IICA Recognition of Years of Service

Rates

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.

Personal Loans

Type of Loan	APR*	Term	Loan amount
Signature	8.25% - 18.00%	Up to 6 years	Up to $35,000
Deposit Secured (Shares and Share Certificates)	2.5% above the rate paid on deposit pledge	Up to 10 years	Available balance on deposit pledge
Post-Secondary Education Loan	6.25% - 8.25%	Up to 4 years	Up to $15,000

* APR means annual percentage rate. Rates are current as of November 1, 2018. This is a variable rate and subject to change any time. If the rate goes up, it might affect the amount of your monthly payment. 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; your loan might also be denied

Signature Special: Lifestyle

APR*	Term	Loan Amount
5.25% - 12.25%	Up to 3 Years	Up to $15,000
5.50% - 12.50%	Up to 4 years	Up to $15,000
5.75% - 12.75%	Up to 5 years	Up to $15,000

*APR means annual percentage rate. 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.

Fixed rate limited time offer loans.

Credit Cards

Type	APR*	Credit Limit
VISA Platinum	10.99% - 15.99%	Up to $30,000
VISA Classic	8.99% - 17.99%	Up to $10,000
Balance Transfer(1)	2.25%	Up to available credit

* 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.

(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.

FAQs

Yes, this loan qualifies for our Skip-a-Payment program. With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it's most convenient for you. To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.
If you are not already an OAS FCU member, you will need to open an account with us. Then you will need to request an employee certification, prepared by the Human Resources Department, indicating your salary and the amount accumulated at the time of your request. In addition, you will need to complete a collateral irrevocable guarantee form and the loan application. The loan department will then work on your application and will let you know once approved.
If you have paid the entire debt before the termination of your employment, you will receive your Funds for Recognition of Years of Service 100%. If you have a pending amount in your line of credit, the amount will be paid off with the liquidation of the Fund and the closing of the line of credit. This is an agreement between IICA and OAS FCU.
This line of Credit will save you money since it has a very loan interest rate in comparison to applying for a loan that you cannot guarantee. Additionally, this line of credit can be use at your own pace. You can use it when needed, there is no maintenance fee, and you can pay off the debt before the end of the term with no penalty.
OAS FCU members who are IICA local employees may qualify for up to 90% of their accrued benefits. Members who are international staff of IICA may qualify of up to 100% of their benefits. Inquire at your Human Resources Department or our Lending Department to find out more.
Yes, this loan is a line of credit.

Fees

Loan Fees

Processing vehicle titles	$50 + DMV cost
Skip-a-Payment	$5 each loan
Single debit origination to pay for a loan	No charge
Recurrent monthly debit origination to pay for loan	No charge

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IICA Recognition of Years of Service

A special loan exclusively for IICA members

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