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Loans & Credit Cards

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Auto Loan

Whether you’re looking to buy a new or used vehicle or refinance your current auto loan, we’ve got you covered. Find the right vehicle and a monthly payment to fit your budget with OE Federal and AutoSMART.

  • Terms from 36-84 months
  • New or used vehicles
  • Purchase from dealer or private party
  • Pre-approvals available
  • No prepayment penalties

Signature Loans

Don’t let the cost of life get you down! A Signature Loan from OE Federal can cover just about any surprise such as vehicle repairs, emergency home repairs, or pet hospital visits. It’s also great for vacations, home improvement projects, or debt consolidation.

  • Loans from $500 to $20,000
  • Fixed payments
  • Repayment plans up to 60 months
  • No early payoff penalties
  • Use your signature as collateral
  • Great for all life expenses

Mortgage Loans

If this is your first home or you’re ready to move on to the next one, our Real Estate Team will make your home financing process as rewarding as getting the keys to your dream home. You’ll have us to guide you from start to finish and with the help of our HomeAdvantage program, your can earn cash rewards and find the right agent too!

  • Fixed and adjustable rate mortgages (ARM)
  • Refinance your existing mortgage
  • No early payoff penalties
  • Earn cash rewards and find the right agent with HomeAdvantage

Fixed Rate Home Equity Loan

A Fixed Rate Home Equity Loan is a great way to use your home's equity to fund life's expenses. Whether your goal is to consolidate debt, make a large purchase, home renovations, or just have a safety net, using your home’s equity is an affordable way to fund any project.

  • Fixed Rate
  • 5-year, 10-year, 15-year, and 20-year terms
  • Borrow up to $250,000
  • Perfect for home projects and more!

Visa® STEEL Credit Card

A credit card is an excellent product to have in your back pocket. Whether you’re looking to build your credit or make flexible payments on a large purchase, our Visa STEEL Credit Card options can help you achieve your goals while giving you added union benefits.

  • 0% APR* for First 6 Months
  • No Annual Fees
  • No Cash Advance or Balance Transfer Fees
  • Limits Ranging from $500 to $20,000

Visa STEEL Rewards Credit Card

Get rewarded with every purchase you make! Our Visa STEEL Rewards Credit Card comes with many of the same benefits as our Visa STEEL while rewarding you for every dollar spent. Redeem your reward points for travel, entertainment, merchandise, cash back and more on our new platform: OE Federal Rewards Program

  • Earn 10,000 Bonus Points*
  • $1 Spent = 1 Reward Point
  • No Annual Fee
  • No Balance Transfer Fees
  • No Cash Advance Fees

Visa STEEL Secured Credit Cards

A secured credit card is a great way to build or rebuild credit. You set your credit limit by putting down a cash deposit that way you’re in control of your spending. Our Visa STEEL Secured Credit Card options can help you reach your goals and give you added union benefits.

  • 0% APR* for First 6 Months
  • Set Your Credit Limit
  • Limits Ranging From $500 to $20,000
  • No Annual Fees
  • No Cash Advance or Balance Transfer Fees

Savings Secured Loans

Do you have no credit or your credit score is lower than you’d like? A Savings Secured Loan is perfect for you. Lock in lower rates when you set aside part of your savings as collateral. This loan will help you build or rebuild your credit in no time!

  • Loans from $500 to $50,000
  • Great for building or rebuilding credit
  • Repayment plan up to 60 months
  • Use savings as collateral
  • Fixed low rate

Certificate Secured Loan

Sometimes life happens. You lock your extra cash into a Share Certificate for a few years, but now you need those funds to repair your car, fix the water heater or other things. Rather than paying early withdrawal fees on your Share Certificate, consider borrowing against it with a Certificate Secured Loan! You’ll get a set, low rate on your loan and you’ll get to keep earning interest on the money in your Share Certificate.

  • Loans From $500 to $50,000
  • Set, Low Rates
  • Continue Earning on Your Share Certificate
  • 60 Month Repayment Plan
  • Avoid Early Withdrawal Penalties
  • No Early Payoff Penalties

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