Loan Rates
Loan Rates
Our loan underwriting and policies are designed for the union lifestyle and seasonal-based work so you can feel secure in your big purchases. Check out our loan rates and use the loan calculator to estimate your monthly payment.
- New & Used Auto Loans, RVs and More
- Visa Credit Cards
- Personal Loans
- Home Loans
New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-48 months 1 | 5.74% to 10.24% |
| 49-72 months 3 | 5.99% to 10.49% |
| 73-84 months 4 | 6.49% to 11.49% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months
1 Minimum loan amount $7,500 | 3 Minimum loan amount $15,000 | 4 Minimum loan amount $25,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-48 months 1 | 5.74% to 10.24% |
| 49-72 months 3 | 5.99% to 10.49% |
| 73-84 months 4 | 6.49% to 11.49% |
LOAN TYPE
10 model years or newer only (60-month term maximum for vehicles with 200,000 miles or more)
MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months
1 Minimum loan amount $7,500 | 3 Minimum loan amount $15,000 | 4 Minimum loan amount $25,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
Current model year
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of JD Power retail value, not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Personal Loans [Secured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Savings Secured | $50,000 | 60 Months | 3.00% |
| Certificate | $50,000 | 60 Months | 3.00% Above Certificate Rate |
LOAN TYPE
Savings Secured and Certificate
MAXIMUM AMOUNT
$50,000, $50,000
Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months
Information accurate as of December 1, 2024.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $20,000 | 60 months | 10.24% to 17.99% |
LOAN TYPE
Signature
MAXIMUM AMOUNT
$20,000
Loan Payment Example:
Signature: $32.50 per month per $1,000 borrowed at 10.49% APR for 36 months
Information accurate as of December 1, 2024.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 13.48% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.48% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.48% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.48% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of December 1, 2024.
Fixed Rate Mortgages
| FIXED RATE LOAN PROGRAM | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 30-Year Fixed | $50,000 - $726,200 | 80% | 7.000% | 7.082% |
| 30-Year Fixed, 5% Down | $50,000 - $726,200 | 95% | 7.125% | 7.208% |
| 20-Year Fixed | $50,000 - $726,200 | 80% | 6.750% | 6.856% |
| 15-Year Fixed | $50,000 - $726,200 | 80% | 6.250% | 6.380% |
| 10-Year Fixed | $50,000 - $726,200 | 80% | 6.125% | 6.308% |
| 30-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 7.000% | 7.021% |
| 20-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.875% | 6.902% |
| 15-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.375% | 6.409% |
| 10-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.250% | 6.297% |
¹ Loan Amount
The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.
² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Conforming: Loan amount of $300,000 + closing costs
- Jumbo: Loan amount of $975,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
Discount Points = 0
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 12, 2024.
Adjustable Rate Mortgages
| ADJUSTABLE RATE LOAN PROGRAM ³ | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 10/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.875% | 7.557% |
| 7/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.625% | 7.999% |
| 5/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.375% | 8.140% |
| 10/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 6.000% | 7.629% |
| 7/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.750% | 8.059% |
| 5/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.500% | 8.207% |
¹ Loan Amount
The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.
² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Conforming: Loan amount of $300,000 + closing costs
- Jumbo: Loan amount of $975,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
³ Adjustable Rate Loan Programs
Our adjustable rate loans have a fixed rate for 5, 7 or 10 years (based upon the selected program), followed by an adjustable rate period that lasts through the end of the 30-year loan term. The adjustable rate on your loan adjusts every six months after your fixed rate period ends and is calculated using the 30-day compounded average of the Secured Overnight Financing Rate (SOFR) Index, plus a margin. The rate shown is for the fixed rate period.
Discount Points = 0
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 12, 2024.
Home Equity Loans
| HOME EQUITY LOAN PROGRAM | LOAN AMOUNT | LOAN-TO-VALUE | RATE | APR ¹ |
| 5-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.875% | 7.911% |
| 10-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.000% | 8.020% |
| 15-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.125% | 8.139% |
| 20-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.250% | 8.262% |
Our Fixed Rate Equity Loan offers flexible terms of 5, 10, 15 and 20 years. You pick the term that best meets your needs!
¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Home Equity Loan: Loan amount of $100,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- All rates shown are based upon ≤80% loan to value ratio
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
Maximum Loan Amount: $250,000
Note that the rates and/or fees may be higher based upon credit score.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 1, 2024.
Home Equity Line of Credit
| LOAN AMOUNT | LOAN-TO-VALUE | RANGE OF APR ¹ |
| $15,000 - $250,000 | Up to 80% | 7.750% to 8.750% |
¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Home Equity Line of Credit : Loan amount of $100,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
This amount reflects the estimated initial payment against the full loan amount of $100,000, with excellent credit. Actual monthly payments and final payoff amount will vary depending on the timing and amount of draws against the line of credit. Actual rate, of Prime + added margin, may be higher based on credit score.
Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.
Initial Interest Rate: On a Fixed rate loan, it is the rate for the entire life of the loan. On an Adjustable Rate Loan it is the interest rate that is fixed for some specified number of months at the beginning of the loan term
Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.
Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.
Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.
Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 1, 2024.
Related Products and Services
Auto Loans
Learn MoreRV Loans
Learn MoreVISA® STEEL Credit Card
Learn MoreCompare Personal Loans
Learn MoreMortgage Loans
Learn MoreNew Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-48 months 1 | 5.74% to 10.24% |
| 49-72 months 3 | 5.99% to 10.49% |
| 73-84 months 4 | 6.49% to 11.49% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months
1 Minimum loan amount $7,500 | 3 Minimum loan amount $15,000 | 4 Minimum loan amount $25,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-48 months 1 | 5.74% to 10.24% |
| 49-72 months 3 | 5.99% to 10.49% |
| 73-84 months 4 | 6.49% to 11.49% |
LOAN TYPE
10 model years or newer only (60-month term maximum for vehicles with 200,000 miles or more)
MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months
1 Minimum loan amount $7,500 | 3 Minimum loan amount $15,000 | 4 Minimum loan amount $25,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
Current model year
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of JD Power retail value, not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Personal Loans [Secured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Savings Secured | $50,000 | 60 Months | 3.00% |
| Certificate | $50,000 | 60 Months | 3.00% Above Certificate Rate |
LOAN TYPE
Savings Secured and Certificate
MAXIMUM AMOUNT
$50,000, $50,000
Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months
Information accurate as of December 1, 2024.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $20,000 | 60 months | 10.24% to 17.99% |
LOAN TYPE
Signature
MAXIMUM AMOUNT
$20,000
Loan Payment Example:
Signature: $32.50 per month per $1,000 borrowed at 10.49% APR for 36 months
Information accurate as of December 1, 2024.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 13.48% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.48% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.48% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.48% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of December 1, 2024.
Fixed Rate Mortgages
| FIXED RATE LOAN PROGRAM | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 30-Year Fixed | $50,000 - $726,200 | 80% | 7.000% | 7.082% |
| 30-Year Fixed, 5% Down | $50,000 - $726,200 | 95% | 7.125% | 7.208% |
| 20-Year Fixed | $50,000 - $726,200 | 80% | 6.750% | 6.856% |
| 15-Year Fixed | $50,000 - $726,200 | 80% | 6.250% | 6.380% |
| 10-Year Fixed | $50,000 - $726,200 | 80% | 6.125% | 6.308% |
| 30-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 7.000% | 7.021% |
| 20-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.875% | 6.902% |
| 15-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.375% | 6.409% |
| 10-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 6.250% | 6.297% |
¹ Loan Amount
The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.
² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Conforming: Loan amount of $300,000 + closing costs
- Jumbo: Loan amount of $975,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
Discount Points = 0
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 12, 2024.
Adjustable Rate Mortgages
| ADJUSTABLE RATE LOAN PROGRAM ³ | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 10/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.875% | 7.557% |
| 7/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.625% | 7.999% |
| 5/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.375% | 8.140% |
| 10/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 6.000% | 7.629% |
| 7/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.750% | 8.059% |
| 5/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.500% | 8.207% |
¹ Loan Amount
The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.
² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Conforming: Loan amount of $300,000 + closing costs
- Jumbo: Loan amount of $975,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
³ Adjustable Rate Loan Programs
Our adjustable rate loans have a fixed rate for 5, 7 or 10 years (based upon the selected program), followed by an adjustable rate period that lasts through the end of the 30-year loan term. The adjustable rate on your loan adjusts every six months after your fixed rate period ends and is calculated using the 30-day compounded average of the Secured Overnight Financing Rate (SOFR) Index, plus a margin. The rate shown is for the fixed rate period.
Discount Points = 0
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 12, 2024.
Home Equity Loans
| HOME EQUITY LOAN PROGRAM | LOAN AMOUNT | LOAN-TO-VALUE | RATE | APR ¹ |
| 5-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.875% | 7.911% |
| 10-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.000% | 8.020% |
| 15-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.125% | 8.139% |
| 20-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.250% | 8.262% |
Our Fixed Rate Equity Loan offers flexible terms of 5, 10, 15 and 20 years. You pick the term that best meets your needs!
¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Home Equity Loan: Loan amount of $100,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- All rates shown are based upon ≤80% loan to value ratio
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
Maximum Loan Amount: $250,000
Note that the rates and/or fees may be higher based upon credit score.
*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 1, 2024.
Home Equity Line of Credit
| LOAN AMOUNT | LOAN-TO-VALUE | RANGE OF APR ¹ |
| $15,000 - $250,000 | Up to 80% | 7.750% to 8.750% |
¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:
- Home Equity Line of Credit : Loan amount of $100,000 + closing costs
- All rates shown are based upon a 45-day rate lock*
- Rates show are for borrowers with excellent credit and no subordinate financing.
- Your rate may be different than what is shown due to pricing adjustments for certain scenarios.
This amount reflects the estimated initial payment against the full loan amount of $100,000, with excellent credit. Actual monthly payments and final payoff amount will vary depending on the timing and amount of draws against the line of credit. Actual rate, of Prime + added margin, may be higher based on credit score.
Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.
Initial Interest Rate: On a Fixed rate loan, it is the rate for the entire life of the loan. On an Adjustable Rate Loan it is the interest rate that is fixed for some specified number of months at the beginning of the loan term
Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.
Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.
Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.
Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.
Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.
*Rates as of December 1, 2024.
Frequently Asked Questions
Check out our FAQs below for New and Used Auto Loans, RVs, Visa Credit Cards, Personal Loans, Home Loans, and More.
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What type of loans do you offer?
We offer Auto, Motorcycle, RV, Powersport, Home, Home Equity Lines of Credit, Personal, and Visa Credit Cards. To compare our different loans side by side visit the compare home loans and the compare personal loans page.
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What is a down payment?
A down payment is the amount of money you pay upfront and out-of-pocket when making your initial purchase, reducing the amount of the loan you’ll need.
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Is a down payment required?
Depending on your credit and loan type, a down payment may be required.
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What is interest?
Interest is the amount of money charged for borrowing from a financial institution, typically expressed as an annual percentage rate (APR).
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What is a fixed rate?
A fixed rate is an interest rate that stays the same for the life of a loan.
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What is collateral?
Collateral refers to an asset that a lender (OE Federal) accepts as security for a loan. This collateral acts as a form of protection for the OE Federal.
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How do I get pre-approved for a loan?
- Complete an online OE Federal loan application hitting the “Apply for a Loan” button above.
- Call us directly at (800)-877-4444.
- Come into any OE Federal branch and fill out an application in person.
- Visit our Applying for Loan with OE Federal page (Coming soon).
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How much am I eligible to borrow?
The amount you’ll be eligible to borrow depends on factors such as your credit and income. To find out how much you can borrow, give us a call 800.877.4444.
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Can I refinance a loan from another financial institution?
Yes, we refinance all loans.
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How does a refinance work?
You’ll want to start by submitting an OE Federal loan application and we’ll contact you.
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Does OE Federal charge a fee to refinance?
No, there is no additional fee to refinance your loan.
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How soon can I can refinance my loan?
As soon as you’re ready. Give us a call or stop by your local branch so we can walk you through the steps.
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Can I pay my loan off early?
Yes, you can pay your loan off at your own pace as long as you make at least your minimum payment each month.
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Is there a fee for paying off my loan early?
No, there are no fees for early payoff.
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Can my rate change after I’m approved for a loan?
No, once you’ve been approved, your rate will remain the same throughout the life of the loan.
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How soon can I get my money?
In some cases, you can get access to your money in as little as 48 business hours.
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What is CUDL?
CUDL stands for Credit Union Direct Lending. Most dealerships (auto, motorcycle, RV, Powersport) work with OE Federal to be part of the CUDL program to make the buying experience easier for you. At the dealership, you can request to finance directly with OE Federal. And, in most cases, CUDL offers the flexibility for you to leave the dealership with the vehicle the same day, pending approval.
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Can I purchase from a private party seller?
Yes, you can purchase from a private party.
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Do you offer new and used Auto Loans?
Yes, we offer both.
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What is considered a new vehicle?
We consider a new vehicle to be either the current or previous year’s model with a max of 7,500 miles.
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How old of a vehicle can I finance?
You can finance vehicles 10 model years or newer.
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When shopping for a vehicle, is a there a maximum number of miles a vehicle can have?
No, but if the vehicle has over 200,000 miles or more, the longest term we offer is 60 months.
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Do you offer new and used Motorcycle Loans?
Yes, we offer both.
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What is considered a new motorcycle?
We consider a new motorcycle to be either the current or previous year’s model with a max of 7,500 miles.
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How old of a motorcycle can I finance?
You can finance a Motorcycle 10 model years or newer.
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Can I purchase a dirt bike with a Motorcycle Loan?
We do finance dirt bikes; however, you’ll need to apply for our Powersport Loan rather than a Motorcycle Loan.
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Do you offer new and used RV Loans?
Yes, we offer both.
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How old of a RV can I finance?
You can finance RVs 10 model years or newer.
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What is considered a new powersport?
Current and previous year are considered a new powersport.
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How old of a powersport can I finance?
You can finance a powersport that is 10 model years old or newer.
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Can I finance the trailer to haul my powersport?
The only trailers we finance are boat trailers and jet ski trailers.
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Can I pay my Signature Loan off early?
Yes, you can pay your loan off at your own pace as long as you make at least your minimum payment each month.
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Is there a fee for paying off my Signature Loan early?
No, there are no fees for early payoff.
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Is collateral needed for a Signature Loan?
No collateral is needed for a Signature Loan.
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How does a Savings Secured Loan help my credit?
A Savings Secured Loan can help you create a positive credit history by making payments on time. If you’re just beginning to establish credit or are trying to rebuild your credit after past difficulties, opening this type loan can help you do that.
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How much can I borrow with a Savings Secured Loan?
With a secured loan, you use the money in your savings as collateral. This means your loan amount will be determined by the amount available in your savings. If you have $2000 in your savings, you can only borrow up to $2,000. The minimum for amount for a Savings Secured Loan must be at least $500 and the maximum amount can be up to $50,000.
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What can a Savings Secured Loan be used for?
A Savings Secured Loan can be used for just about anything you want from paying off debt, paying for school, auto repairs, and more.
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Is collateral needed for a Saving Secured Loan?
Yes, collateral is needed for all secured loans.
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Can I use my Share Certificate as my collateral?
Unfortunately, a Share Certificate cannot be used as collateral for a Double Dollar Loan; however, you can apply for a Certificate Secured Loan.
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Do I have to borrow the total amount that’s in my Share Certificate?
No, you can borrow any portion of your Share Certificate ($500 – $50,000) as long as the amount is available in your certificate account.
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Can I request more than $3,000 for a Quick Loan?
The maximum amount we offer for a Quick Loan is $3,000. If you need a larger loan, you may want to apply for a Signature Loan. To view all of our loan options, visit our Compare Personal Loans Page.
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What type of credit cards do you offer?
We offer a Visa Credit Card, a Visa Rewards Card, and Secured Credit Cards.
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What’s the difference between a Visa Secured Credit Card and a Visa Credit Card?
- A Visa Secured Credit Card requires a minimum deposit of $500 to act as your collateral or line of credit. This $500 will not be accessible while the account is open. This is great for individuals who may be looking to improve their credit score.
- A Visa Credit Card does not require a deposit of any amount and is great for individuals who already have established credit.
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What will my Visa Credit Card’s limit be?
Limits range from $500 to $25,000 depending on credit.
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Can my limit on my Visa Credit Card be increased?
Yes, you can request a limit increase at any time by filling out a loan application. Under the “Purpose of Loan” drop down, select “increase.” Approval will be based on your credit at the time of request and proof of income.
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Can my Visa Credit Card rate change?
Yes, depending on the current Prime Rate.
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What should I do if my credit card is lost or stolen?
If your card is lost or stolen during normal business hours, call 800.877.4444. If it’s after business hours, call 844.665.5272. Or, if you have misplaced your card, you can use CardValet to turn it on or off.
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Can I Transfer Balances from another Credit Card?
Yes, you can. We have no balance transfer fees. To learn how to transfer your balance, visit our balance transfer page.
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When you get a home loan, is a down payment required?
Yes, a down payment is required for a home loan. The down payment needs to come from the buyer from a viable source that can be documented and the funds must be seasoned for a minimum of 60 days. To learn more about home loan down payments, click here.
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For a home loan, how much do I need for a down payment?
While there are different programs that require different amounts for a down payments, the amount varies for each borrower. Your income, how much can you afford for a monthly payment, and the cost of the home are all considered when calculating your down payment. For help with planning how much you should be saving up for a down payment, speak with someone on our Real Estate Team to get you ready for your next home. To learn more about home loan down payments, click here.
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For a home loan, how much do I need to save?
There are loan programs available to purchase a home with as little down payment as 5% of the sales price, but it’s important to also have money set aside for closing costs and reserves. Call our Real Estate Lending team and we can discuss your specific needs or to learn more about home loans, click here.
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Should I get pre-qualified for a home loan?
Start your pre-approval click here or giving us a call. Or, to learn more about home loans, click here.
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How do I apply for a home loan?
OE Federal makes applying for a home loan easy for our members. You can either call and talk to our team directly, apply online by clicking here, or even call after hours to speak with our originations support team.
To learn more about home loans, click here.
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Can I bring my mortgage from another lender to OE Federal?
Yes, we can help with bringing your existing mortgage over to OE Federal. Call our Real Estate Lending team and we can discuss your specific needs.