Rates & Fees

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

*APR means annual percentage rate. This is a limited time offer. 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.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

** This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

****This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. 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. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers’ relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months. Sample repayment schedule: the monthly payment for a 3-year loan with the current rate would be $35.65 for every $1,000 borrowed.

* This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

** APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.

***Fixed rate limited time offer loans.

* APR means Annual Percentage Rate. OAS FCU’s Home Equity Line of Credit is a variable interest rate loan -indexed based on the Prime Rate, to which a margin is added- and therefore subject to change without notice on any of the following dates: the first day of January, April, July, or October each year. The rate on this loan will never exceed 18% APR. An OAS FCU Home Equity Line of Credit is available for owner-occupied properties only. The rates listed are a range of rates for which you may qualify based on your credit evaluation and repayment ability. Based on the results of that evaluation, you might be approved for a smaller loan than you request; your loan might also be denied. This loan is subject to a credit and repayment evaluation process, and you may not qualify or may qualify for a loan with different terms. OAS FCU will lend a maximum of 80% combined Loan-to-Value (CLTV) based on the appraised value of the property. The minimum Home Equity Line of Credit amount is $20,000 with an initial advance of $5,000. Later advances will be at least $500. The draw period will extend for the first five (5) years after the opening of the line of credit. Property insurance may be required for this loan. Appraisal, tax recording, and other closing costs apply and will be at your expense. Using a Good Faith Estimate, the closing costs for a $100,000 Home Equity Line of Credit (OAS FCU’s average HELOC amount) would be approximately $2,308. Depending on the property’s location, loan amount, and other factors, the combined closing costs will differ.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.

*APY Annual Percentage Yield.

*APY Annual Percentage Yield

**The non-preferential dividend rate will apply to your Reward Checking Account balance if you do not meet the qualification requirements during the qualifying period. Additionally, this rate will apply to any portion of your balance exceeding $6,000, regardless of meeting the qualification requirements.

***The preferential dividend rate applies when you maintain an average daily balance of $6,000 or more during the qualifying period. This rate will apply only to the portion of the balance up to $6,000. Any amount above $6,000 will earn the non-preferential rate. If you meet the qualification requirements but your average daily balance is less than $6,000 during the qualifying period, you will receive a refund of up to 1.5% on your Debit Card PIN-based and Signature-based purchases. This refund will apply to the first $600 of purchases, with a maximum refund of $9 per qualifying period. Rewards will be deposited into a non-dividend bearing account called the "Reward Deposit Account.

Qualification Requirements: To qualify for rewards during the monthly qualification period, you must meet the following criteria:
1. Debit Card Purchases: Complete at least fifteen (15) Point-of-Sale (POS) debit card purchases that post and clear to your account during the qualification period. Note: Automatic recurring payments made with your debit card do not count toward this requirement. Some Point-of-Sale (POS) debit card transactions, particularly those made toward the end of the month, may not post to your account on the same day the transaction occurred. Transactions will be considered based on the date they post and clear to your account. For qualifying purposes, only posted transactions during the qualification period will be counted.
2. E-Statements: You must be enrolled in and actively receiving e-statements.
3. Direct Deposit: Have at least one (1) direct deposit made via ACH that posts and clears to your account during the qualification period.

Qualification Period: The qualification period begins on the first day of each month and ends on the last day of each month.

Average Daily Balance: Dividends are calculated using the average daily balance method. This method applies a periodic rate to the average balance in your account for the given period. The average daily balance is calculated by adding the balance in your account at the end of each day during the period and dividing that total by the number of days in the period.

** APY Annual Percentage Yield.

** APY Annual Percentage Yield.

*APY Annual Percentage Yield.

** APY Annual Percentage Yield.

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

(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 40 free.
(4) One re-order of 80 free per year if active direct deposit for past 6 months.
(5) Mailing costs may apply.
(*) This applies to cash advances, in-person transactions and purchases from online merchants located outside the United States.