Signature Loans
Click here to apply for a Signature Loan online.
Signature Loans otherwise known as unsecured loans.  Below are the basic terms:
• No security required
• Borrow a multiple of your gross monthly income, up to a maximum of $10,000.00
• Terms available up to 48-months
Apply For A Low Rate Signature Loan
Borrow the funds you need & also qualify for a monthly Promotional Drawing.
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 24 months for as low as 9.25% APR*
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 36 months for as low as 9.50% APR*
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 48 months for as low as 9.75% APR*
  * Subject to credit approval and based on each member's individual credit quality. Rates reflect .75% Service Usage Discounts described below. No other discounts apply. Rates in effect as of 1-1-12 and are subject to change. Call or check website for current rates. APR = Annual Percentage Rate
Once Again In 2012, Celebrate Your Birthday With A $1,000 Loan* with no credit check.
Apply anytime during your birthday month for a $1,000 Personal Loan at 18.00% APR for 12 Months.
To qualify, you must meet all of these requirements:
• A deduction with the same employer must be in place for at least 6 months.
• You must be current on all OFCCU loans and VISA Card, with no negative Share or Share Draft Accounts.
• Application can only be made during your birthday month.
The approximate monthly payment for $1,000 at 18.00% APR for 12 months is $93
and bi-weekly is $44 including Credit Life & Disability Protection.
* One Birthday Loan per Member Account. For members in good standing. No refinancing. Loans will be processed in the order they are received. No discounts apply. Loan does not qualify for Signature Loan Drawings. APR = Annual Percentage Rate
Monthly Signature Loan Drawing for a $50 VISA Gift Card
All members borrowing at least $1,000 will be entered in a monthly drawing for a $50 VISA Gift Card.
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.

Michele, Santa & the VISA Gift Card
County Employee Wins $50 Visa Gift Card Drawing

When Michele started working for the County, her fellow employees told her to join the credit union; and she has now been a member for 5 years.
"I signed up for Direct Deposit and I love it. It's so convenient. My husband and I use all the services - checking, ATM/Debit Card, savings, Christmas Club. The Christmas Club gives me the discipline I need."
Asked about the loan process, Michele said, "We've had 3 loans in 5 years. I love Santa. She is a wealth of knowledge, very helpful, and has told us what we need to do to qualify for a loan. She's very professional. Borrowing at the credit union is quick. There's no runaround. You come in and apply and usually know if you've been approved the same day. There's a different feel to borrowing at the credit union that you don't get at a bank."
Michele is a Customer Service Aide at the Virgil Brown building.
Thanks for using our services; and congratulations, Michele, on winning the Monthly $50 Gift Card Drawing for Personal Loans.

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