Share Savings
APY* | Share Value |
---|---|
0.15% | $5 |
*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.
Reward Checking
APY* | Balance |
---|---|
0.03%-2.12%** | See below |
*APY Annual Percentage Yield
** 2.12% 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
Term | APY* | Minimum amount |
---|---|---|
3 months | 0.20% | $2,500 |
6 months | 0.35% | $2,500 |
12 months | 0.50% | $2,500 |
12 months jumbo | 0.55% | $100,000 |
15 months | 0.60% | $2,500 |
15 months jumbo | 0.65% | $100,000 |
18 months | 0.50% | $2,500 |
18 months jumbo | 0.55% | $100,000 |
24 months | 0.50% | $2,500 |
24 months jumbo | 0.55% | $100,000 |
30 months | 1.00% | $2,500 |
30 months jumbo | 1.05% | $100,000 |
36 months | 0.60% | $2,500 |
36 months jumbo | 0.65% | $100,000 |
48 months | 0.70% | $2,500 |
48 months jumbo | 0.75% | $100,000 |
60 months | 1.00% | $2,500 |
60 months jumbo | 1.05% | $100,000 |
*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.
Step-Up Share Certificates
Term | APY* | Minimum Amount | Rate Increase |
---|---|---|---|
12 months | 0.25% | $2,500 | One time |
12 months jumbo | 0.30% | $100,000 | One time |
18 months | 0.25% | $2,500 | One time |
18 months jumbo | 0.30% | $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 jumbo | 0.40% | $100,000 | One time |
48 months | 0.45% | $2,500 | Twice |
48 months jumbo | 0.50% | $100,000 | Twice |
60 months | 0.50% | $2,500 | Twice |
60 months jumbo | 0.55% | $100,000 | Twice |
*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.
Jr. Share Certificates
Term | APY* | Amount | Monthly Deposit Required |
---|---|---|---|
18 months | 0.25% | $500 | Over $50 and up to $1,000 |
24 months | 0.25% | $500 | Over $50 and up to $1,000 |
36 months | 0.35% | $500 | Over $50 and up to $1,000 |
*APY Annual Percentage Yield. The APY listed is valid as of November 1, 2018.
Savings Club
Term | APY* | Requirements |
---|---|---|
12 months | 0.40% | Monthly Deposits |
*APY Annual Percentage Yield. The APY listed is valid as of July 1, 2018.
Retirement Accounts (IRA)
Type | APY* |
---|---|
Traditional IRA | 0.40% |
IRA Share Certificate (36 Month) | 0.60% |
*APY Annual Percentage Yield. The APY listed is valid as of October 1, 2018.
New Vehicles
APR* | Term | Loan Amount |
---|---|---|
4.00% - 13.25% | Up to 5 years | Any, when approved |
4.00% - 14.25% | Between 6 and 7 years | Any, when approved |
5.25% - 6.25% | Between 8 and 9 years | Over $50,000 |
*APR means annual percentage rate. Rates are current as of November 1, 2018. 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* | Term |
---|---|
2.49% - 9.49% | Up to 5 years |
3.49% - 10.49% | Up to 6 years |
*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* | Term | Loan Amount |
---|---|---|
4.00% - 13.75% | Up to 5 years | Any, if approved |
4.25% - 14.75% | Between 6 and 7 years | Over $35,000 |
*APR means annual percentage rate. Rates are current as of November 1, 2018. 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.
Boats, Motorcycle and RVs
Type | APR* | Term | Loan Amount |
---|---|---|---|
New | 5.25% - 15.25% | Up to 5 yeard | Any, when approved |
Used | 5.75% - 15.75% | Up to 5 years | Any, when approved |
* APR means annual percentage rate. Rates are current as of November 1, 2018. 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.
Home Equity Line of Credit
Interest Rate* | Term |
---|---|
4.75% - 9.75% | 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* | Term | Interest Rate* After First Year |
---|---|---|
3.00% | The first 12 months | As listed above |
Limited time offer for the listed discounted fixed rate.
OAS, IICA & Other SEGs
Type | APR* | Terms | Loan Amount |
---|---|---|---|
OAS Retirement & Pension Plan | 7.25% | Up to 15 years | Up to $65,000 |
IICA Recognition of Years of Service | 9.25% | Up to 15 years | Up to 100% of accrued benefit |
OAS Benefits | 9.25% | Uo to 10 years | Up to $10,000 |
* 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; 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.