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Loan Rates
Rates accurate as of today
*All rates subject to change at any time
Credit Cards
| Auto Loans |
RV/Boat | Consumer
Loans |
Home Equity
We
offer loan rate discounts to members that utilize accounts such
as checking, CDs, IRAs, money market and home equity loans. More
discounts are available if you use Direct Deposit and our Free Bill
Pay service. The maximum discount is 1.00% off (1.25% off max with an Advantage 55 account) our
already low rates.
Printable
Version |
| Credit
Cards |
|
Card Type |
Grace
Period for Purchases |
Fees |
APR |
| Visa
Credit Card |
25
days |
No
Annual Fee |
9.90%
APR |
| Auto
Loans and RV/Boat Loans |
|
Loan Type |
APR |
| New
and Used Auto |
6.25%-11.15%
APR |
| Depending
on Beacon Score, loan to value and length of contract. Higher loan
to values and longer terms increase rate. |
New
and Used Auto w/ Relationship
Discount |
5.25%-10.15% APR |
| With
1.00% Relationship Discount. Ask a Member
Services Officer to calulate your discount. |
New
and Used RV/Boat |
6.25%-11.15%
APR |
| Depending
on Beacon Score, loan to value and length of contract. Higher loan
to values and longer terms increase rate. |
|
5.25%-10.15%
APR |
| With
1.00% Relationship Discount. Ask a Member
Services Officer to calulate your discount. |
Rate
determined by certain credit criteria, collateral and term of loan. Vehicles
with 75,000 miles or more have a 1.00% higher rate. Minimum amounts apply
to qualify for longer terms. Maximum APR is 13.15%.
| Other
Consumer Loans |
|
Loan Type |
Term |
APR |
APR
w/ Relationship Discount |
| Unsecured |
Up
to 36 mos. |
11.25%-13.99%
APR |
10.25%-12.99%
APR |
Unsecured
Line of Credit |
36
mos. base |
11.25%-13.99%
APR |
10.25%-12.99%
APR |
New
Consumer Goods |
Up
to 36 mos. |
7.90%-12.90%
APR |
6.90%-10.90%
APR |
Shared
Secured |
Up
to 60 mos |
Share
Rate + 2.50% APR |
N/A |
Shared
Certificate Secured |
Cert.
Term |
Certificate
Rate + 2.00% APR |
N/A |
New consumer goods include furniture,
appliances, audio and video equipment, personal watercraft, garden tractors,
snowmobiles, 4-wheelers. Must be new merchandise unless titled. A UCC
financing statement is filed at borrower cost.
| Home
Equity Loans and Lines of Credit |
|
Loan Type |
Term |
APR |
APR
w/ Relationship Discount |
| No-Fee
Home Equity Loan |
Up
to 120 mos. |
6.90%-
10.15% APR |
N/A |
Home
Equity Line of Credit |
|
4.75%
APR* |
N/A |
HomeEquity/Improvement |
Up
to 120 mos. |
Talk to MSO |
N/A |
Overdraft LOC |
|
13.90%-16.00%
APR* |
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1 Rate of 4.75% is good until 12/31/08. Rate will then be variable monthly based on Prime. CAP is 10.00%. Minimum draw of $2500.00 required to qualify for introductory rate. Offer not available on existing OFCU home equity line of credit loans. Non-introductory rate effective 12/31/08 is Prime +.50%, currently 5.75% APR as published in the Wall Street Journal (Western Edition) on the last business day of each month. $25.00 annual fee. Closing costs vary. Consult your tax advisor for your deductibility status.
2 Annual fee of $12.00 first charged upon opening.Transfer/advance fee from loan of $2.00. For OD only, may not take advances other than ODs.Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.
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