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Auto Loans**
Effective Date: February 1, 2023
TypeTermRateAPR*
Auto and Light Trucks
2016 & Newer
Up to 65 Months 4.99% 4.99%
Auto and Light Trucks
2016 & Newer 
66-75 Months 5.49% 5.49%
Auto and Light Trucks
2016 & Newer 
76-84 Months 5.99% 5.99%
Auto and Light Trucks
2015 & Older 
Up to 65 Months 6.24% 6.24%

Other Secured Loans and Recreational Loans**
Effective Date: February 1, 2023
TypeTermRateAPR*
Model Years 2016 & Newer Up To 65 Months 5.74% 5.74%
Model Years 2016 & Newer 66-75 Months 6.24% 6.24%
Model Years 2016 & Newer 76-84 Months 6.74% 6.74%
Model Years 2016 & Newer 85-180 Months 7.74% 7.74%
Model Years 2015 & Older Up To 65 Months 6.24% 6.24%
Model Years 2015 & Older 66-75 Months 6.74% 6.74%
Model Years 2015 & Older 76-84 Months 7.24% 7.24%
Model Years 2015 & Older 85-120 Months 8.24% 8.24%

Miscellaneous
Effective Date: February 1, 2022
TypeRateAPR*
Personal Credit Line (Overdraft Loan) Variable Rate 10.50% 10.50%
Signature Loan - 60 Month Loan 10.00% 10.00%

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*Annual Percentage Rate. Loan rates are 'as low as' and are based on credit history and term of loan. Not valid on existing OUR Credit Union loans. Rates are subject to change at any time without prior notice.
**Some restrictions may apply. Terms 61-180 Months: Minimum Loan Amounts Required.
Term share-secured rate = certificate rate plus 2.00%
All rates and APRs are accurate as of today and are subject to change at any time without prior notice

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