Consumer Loans
Consumer Loans
If you are looking for a loan for a major purchase or just a little financial relief, look no further. Talk to one of our loan officers today.
Membership eligibility required. Loan terms and conditions based on eligibility. OFCU is an equal housing lender.
Secured Loans (Auto, RV, Boat, etc.)
Looking for a loan on new or used vehicles, RV's, boats, motorcycles, etc. essentially any consumer loan with collateral, (an item pledged for the payment of a loan). If you are looking for a vehicle, your loan officer will be happy to obtain NADA book values or CARFAX© report on a used vehicle. You can discuss payment options that work best for you. Maybe you are ready to purchase a recreational vehicle. We want you to enjoy your time and enjoy your experience with us.
Share and Certificate Loans
Share loans are an excellent way to borrow and still earn interest on your savings. The money on deposit in your share savings account is pledged as collateral. This loan rate is just 3.0% over the share dividend rate. You set the payback term! You may also pledge your certificate at 3.0% over the interest rate earned on the certificate. These loans are designed to help our members maintain their hard earned savings and still borrow at just 3.0% over the interest rate. It's like getting a 3.0% loan!
Signature Loans
The signature loan is a non-collateral loan that only requires your signature and your good credit. The loan limit is based on your monthly gross income. This loan is an excellent way to consolidate your credit cards and other debts into one low monthly payment!
Line of Credit
A line of credit loan is designed to give you quick cash when you need it. Think of it as a credit card without the plastic. Your credit history and income are used to determine your credit line. Your line of credit loan can also be used to cover overdrafts on your personal checking account.
Disclosure for an Open-Ended Loan