Loan Rates
Applying is easy! You can apply online or print your application and drop it off with one of our Loan Professionals.
For a limited time you can earn up to $100 in free gas, and you could qualify for 90 days without payments!1
Paying a high interest auto loan?
Refinancing is simple! And we guarantee your new rate will be at least 1% less than your current rate.2 Contact our Loan Professionals for your pre-approval today!
| Auto Loans | |||
| Effective Date: April 1, 2019 | |||
| Term | Rate | APR* | |
| Auto and Light Trucks 2012 & Newer | Up to 60 Months | 3.24% | 3.24% |
| Auto and Light Trucks 2011 & Older | Up to 60 Months | 3.99% | 3.99% |
| Additional Terms Available. | |||
| Other Secured Loans and Recreational Loans** | ||||
| Effective Date: April 1, 2019 | ||||
| Term | Rate | APR* | ||
| Model Years 2012 & Newer | Up To 60 Months | 4.49% | 4.49% | |
| Model Years 2012 & Newer | 61-96 Months | 4.99% | 4.99% | |
| Model Years 2012 & Newer | 97-120 Months | 5.49% | 5.49% | |
| Model Years 2012 & Newer | 121-180 Months | 6.49% | 6.49% | |
| Model Years 2011 & Older | Up To 60 Months | 5.49% | 5.49% | |
| Miscellaneous | ||
| Effective Date: April 1, 2019 | ||
| Rate | APR* | |
| Personal Credit Line (Overdraft Loan) Variable Rate | 8.50% | 8.50% |
| Signature Loan - 60 Month Loan | 7.75% | 7.75% |
| Mortgages |
| Looking for a great rate on a mortgage? Check out our Mortgage Center! |
1.New loans of $10,000 or more qualify for $100 and loans of $5,000-$9,999 qualify for $50. New money only. Gas money will be deposited into your account at time of disbursal. No payment for first 90 days for qualified borrows. Offer expires 06/30/2019.
2. Upon approval of refinancing your loan from another institution, we guarantee your new rate will be at least 1% less than your current rate, minimum rate of 2.74% annual percentage rate.
*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 85-180 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.