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Personal Loan APR as low as 9.75%
Personal Loans
Life is full of surprises—a wedding, an unexpected bill, or that dream to adopt. Get quick access to funds with flexible loan terms that help you embrace every milestone with confidence and ease.
- Borrow up to $35,000 with flexible 1–6 year terms (1,2)
- Unsecured loans—no collateral required
- Funds are typically available quickly after signing, subject to verification (4)
- Option to skip up to two non-consecutive payments per calendar year (3)
Personal Loan APR as low as 8.44%
Green Loans
Our low-rate2 Green Loan powers your energy-saving and sustainability-related upgrades without the heavy upfront cost.
- Up to $15,000 (1) for energy-saving or sustainability-related projects
- Covers small energy-saving upgrades (eligible U.S. projects only) (6)
- One of our most competitive fixed personal loan rates, with terms up to 42 months (2)
Personal Loan APR as low as 2.60%
Secured Loans
Use your share savings or share certificate as collateral — unlocking better variable loan rates without giving up your savings.1,2
- Lower interest rates by using your savings as collateral (1,2)
- Borrow up to 100% of your deposit without touching it (1,3)
- Continue earning dividends while repaying your loan (4)
- Terms up to 10 years for manageable payments (2,3)
Personal Loan APR as low as 16.75%
International Loans
If you’ve been an OAS FCU member for at least two years and have two years of continuous employment or a verifiable pension income, you may qualify for an unsecured personal loan of up to three times your monthly income.
- Borrow up to three times your monthly income, up to $5,000 (1)
- No SSN or U.S. credit checks required (6)
- Easy 3-year repayment schedule (2)
- Skip up to two non-consecutive payments per calendar year (3)
- No fees to apply or pay off early
- Pay conveniently online from anywhere in the world (7)
Vehicle Loan APR as low as 4.75%
Auto Loans
Take the wheel of your dream vehicle—whether you’re upgrading from a minivan to a sedan, setting sail on your first boat, hitting the road on a motorcycle. We make securing the perfect loan effortless so you can spend less time worrying and more time living.
- Roll related costs into your loan—no surprises.
- No application fees or prepayment penalties—pure transparency.
- Easy online payments from any account or card.
- Protection options like GAP Plus and Life Plus for peace of mind.
- Exclusive discounts for hybrids and electric vehicles—drive green, save green.
Vehicle Loan APR as low as 4.5%
Hybrid/Electric Auto Loans
Choosing a hybrid or electric car means that you care about the future—and so do we, both the planet’s future and yours. We’ve got your back with financing options that go beyond the car—like extra cash to set up your personal charging station.
- APR discount for hybrids and electric vehicles
- Flexible terms (up to 9 years), fixed(1) or variable(2) rates
- Finance up to 125% including charging stations
- No prepayment penalties
- Easy online and automatic payments.