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Rates & Fees

  • Rates

    Share Savings

    APY*Share Value
    0.05% $5

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    Reward Checking

    APY*Balance
    0.03%-2.03%**See below

    *APY Annual Percentage Yield

    ** 2.03% 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

    TermAPY*Minimum amount
    6 months 0.10% $2,500
    12 months 0.35% $2,500
    12 months jumbo 0.40% $100,000
    18 months 0.40% $2,500
    18 months jumbo0.45% $100,000
    24 months 0.50% $2,500
    24 months jumbo0.55% $100,000
    30 months 0.75% $2,500
    30 months jumbo0.80% $100,000
    36 months 0.60% $2,500
    36 months jumbo0.65% $100,000
    48 months 0.70% $2,500
    48 months jumbo0.75% $100,000
    60 months 0.80% $2,500
    60 months jumbo0.85% $100,000

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    Step-Up Share Certificates

    TermAPY*Minimum AmountRate Increase
    12 months 0.10% $2,500 One time
    12 months jumbo0.15% $100,000 One time
    18 months 0.15% $2,500 One time
    18 months jumbo 0.20% $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 jumbo0.40% $100,000 One time
    48 months 0.45% $2,500 Twice
    48 months jumbo0.50% $100,000 Twice
    60 months 0.30% $2,500 Twice
    60 months jumbo0.35% $100,000 Twice

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    Jr. Share Certificates

    TermAPY*AmountMonthly Deposit Required
    12 months0.15%$500Over $50 and up to $1,000
    24 months 0.30% $500 Over $50 and up to $1,000
    36 months 0.40% $500 Over $50 and up to $1,000
    48 months 0.50% $500 Over $50 and up to $1,000

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    Savings Club (does not include Reward Club accounts)

    TermAPY*Requirements
    12 months 0.30% Monthly Deposits

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    Retirement Accounts (IRA)

    TypeAPY*
    Traditional IRA 0.15%
    IRA Share Certificate (36 Month) 0.60%

    *APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.

    New Vehicles

    APR*TermLoan Amount
    4.00% - 11.25% Up to 5 yearsAny, when approved
    4.00% - 12.25%Between 6 and 7 yearsAny, when approved
    4.00% - 4.25%Between 8 and 9 yearsOver $50,000

    *APR means annual percentage rate. Rates are current as of March 31, 2021. 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* TermType of vehicle
    1.74%Up to 4 yearsNew & Used (3Yrs Old)
    2.49%Up to 6 yearsNew & Used (3Yrs Old)
    1.49%Up to 4 yearsNew & Used (3Yrs Old) Hybrid/Electric cars only
    2.24%Up to 6 yearsNew & Used (3Yrs Old) Hybrid/Electric 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*TermLoan Amount
    4.00% - 11.75% Up to 5 yearsAny, if approved
    4.00% - 12.75%Between 6 and 7 years Over $35,000

    *APR means annual percentage rate. Rates are current as of March 31, 2021. This is a variable rate and subject to change at 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.

    Boats, Motorcycle and RVs

    TypeAPR*TermLoan Amount
    New4.00% - 13.25%Up to 5 yearsAny, when approved
    Used4.00% - 13.75%Up to 5 yearsAny, when approved

    * APR means annual percentage rate. Rates are current as of March 31, 2021. This is a variable rate and subject to change at 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 LoanAPR*TermLoan amount
    Green Loan4.22%**Up to 42 monthsUp to $15,000
    Signature6.25% - 16.25%Up to 6 yearsUp to $35,000
    Deposit Secured (Shares and Share Certificates)2.5% above the rate paid on deposit pledgeUp to 10 yearsAvailable balance on deposit pledge
    Post-Secondary Education Loan 4.25% - 6.25% Up to 4 years Up to $15,000

    * APR means annual percentage rate. Rates are current as of March 4, 2020. This is a variable rate and subject to change at 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

    ** 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.

    Personal Special: Relief

    APR*TermLoan Amount
    5.25%Up to 3 YearsUp to $15,000
    5.50%Up to 4 yearsUp to $15,000
    5.75%Up to 5 yearsUp to $15,000

    * APR means Annual Percentage Rate. The listed rate is fixed will not change during the life of your loan. Depending on your credit history and repayment ability, you might not qualify for this loan. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.

    Fixed rate limited time offer loans.

    Mortgage

    TypeTermRate
    Fixed30, 20, 15 and 10 years Today's Rate
    Balloon15, 10 and 7 yearsToday's Rate
    ARM15/15, 10/1, 7/1 and 5/1 yearToday's Rate
    FHA Fixed30 and 15 yearsToday's Rate
    VA Fixed30 and 15 yearsToday's Rate

    Home Equity Line of Credit

    Interest Rate*Term
    4.00% - 7.25%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*TermInterest Rate* After First Year
    2.50%The first 24 monthsAs listed above (4.00% - 7.25%)

    * APR: Annual Percentage Rate. The rate is non-variable for the first 24 months of the loan. After that, the interest rate will be variable and therefore subject to change without notice on any of the following dates: the last day of March, June or September or December. The rate after the 24-month introductory fixed rate period ends is currently set starting a 4.00% APR as of March 31, 2021. The rate on this loan will never exceed 18% APR. An OAS FCU’s Home Equity Line of Credit is available for owner-occupied properties only. It 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 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. Subsequent advances will be of a minimum of $500. The draw period will extend for the first five (5) years after the opening of the line of credit. Appraisal, tax recording and other closing costs apply and will be at your expense. Please consult a tax advisor on the tax deductibility of interest.

    Limited time offer for the listed discounted fixed rate.

    OAS, IICA & Other SEGs

    Type APR*TermsLoan Amount
    OAS Retirement & Pension Plan 5.25%Up to 15 yearsUp to $65,000
    IICA Recognition of Years of Service 7.25% Up to 15 years Up to 100% of accrued benefit
    OAS Benefits7.25% Uo to 10 years Up to $10,000

    * APR means annual percentage rate. Rates are current as of March 31, 2021. 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.

    Credit Cards

    Type APR* Credit Limit
    VISA Platinum 10.99% - 15.99%Up to $30,000
    VISA Classic 8.99% - 17.99%Up to $10,000
    Balance Transfer(1)2.25% Up to available credit

    * APR means annual percentage rate. Rates are current as of March 31, 2021. 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.

    (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.

  • Fees

    Online & Mobile Fees

    Online banking No charge
    Mobile banking No charge
    Online bill payNo charge
    eStatements No charge
    P2PNo charge for the first 7 payments, $1 each thereafter
    To an external accountNo charge
    CardNavNo 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% of the total transaction amount (ATM or purchases*)
    card applicationNo charge
    Credit card balance transferNo charge
    Credit card cash advanceNo 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
    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 40 checks - $19.49 for 80 checks (3)
    Check-book reorder$19.49 for 80 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 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.

    Money Transfer Fees

    Within accounts or to a credit union memberNo 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 or email
    To a business within the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
    To a person outside the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
    To a business outside the U.S.$15 if requested using the Online Banking - $20 if requested by DocuSign or email
    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 wireNo 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 loanNo charge
    Recurrent monthly debit origination to pay for loanNo charge