LOANS
• You're going to like our regular, new, loan rates listed below!
Updated May 1, 2013.
• Click here to apply for a loan online.
Always contact OFCCU to compare rates and terms before you finance elsewhere.
New Vehicle Loan Rates Can't Go Any Lower
Details here. 		Looking For A Signature Loan?
Details here.
Check Out Our Low- Rate, No Annual Fee VISA Card
Details here.		 Anytime Is Home Equity Loan Time
Details here.
Our $1,000 Birthday Loan Is Very Popular!
Details here.
First Mortgages through CU Lending
Details here.
Protect Yourself With A Loan Protection Program Details here.
Current Loan Rates as of May 1, 2013
Lending Product Annual Percentage Rate (APR)
New & 1 Year Old Titled Vehicles

As low as:
2.20%* for 60 Months
2.20%* for 72 Months - $25,000 minimum
3.93%* for 84 Months - $35,000 minimum
Used Titled Vehicles -
2 Years or Older

As low as:
2.20%* for 60 Months
2.38%* for 72 Months - $25,000 minimum
Classic / Antique Titled Vehicles

As low as:
2.43%* for 60 Months
2.70%* for 72 Months - $25,000 minimum
4.43%* for 84 Months - $35,000 minimum
Visa Classic

14.90%

Visa Secured

10.00%

Signature

As low as:
9.25%* for 24 Months
9.50%* for 36 Months
9.75%* for 48 Months
Birthday Loan Special
(Must meet Payroll & Account requirements)
18.00% for 12 months
Credit and Savings Builder nnnn8.00% for 12 months per $1,000 borrowed
Life Happens Loan
(Must meet Payroll & Account requirements)		 nnnn16.00% for 24 months
Closed-End Home Equity
(Fixed Rate for the entire loan term)

As low as:
6.25% based on 80% Loan to Value
for up to 15 Years
Open-End Home Equity
(Variable Rate)

As low as:
3.25% based on 80% Loan to Value with a minimum credit line of $5,000 for up to 15 years

Share Secured Loan

Secured by Shares:
3.20% for up to 60 months-
4.20% for up to 120 months
Secured by Certificates:
3.00% above Certificate rate

Property Improvement Secured

5.25% for up to 60 months

* Loan Rate is determined by each member's individual credit quality. On loan types where the Loan Rate Discounts (listed below) apply, the rates mquoted above already include the maximum 0.75% Standard Vehicle and Signature Loan Rate Discounts. Smart loans are limited to one per mmember and do not qualify for any promotional rate discounts. No other discounts apply. Promotional rates based on rates in effect as of m5-1-13 and are subject to change. Call or check website for current rates. APR = Annual Percentage Rate
  Standard Vehicle and Signature Loan Rate Discounts*:
•
 .25% for repaying through ACH/Payroll Deduction
•
 .25% for having a OFCCU Share Draft account with direct deposit of Net Check
•
 .25% for having a OFCCU ATM/Master Money Debit Card
•
 .25% for having a OFCCU Visa
•
 .25% for purchasing a fuel-efficient vehicle (30-MPG)
  (Maximum discount allowed is .75% off qualifying rate)
  * Smart Loans are excluded from Service Usage Discounts.
 

Rates shown are current as of Mayl 1, 2013. These rates may change from time to time. Please call OFCCU for current loan rates.

Are You Having Credit Problems?
Click here to begin exploring ways to improve your credit standing.
Here Is A Way To Improve Your Financial Situation
• Visit this Federal Trade Commission website for suggestions on where to start.

US Patriot Act requires Identity Verification on all new accounts.

Equal Opportunity Lender