Rates & Fees - OAS FCU

Share Savings

APY*	Share Value
0.15%	$5

*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.

Reward Checking

APY*	Balance
0.03%-2.12%**	See below

*APY Annual Percentage Yield

** 2.12% APY applies to balances of $0 - $6,000 and 0.03% APY applies to balances over $6,000 if qualifications are met during the monthly qualification cycle, as well as to all balances if monthly qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions

Overdraft Protection

APR*	Credit Limit
13.99%	Up to $7,000

APR means annual percentage rate. Rates are current as of November 1, 2018. These OAS FCU loan rates are variable and subject to change without notice. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller line of credit than you requested; your application might also be denied.

Regular Share Certificates

Term	APY*	Minimum amount
3 months	0.20%	$2,500
6 months	0.35%	$2,500
12 months	0.50%	$2,500
12 months jumbo	0.55%	$100,000
15 months	0.60%	$2,500
15 months jumbo	0.65%	$100,000
18 months	0.50%	$2,500
18 months jumbo	0.55%	$100,000
24 months	0.50%	$2,500
24 months jumbo	0.55%	$100,000
30 months	1.00%	$2,500
30 months jumbo	1.05%	$100,000
36 months	0.60%	$2,500
36 months jumbo	0.65%	$100,000
48 months	0.70%	$2,500
48 months jumbo	0.75%	$100,000
60 months	1.00%	$2,500
60 months jumbo	1.05%	$100,000

*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.

Step-Up Share Certificates

Term	APY*	Minimum Amount	Rate Increase
12 months	0.25%	$2,500	One time
12 months jumbo	0.30%	$100,000	One time
18 months	0.25%	$2,500	One time
18 months jumbo	0.30%	$100,000	One time
24 months	0.25%	$2,500	One time
24 months jumbo	0.30%	$100,000	One time
36 months	0.35%	$2,500	One time
36 months jumbo	0.40%	$100,000	One time
48 months	0.45%	$2,500	Twice
48 months jumbo	0.50%	$100,000	Twice
60 months	0.50%	$2,500	Twice
60 months jumbo	0.55%	$100,000	Twice

*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.

Jr. Share Certificates

Term	APY*	Amount	Monthly Deposit Required
18 months	0.25%	$500	Over $50 and up to $1,000
24 months	0.25%	$500	Over $50 and up to $1,000
36 months	0.35%	$500	Over $50 and up to $1,000

*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.

Savings Club

Term	APY*	Requirements
12 months	0.40%	Monthly Deposits

*APY Annual Percentage Yield. The APY listed is valid as of July 1, 2018.

Retirement Accounts (IRA)

Type	APY*
Traditional IRA	0.40%
IRA Share Certificate (36 Month)	0.60%

*APY Annual Percentage Yield. The APY listed is valid as of October 1, 2018.

New Vehicles

APR*	Term	Loan Amount
4.00% - 13.50%	Up to 5 years	Any, when approved
4.00% - 14.50%	Between 6 and 7 years	Any, when approved
5.25% - 6.50%	Between 8 and 9 years	Over $50,000

*APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.

Available for the purchase of new and used vehicles up to 10-years old.

Auto Loan Specials

APR*	Term	Type of vehicle
2.49% - 9.49%	Up to 5 years	New & Used (3Yrs Old)
3.49% - 10.49%	Up to 6 years	New & Used (3Yrs Old)
2.24% - 9.24%	Up to 5 years	New & Used (3Yrs Old) Hybrid cars only
3.24% - 10.24%	Up to 6 years	New hybrid cars only

*APR means annual percentage rate. This is a limited time offer. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.

This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3-years old.

Used Vehicles

APR*	Term	Loan Amount
4.00% - 14.00%	Up to 5 years	Any, if approved
4.25% - 15.00%	Between 6 and 7 years	Over $35,000

Available for the purchase of new and used vehicles up to 10-years old.

Boats, Motorcycle and RVs

Type	APR*	Term	Loan Amount
New	5.50% - 15.50%	Up to 5 years	Any, when approved
Used	6.00% - 16.00%	Up to 5 years	Any, when approved

* APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.

Personal Loans

Type of Loan	APR*	Term	Loan amount
Signature	8.50% - 18.00%	Up to 6 years	Up to $35,000
Deposit Secured (Shares and Share Certificates)	2.5% above the rate paid on deposit pledge	Up to 10 years	Available balance on deposit pledge
Post-Secondary Education Loan	6.50% - 8.50%	Up to 4 years	Up to $15,000

* APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. If the rate goes up, it might affect the amount of your monthly payment. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range. You might be approved for a smaller loan than you requested; your loan might also be denied

Home Equity Line of Credit

Interest Rate*	Term
4.75% - 9.75%	Up to 15 years

* This is a variable rate and subject to change any time; an increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, you might be approved for a smaller loan than you requested, and/or certain other conditions may apply; your loan might also be denied. The maximum annual percentage rate of a Home Equity Line of credit is 18%.

HELOC Introductory Rate Special

Interest Rate*	Term	Interest Rate* After First Year
3.00%	The first 12 months	As listed above

Limited time offer for the listed discounted fixed rate.

OAS, IICA & Other SEGs

Type	APR*	Terms	Loan Amount
OAS Retirement & Pension Plan	7.50%	Up to 15 years	Up to $65,000
IICA Recognition of Years of Service	9.50%	Up to 15 years	Up to 100% of accrued benefit
OAS Benefits	9.50%	Uo to 10 years	Up to $10,000

* APR means annual percentage rate. Rates are current as of November 1, 2018. These OAS FCU loan rates are variable and subject to change without notice; an increase in rate might affect your payment amount. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

Fees

Online & Mobile Fees

Online banking	No charge
Mobile banking	No charge
Online bill pay	No charge
eStatements	No charge
P2P	No charge for the first 7 payments, $1 each thereafter
To an external account	No charge
CardNav	No charge

Credit Card Fees

Credit card re-issue	No charge (5)
Dormant credit card PIN reactivation	$15
Credit card/PIN replacement	$15
Credit card temporary limit increase	$15
International Credit card transaction	1.5% total amount debited (ATM or purchases)
card application	No charge
Credit card balance transfer	No charge
Credit card cash advance	No charge
Credit card late payment	$25
Credit card expedited payment	$15
Credit card management (eZcardInfo.com)	No charge

Share & Checking Account Fees

Transfer from secondary account to cover overdraft	$5 each transfer
Overdraft caused by share draft/ACH (1)	$25 each
Extended overdraft	$5 per day after first 5 business days
Returned check/ACH due to non suficient funds (1)	$25 each
Cashier check	$5 each - No charge if member has 3+ services
Cashier check copy	$2.50
Copy of cashed check	$ 5 – No charge online
Stop payment - Check/ACH	$10 each – $20 range
Checks sent for collections	Cost charged by paying bank(s)
Dormant account (2)	$5 per month
Remote check deposit return due to missing/incomplete information	$5
Returned outside/third party deposited check	$10
Check-book cost	$12.27 for 50 checks - $19.49 for 120 checks (3)
Check-book reorder	$19.49 for 120 checks (4)
Debit card re-issue	No charge (5)
Dormant debit card PIN reactivation	$15
Debit card/PIN replacement	$15
International debit card transaction	1.5% total amount debited (ATM or purchases)
Statement copy/ transaction history	$1 each statement page - No charge for members
Account research	$25 per hour
Balance verification/letters of reference	$5 - No charge if member has three services or more
Account verification requested by creditors	$15 each

(1)ACH (Automated Clearing House), and NSF (Non-sufficient Funds).
(2)After 12 months of account inactivity if balances less than $500.
(3) First order of 50 free.
(4) One re-order of 120 free per year if active direct deposit for past 6 months.
(5) Mailing costs may apply.

Money Transfer Fees

	Within accounts or to a credit union member	No charge if requested using the Online Banking -
Transfers via ACH
	To a person within the U.S.	$5 if requested using the Online Banking - $10 if requested by DocuSign, email or fax
	To a business within the U.S.	$10 if requested using the Online Banking - $15 if requested by DocuSign, email or fax
	Recurrent within the U.S	$5 first month, $2 per month thereafter if requested using the Online Banking
	Recurrent within the U.S	$10 first month, $2 per month thereafter if requested by DocuSign, email or fax
	To a person outside the U.S.	$10 if requested using the Online Banking - $15 if requested by DocuSign, email or fax
	To a business outside the U.S.	$15 if requested using the Online Banking - $20 if requested by DocuSign, email or fax
	International ACH trace	$25 per item
	Research of an ACH transaction	$25
	Recurrent monthly debit origination for deposits	$5 to set up recurrent plus $2 per month
	Same day ACH	$7
Wire Transfers
	To a person or business within the U.S. via Wire	$15 if requested using the Online Banking - $25 if requested by DocuSign, email or fax
	To a person or business outside the U.S.	$35 if requested using the Online Banking - $45 if requested by DocuSign, email or fax
	Incoming wire	No charge
	Wire confirmation	$5
	Wire recall /Wires with errors	$15 each + cost charged by other bank
	Research for Wire transaction	$25 each

Loan Fees

Processing vehicle titles	$50 + DMV cost
Skip-a-Payment	$5 each loan
Single debit origination to pay for a loan	No charge
Recurrent monthly debit origination to pay for loan	No charge