Routing #: 281581144 • Wire Instructions
Routing #: 281581144 • Wire Instructions
Please open the PDF copy for easy access to print the current rates, or speak to a Member Service Representative for a printed copy.
0.250% Dividend Rate (DR)
0.250% Annual Percentage Yield (APY)
$50 minimum balance required to earn dividend
0.100% Dividend Rate (DR)
0.100% Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
0.100% Dividend Rate (DR)
0.100% Annual Percentage Yield (APY)
$200 Minimum balance required to earn dividend
0.250% Dividend Rate (DR)
0.250% Annual Percentage Yield (APY)
$2,500 Minimum balance required to earn monthly dividend
IRA Shares:
0.350% Dividend Rate (DR)
0.350% Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
0.350% Dividend Rate (DR)
0.350% Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
Rates as of: 12/10/2024
Disclosures:
APY= Annual Percentage Yield.
Dividend rates are declared by the Board and paid quarterly and are subject to change without notice.
Last declared and paid in December 2024.
Fees may reduce potential earnings. Rates are subject to change without notice. Membership eligibility requirements apply. Federally insured by NCUA.
All Certificates: A penalty for early withdrawal may be imposed.
Speak with a Member Service Representative for more information on our products, services, terms and fees.
2.428% Dividend Rate (DR)
2.450% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.941% Dividend Rate (DR)
4.000% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.941% Dividend Rate (DR)
4.000% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.455% Dividend Rate (DR)
3.500% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.211% Dividend Rate (DR)
3.250% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.113% Dividend Rate (DR)
3.150% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.113% Dividend Rate (DR)
3.150% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
Dividend Rate (DR) varies with term
Annual Percentage Yield (APY) reg. rate +0.10
$50,000 Minimum balance required to earn dividend
Dividend Rate (DR) varies with term
Annual Percentage Yield (APY) reg. rate +0.15
$100,000 Minimum balance required to earn dividend
$500 Minimum balance required to earn dividend
$500 Minimum balance required to earn dividend
Rates as of 12/10/2024
Disclosures:
APY= Annual Percentage Yield.
Certificate rates are subject to change without notice. Please verify current rates with a Member Service Representative.
Fees may reduce potential earnings. Rates are subject to change without notice. Membership eligibility requirements apply. Federally insured by NCUA.
All Certificates: A penalty for early withdrawal may be imposed.
Dividend rates are declared by the Board and paid quarterly and are subject to change without notice. Last declared and paid in December 2024.
12.651% APR / 12.147% APR Loyalty Rate
3.00% above the dividend rate currently earned on Shared Certificate account
(Example: If the share account is earning 4.00% the loan would be at 7.00%)
Rates as of: 1/24/25
Disclosures:
RATES AND TERMS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, term, and loan amount. Rates, terms, and conditions subject to change at any time.
Loyalty/PFI Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).
Annual Percentage Rate (APR)
Maximum Term is 60 months (closed end)
12.651% APR /12.147% APR Loyalty Rate
Rates as of: 1/24/25
Disclosures:
RATES AND TERMS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, term, and loan amount. Rates, terms and conditions are subject to change at any time.
Loyalty/PFI Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).
Annual Percentage Rate (APR)
There are unsecure loan limits that are based on the member's credit score and the member's monthly gross income.
Maximum Term is 60 months (closed end)
The minimum initial loan is $500. Subsequent minimum advances $200.
36 Months: 6.064% APR / 5.564% APR Loyalty Rate
48 Months: 6.300% APR / 5.801% APR Loyalty Rate
60 Months: 6.542% APR / 6.042% APR Loyalty Rate
72 Months: 6.786% APR / 6.286% APR Loyalty Rate
84 Months: 7.282% APR / 6.782% APR Loyalty Rate
Rates as of: 1/24/25
Disclosures:
Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates, terms and conditions are subject to change.
Loyalty/PFI Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).
Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval. Rates, terms, and conditions are subject to change at any time.
A loan of $75,000 for 72 months at 6.786% APR will have a monthly payment of $1270.98
A loan of $75,000 for 72 months at 6.286% APR Loyalty Rate will have a monthly payment of $1253.12
36 Months: 6.513% APR / 6.013% APR Loyalty Rate
48 Months: 6.703% APR / 6.202% APR Loyalty Rate
60 Months: 6.916% APR / 6.415% APR Loyalty Rate
72 Months: 7.141% APR / 6.641% APR Loyalty Rate
84 Months: 7.624% APR / 7.123% APR Loyalty Rate
Rates as of: 1/24/25
Disclosures:
Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates, terms and conditions are subject to change.
Loyalty Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must-have savings, checking, direct credit or debit and one loan with OFCU).
For all used vehicles below $10,000 add 1.00% to the rate
Add 2.00% for used RV loans - Commercial Vehicles, boats, RVs, ATVs, etc. Maxium rate of 18.00%. For every 12 months added to the term on RV loans add .25% to the interest rate.
Add 0.25% to any loan secured by a prior salvage title.
Current model year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval. Rates, terms, and conditions are subject to change at any time.
A loan of $20,000 for 72 months at 7.141% APR will have a monthly payment of $342.34
A loan of $20,000 for 72 months at 6.641% APR Loyalty Rate will have a monthly payment of $337.54
View today's Mortgage Rates Here
Interest Rates as low as:
675+ Credit Score:
Prime = 7.5% APR
(Prime Rate last change 12/18/24) Prime = 7.50%
Rates as of: 12/18/2024
Disclosures:
Annual Percentage Rate (APR)
RATES AND TERMS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Interest rates are determined by individual credit history. Rates, terms, and conditions are subject to change at any time.
The information provided on this page is for comparative purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, terms and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc.
