Loan Rates
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New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE 1 |
| 0-48 months 2 | 1.99% to 14.74% |
| 49-60 months 4 | 2.49% to 15.49% |
| 61-72 months 5 | 2.49% to 15.49% |
| 73-84 months 6,7 | 2.99% to 5.49% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 115% 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, and GAP.
Loan Payment Example: $21.69 per month per $1,000 borrowed at 1.99% APR for 48 months
1 Lowest rate reflects a 0.500% discount for 20% down payment.
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 | 7 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE 1 |
| 0-48 months 2 | 1.99% to 14.74% |
| 49-60 months 4 | 2.49% to 15.49% |
| 61-72 months 5 | 2.49% to 15.49% |
| 73-84 months 6,7 | 2.99% to 5.49% |
LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)
MAXIMUM AMOUNT
Up to 115% 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 and GAP.
Loan Payment Example: $21.69 per month per $1,000 borrowed at 1.99% APR for 48 months
1 Lowest rate reflects a 0.500% discount for 20% down payment.
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 | 7 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
| 85-120 months 7,9 | 7.74% to 9.99% |
| 121-180 months 8,9 | 7.99% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
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 (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
| 85-120 months 7,9 | 7.74% to 9.99% |
| 121-180 months 8,9 | 7.99% to 10.24% |
LOAN TYPE
10 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
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 (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $35,000 | 8 Minimum loan amount $50,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
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 |
| Double Dollars | $10,000 | 60 Months | 10.50% |
LOAN TYPE
Savings Secured, Certificate, Double Dollars
MAXIMUM AMOUNT
$50,000, $50,000, $10,000
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
Double Dollar: $21.49 per month per $1,000 borrowed at 10.50% APR for 60 months
Information accurate as of January 5, 2021.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $10,000 | 60 months | 9.24% to 17.99% |
| Quick Loans | $3,000 | 12 months | 9.25% |
LOAN TYPE
Signature, Quick Loans
MAXIMUM AMOUNT
$10,000, $3,000
Loan Payment Example:
Signature: $21.24 per month per $1,000 borrowed at 9.99% APR for 60 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months
Information accurate as of January 5, 2021.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $25,000 | 0% Intro for first 6 months, 8.98% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $25,000 | 11.98% to 17.98% |
| VISA® STEEL Secured | None | $25,000 | 0% Intro for first 6 months, 5.98% thereafter* |
| VISA® STEEL Secured Rewards | None | $25,000 | 8.98% |
*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 January 5, 2021.
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,7 | 7.24% to 9.74% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months 4
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 | 7 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,7 | 7.24% to 9.74% |
LOAN TYPE
10 model years or newer only
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 | 7 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
| 85-120 months 7,9 | 7.74% to 9.99% |
| 121-180 months 8,9 | 7.99% to 10.24% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $25,000 | 8 Minimum loan amount $50,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
| 85-120 months 7,9 | 7.74% to 9.99% |
| 121-180 months 8,9 | 7.99% to 10.24% |
LOAN TYPE
10 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 |
7 Minimum loan amount $25,000 | 8 Minimum loan amount $50,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness. | 9 Term available for tier 1 through 3 only
Information accurate as of January 5, 2021.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 5.24% to 17.99% |
| 49-60 months 4 | 5.74% to 17.99% |
| 61-72 months 5 | 6.24% to 17.99% |
| 73-84 months 6,9 | 7.24% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $10,000 | 6 Minimum loan amount $15,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of January 5, 2021.
Home Loan Rates
| LOAN TYPES | INTEREST RATE | APR | MONTHLY MORTGAGE PAYMENT (P&I) |
| 10 Yr Fixed Conforming | 3.000% | 3.173% | $2,896.82 Payment Details |
| 15 Yr Fixed Conforming | 3.250% | 3.370% | $2,108.01 Payment Details |
| 20 Yr Fixed Conforming | 3.625% | 3.719% | $1,759.21 Payment Details |
| 30 Yr Fixed Conforming | 3.875% | 3.943% | $1,410.71 Payment Details |
| 10 Yr Fixed Non Conforming | 3.125% | 3.176% | $8,256.80 Payment Details |
| 15 Yr Fixed Non Conforming | 3.375% | 3.411% | $6,024.46 Payment Details |
| 20 - Yr Fixed Non Conforming | 3.750% | 3.778% | $5,039.55 Payment Details |
| 30 - Yr Fixed Non Conforming | 4.000% | 4.020% | $4,058.03 Payment Details |
| 5/6 Hybrid ARM | 2.000% | 5.022% | $1,108.86 Payment Details |
| 7/6 Hybrid ARM | 2.000% | 4.662% | $1,108.86 Payment Details |
| 10/6 Hybrid ARM | 2.250% | 4.216% | $1,146.74 Payment Details |
| Home Equity Line of Credit (2 in 1 Product) | 3.250% | 3.250% | $270.84 Payment Details |
Rates are based on the following assumptions:
Conforming Loans: $300,000 loan amount and 20% down payment (net equity) with a 740 or better qualifying credit score.
Non Conforming Loans: $850,000 loan amount and 20% down payment with a 740 or better qualifying credit score.
Note that the rates and/or fees may be higher based upon your credit score.
Home Equity Line of Credit: $100,000
Discount Points = 0
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.
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.
Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.
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.
The conforming loan limit for 2021 is $548,250. A non conforming loan amount is based on a loan amount exceeding the maximum designated conforming limit by the Federal Housing Finance Authority (FHFA).
All rates are subject to change without notice. For the most up-to-date rates, please call OE Federal Credit Union at 800.877.4444.
*Rates as of March 25, 2021.
Adjustable Rate Line of Credit
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Home Equity | $250,000 | 10-year draw period, 20-year repayment period after last draw. Possible 30-year maximum term. | Prime Rate |
Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.
Maximum Amount: $250,000
Rates posted are based on the following assumptions:
A combined loan-to-value of 80% or less and a minimum credit score of 740.
Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.
Information accurate as of January 5, 2021.
Fixed Rate Conversion Options
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 5 years | 3.875% |
| 10 years | 4.875% |
| 15 years | 5.125% |
| 20 years | 5.625% |
Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.
Maximum Amount: $250,000
Rates posted are based on the following assumptions:
A combined loan-to-value of 80% or less and a minimum credit score of 740.
Fixed Rate Conversions reflect a minimum credit score of 780.
Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.
Information accurate as of January 5, 2021.