Interest rates as low as: 

12.651% APR / 12.147% APR Loyalty Rate

Share-Secured & Certificate-Secured Loans

3.00% above the dividend rate currently earned on Shared Certificate account

(Example: If the share account is earning 4.00% the loan would be at 7.00%) 

Rates as of: 1/24/25

Disclosures: 

RATES AND TERMS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. 

Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, term, and loan amount. Rates, terms, and conditions subject to change at any time.

Loyalty/PFI Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).  

Annual Percentage Rate (APR) 

Maximum Term is 60 months (closed end)