Rates are accurate as of Tuesday, September 26
Consumer Loans
| Loan Type | Rate1 | |
|---|---|---|
| Signature Loans | 9.25%2 | Signature Loan Calculator |
| Secured Loan | Rate Varies | Secured Loan Calculator |
| Credit Builder | 4.00% | Credit Builder Loan Calculator |
Auto Loans (New & Used)
| Loan Type | Rate1 | |
|---|---|---|
| Car | 2.99% – 19.99%3 | Car Loan Calculator |
| Truck | 2.99% – 19.99%3 | Truck Loan Calculator |
| SUV | 2.99% – 19.99%3 | SUV Loan Calculator |
| Van | 2.99% – 19.99%3 | Van Loan Calculator |
Motorcycle Loans
| Loan Type | Rate1 | |
|---|---|---|
| Motorcycle (New: 2016-2017) | 6.50% – 10.75%3 | Motorcycle Loan Calculator |
| Motorcycle (Used: 2015-2016) | 6.50% – 12.00%3 | Motorcycle Loan Calculator |
RV, Boat, & Trailer Loans
| Loan Type | Rate1 | |
|---|---|---|
| Recreational Vehicle (New) | as low as 9.00%4 | RV Loan Calculator |
| Recreational Vehicle (Used) | as low as 10.00%4 | RV Loan Calculator |
Credit Card Rates
| Loan Type | Rate1 | |
|---|---|---|
| Visa® Signature Rewards Card | 9.25% — 18.25%5 | Credit Card Calculator |
| Visa® Platinum Rewards Card | 9.25% — 18.25%5 | Credit Card Calculator |
| Secured Visa® Platinum Credit Card | 17.00%5 | Credit Card Calculator |
Home Equity Rates
| Loan Type | Rate1 | |
|---|---|---|
| Home Equity | 5.25%5 Call for APR1 | Home Equity Loan Calculator |
| Fixed Home Equity Line of Credit (HELOC) | 4.00%5 Call for APR1 | HELOC Loan Calculator |
Mortgages
| Loan Type | Rate1 | |
|---|---|---|
| 30 Year Fixed | 3.875% Call for APR1 | Mortgage Payment Comparison Calculator |
| 30 Year Fixed FHA | 3.375% Call for APR1 | Mortgage Payment Comparison Calculator |
| 15 Year Fixed | 3.125% Call for APR1 | Mortgage Payment Comparison Calculator |
Savings & Checking Rates
| Loan Type | Rate1 | ||
|---|---|---|---|
| Account Type | Minimum Balance to Earn Dividends | Dividend Rate | APY6 |
| Primary (Share) Savings | $0 — Up | 0.05% | 0.05% |
| Special (Share) Savings | $0 — Up | 0.05% | 0.05% |
| Holiday Club | $0 — Up | 0.05% | 0.05% |
| Checking | $10,000 — Up | 0.00% | 0.00% |
MMA & PMM Account Rates
| Account Type | Minimum Balance to Earn Dividends | Dividend Rate | APY6 |
|---|---|---|---|
| MoneyMaker7 | $5,000 — $24,999.99 | 0.10% | 0.10% |
| MoneyMaker7 | $25,000 — Up | 0.15% | 0.15% |
| MoneyMaker IRA7 | $0 — $24,999.99 | 0.10% | 0.10% |
| MoneyMaker IRA7 | $25,000 — Up | 0.15% | 0.15% |
| Preferred Money Market8 | $0 — Up | 0.25% | 0.25% |
Certificate of Deposit Rates9
| Certificate Term | Minimum Balance | Dividend Rate | APY6 |
|---|---|---|---|
| 3-Month | $1,000 | 0.10% | 0.10% |
| 6-Month | $1,000 | 0.15% | 0.15% |
| 1-Year | $1,000 | 0.20% | 0.20% |
| 2-Year | $1,000 | 0.30% | 0.30% |
| 3-Year | $1,000 | 0.40% | 0.40% |
| 4-Year | $10,000 — Up | 0.50% | 0.50% |
1. APR = Annual Percentage Rate and are listed "as low as." Mortgage rates excluded, call for APR.
2. 9.25% rate is variable at 5% over Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate.
3. Rates are determined by individual credit standing, collateral age, collateral value, and loan term.
4. Maximum boat age is up to 8 years, depending on condition.
5. Currently Visa® variable APRs are between 9.25% and 17.75%, depending on your credit history and other factors. Rates may change quarterly based on the Prime Rate.
6. APY = Annual Percentage Yield
7. Minimum $5,000 to open account.
8. To be eligible to open a Preferred Money Market, you must have $25,000 invested through ONCU investment department or in an eVision® self-directed account.
9. Minimum balance to earn dividends on share certificates is $1,000. Ask for more information regarding fees and terms on savings, checking and certificate accounts. A substantial penalty is assessed on funds withdrawn prior to maturity on all certificate accounts. All savings, checking and certificate rates are variable and subject to change by the Board of Directors. Fees or other conditions could reduce the earnings on accounts.
Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change without notice.
2. 9.25% rate is variable at 5% over Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate.
3. Rates are determined by individual credit standing, collateral age, collateral value, and loan term.
4. Maximum boat age is up to 8 years, depending on condition.
5. Currently Visa® variable APRs are between 9.25% and 17.75%, depending on your credit history and other factors. Rates may change quarterly based on the Prime Rate.
6. APY = Annual Percentage Yield
7. Minimum $5,000 to open account.
8. To be eligible to open a Preferred Money Market, you must have $25,000 invested through ONCU investment department or in an eVision® self-directed account.
9. Minimum balance to earn dividends on share certificates is $1,000. Ask for more information regarding fees and terms on savings, checking and certificate accounts. A substantial penalty is assessed on funds withdrawn prior to maturity on all certificate accounts. All savings, checking and certificate rates are variable and subject to change by the Board of Directors. Fees or other conditions could reduce the earnings on accounts.
Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change without notice.
