A signature loan doesn’t require collateral like a home or a car: all you need is your signature. Whether you’re planning a wedding or covering an unexpected emergency, we can help you out with loans up to $35,000. In addition, our loans offer flexibility that will make your life easier. You can repay your signature loan at any time without penalty, and skip up to two separate payments. Terms are generous—up to 6 years—and payments can be made online at any time. You can even set up automatic transfers to make sure you never forget a payment.
More money: loans for up to $35,0001
More savings: affordable variable rates
More flexibility: terms up to 6 years2; no repayment penalties
This calculator is for informative purposes only and the results ore not application results or quotes. Based on your credit history and repayment ability, you might not qualify for the loan term you selected, the amount provided by the calculator, and your loan might be denied.
*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.
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
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.
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.
You may establish automatic payments from any of your OAS FCU accounts in the follong ways:
Via payroll deduction (for OAS Staff and IICA Staff)
Making or scheduling payments from your Online Banking either from your OAS FCU accounts or from the linked accounts from other financial institutions
Sending a check by mail
Establishing an ACH from another financial institution
We never charge a fee for applying, originating, making prepayments or paying your loan off early.
Your funds will be directly deposited into your OAS FCU Checking account.
Yes, you can. For more information or to submit your application email us at: oasfculoans@oasfcu.org.
Every loan is different in this regard.
Please log into your online or mobile banking to submit your request, so that we can work on your application.
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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