Interest rates as low as

36 Months: 6.513% APR / 6.013% APR Loyalty Rate

48 Months: 6.703% APR / 6.202% APR Loyalty Rate

60 Months: 6.916% APR / 6.415% APR Loyalty Rate

72 Months: 7.141% APR / 6.641% APR Loyalty Rate

84 Months: 7.624% APR / 7.123% APR Loyalty Rate

Rates as of: 1/24/25

Disclosures:

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, model year, term, and loan amount. Rates, terms and conditions are subject to change.

Loyalty 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).  

For all used vehicles below $10,000 add 1.00% to the rate

Add 2.00% for used RV loans - Commercial Vehicles, boats, RVs, ATVs, etc.  Maxium rate of 18.00%.  For every 12 months added to the term on RV loans add .25% to the interest rate.  

Add 0.25% to any loan secured by a prior salvage title.  

Current model year with less than 15,000 miles qualifies for the "New Vehicle" rate.  Term is based on vehicle value and amount financed.  Rates are determined by individual credit scores. Subject to credit approval.  Rates, terms, and conditions are subject to change at any time.  

A loan of $20,000 for 72 months at 7.141% APR will have a monthly payment of $342.34

A loan of $20,000 for 72 months at 6.641% APR Loyalty Rate will have a monthly payment of $337.54