Rates
OE Federal Rates
With our totally free checking and variety of Savings Accounts, OE Federal makes your everyday banking easy. Our loan underwriting and policies were designed for the union lifestyle and seasonal-based work so you can feel secure in your big purchases. Check out our Savings and Loan Rates to discover the right account for you.
- Savings Accounts
- Share Certificates and Money Markets
- Retirement Accounts
- Vehicle Loans
- Home Loans, Personal Loans, and More
New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 16.99% |
| 49-60 months 4 | 4.99% to 17.74% |
| 61-72 months 5 | 4.99% to 17.74% |
| 73-84 months 6,7 | 5.49% to 7.49% |
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: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 16.99% |
| 49-60 months 4 | 4.99% to 17.74% |
| 61-72 months 5 | 4.99% to 17.74% |
| 73-84 months 6,7 | 5.49% to 7.49% |
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: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Older Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 4, 11 | 5.19% |
| 49-60 months 4, 11 | 5.69% |
11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel)
Loan Payment Example: $23.12 per month per $1,000 borrowed at 5.19% APR for 48 months
Available for purchase only. No cash out loans.
4 Minimum loan amount $7,500 | 11 Term available for tiers 1 and 2 only.
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
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 February 6, 2023.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $10,000 | 60 months | 10.24% to 17.99% |
| Quick Loans | $3,000 | 12 months | 9.25% |
LOAN TYPE
Signature, Quick Loans
MAXIMUM AMOUNT
$25,000, $3,000
Loan Payment Example:
Signature: $32.38 per month per $1,000 borrowed at 10.24% APR for 36 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months
Information accurate as of February 6, 2023.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $25,000 | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $25,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $25,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $25,000 | 13.23% |
*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 February 6, 2023.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 February 6, 2023.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 February 6, 2023.
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
LOAN TYPE
15 model years or newer. 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Fixed Rate Mortgages
| FIXED RATE LOAN PROGRAM | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 30-Year Fixed | $50,000 - $726,200 | 80% | 5.750% | 5.826% |
| 30-Year Fixed, 5% Down | $50,000 - $726,200 | 95% | 5.875% | 5.925% |
| 20-Year Fixed | $50,000 - $726,200 | 80% | 5.500% | 5.601% |
| 15-Year Fixed | $50,000 - $726,200 | 80% | 5.000% | 5.126% |
| 10-Year Fixed | $50,000 - $726,200 | 80% | 4.875% | 5.054% |
| 30-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.750% | 5.780% |
| 20-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.625% | 5.666% |
| 15-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.125% | 5.195% |
| 10-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.000% | 5.073% |
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 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 February 6, 2023.
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% | 5.500% | 7.212% |
| 7/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.250% | 7.655% |
| 5/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.000% | 7.795% |
| 10/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.625% | 7.170% |
| 7/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.375% | 7.602% |
| 5/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.125% | 7.910% |
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 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 February 6, 2023.
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% | 7.625% | 7.661% |
| 10-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.750% | 7.769% |
| 15-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.875% | 7.889% |
| 20-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.000% | 8.011% |
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 January 3, 2023
Home Equity Line of Credit
| LOAN AMOUNT | LOAN-TO-VALUE | RANGE OF APR ¹ |
| $15,000 - $250,000 | Up to 80% | 7.500% to 8.500% |
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 January 3, 2023.
Savings
MINIMUM INITIAL DEPOSIT: $5
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $5 | 0.03% | Monthly |
| $100 | 0.03% | Monthly |
| $5,000 | 0.04% | Monthly |
| $20,000 | 0.05% | Monthly |
| $50,000 | 0.07% | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Certificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 1.85% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| Promotional 13 Month** | 3.12% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:
3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends
**Promotional 13 Month Certificate automatically renews to a 12 Month Certificate. Maximum per member is $250,000. This is a limited time offer and can be withdrawn at any time.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Ira Share Accounts
MINIMUM INITIAL DEPOSIT: $100
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 MINIMUM | ||
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
IRA Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Coverdell Educational Share Accounts
MINIMUM INITIAL DEPOSIT: $50
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Coverdell Educational Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Money Market
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | STANDARD ACCOUNTS (APY) | MINIMUM TO EARN DIVIDEND | COMPOUNDING PERIOD |
| Money Market | 0.30% | $1,000 | Monthly |
| 0.35% | $10,000 | Monthly | |
| 0.35% | $25,000 | Monthly | |
| 0.40% | $50,000 | Monthly | |
| 0.45% | $100,000 | Monthly | |
| 0.50% | $250,000 | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 16.99% |
| 49-60 months 4 | 4.99% to 17.74% |
| 61-72 months 5 | 4.99% to 17.74% |
| 73-84 months 6,7 | 5.49% to 7.49% |
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: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.49% to 16.99% |
| 49-60 months 4 | 4.99% to 17.74% |
| 61-72 months 5 | 4.99% to 17.74% |
| 73-84 months 6,7 | 5.49% to 7.49% |
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: $22.80 per month per $1,000 borrowed at 4.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Older Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 4, 11 | 5.19% |
| 49-60 months 4, 11 | 5.69% |
11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel)
Loan Payment Example: $23.12 per month per $1,000 borrowed at 5.19% APR for 48 months
Available for purchase only. No cash out loans.
4 Minimum loan amount $7,500 | 11 Term available for tiers 1 and 2 only.
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
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 February 6, 2023.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $10,000 | 60 months | 10.24% to 17.99% |
| Quick Loans | $3,000 | 12 months | 9.25% |
LOAN TYPE
Signature, Quick Loans
MAXIMUM AMOUNT
$25,000, $3,000
Loan Payment Example:
Signature: $32.38 per month per $1,000 borrowed at 10.24% APR for 36 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months
Information accurate as of February 6, 2023.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $25,000 | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $25,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $25,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $25,000 | 13.23% |
*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 February 6, 2023.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 February 6, 2023.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 15.50% |
*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 February 6, 2023.
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months 7,9 | 8.99% to 11.24% |
| 121-180 months 8,9 | 9.24% to 11.49% |
LOAN TYPE
15 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 6.49% to 17.99% |
| 49-60 months 4 | 6.99% to 17.99% |
| 61-72 months 5 | 7.49% to 17.99% |
| 73-84 months 6,9 | 8.49% to 10.99% |
| 85-120 months7,9 | 8.99% to 11.24% |
| 121-180 months8,9 | 9.24% to 11.49% |
LOAN TYPE
15 model years or newer. 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: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of February 6, 2023.
Fixed Rate Mortgages
| FIXED RATE LOAN PROGRAM | LOAN AMOUNT ¹ | LOAN-TO-VALUE | RATE | APR ² |
| 30-Year Fixed | $50,000 - $726,200 | 80% | 5.750% | 5.826% |
| 30-Year Fixed, 5% Down | $50,000 - $726,200 | 95% | 5.875% | 5.925% |
| 20-Year Fixed | $50,000 - $726,200 | 80% | 5.500% | 5.601% |
| 15-Year Fixed | $50,000 - $726,200 | 80% | 5.000% | 5.126% |
| 10-Year Fixed | $50,000 - $726,200 | 80% | 4.875% | 5.054% |
| 30-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.750% | 5.780% |
| 20-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.625% | 5.666% |
| 15-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.125% | 5.195% |
| 10-Year Fixed Jumbo | $726,201 - $3,000,000 | 80% | 5.000% | 5.073% |
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 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 February 6, 2023.
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% | 5.500% | 7.212% |
| 7/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.250% | 7.655% |
| 5/6 month 30-Year Adjustable | $50,000 - $726,200 | 80% | 5.000% | 7.795% |
| 10/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.625% | 7.170% |
| 7/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.375% | 7.602% |
| 5/6 month 30-Year Adjustable Jumbo | $726,201 - $3,000,000 | 80% | 5.125% | 7.910% |
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 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 February 6, 2023.
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% | 7.625% | 7.661% |
| 10-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.750% | 7.769% |
| 15-Year Fixed | $15,000 - $250,000 | Up to 90% | 7.875% | 7.889% |
| 20-Year Fixed | $15,000 - $250,000 | Up to 90% | 8.000% | 8.011% |
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 January 3, 2023
Home Equity Line of Credit
| LOAN AMOUNT | LOAN-TO-VALUE | RANGE OF APR ¹ |
| $15,000 - $250,000 | Up to 80% | 7.500% to 8.500% |
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 January 3, 2023.
Savings
MINIMUM INITIAL DEPOSIT: $5
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $5 | 0.03% | Monthly |
| $100 | 0.03% | Monthly |
| $5,000 | 0.04% | Monthly |
| $20,000 | 0.05% | Monthly |
| $50,000 | 0.07% | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Certificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 1.85% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| Promotional 13 Month** | 3.12% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:
3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends
**Promotional 13 Month Certificate automatically renews to a 12 Month Certificate. Maximum per member is $250,000. This is a limited time offer and can be withdrawn at any time.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Ira Share Accounts
MINIMUM INITIAL DEPOSIT: $100
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 MINIMUM | ||
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
IRA Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Coverdell Educational Share Accounts
MINIMUM INITIAL DEPOSIT: $50
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Coverdell Educational Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1000 MINIMUM | ||
| 3 Month | 0.65% | Monthly |
| 6 Month | 1.05% | Monthly |
| 12 Month | 1.85% | Monthly |
| 18 Month | 2.00% | Monthly |
| 24 Month | 2.10% | Monthly |
| 36 Month | 2.35% | Monthly |
| 48 Month | 2.45% | Monthly |
| 60 Month | 2.55% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.
Money Market
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | STANDARD ACCOUNTS (APY) | MINIMUM TO EARN DIVIDEND | COMPOUNDING PERIOD |
| Money Market | 0.30% | $1,000 | Monthly |
| 0.35% | $10,000 | Monthly | |
| 0.35% | $25,000 | Monthly | |
| 0.40% | $50,000 | Monthly | |
| 0.45% | $100,000 | Monthly | |
| 0.50% | $250,000 | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of February 6, 2023.