Rates are accurate as of Tuesday, January 22
Consumer Loans
| Loan Type | Rate1 | |
|---|---|---|
| Signature Loans | 10.50%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 | 3.99% – 19.99%3 | Car Loan Calculator |
| Truck | 3.99% – 19.99%3 | Truck Loan Calculator |
| SUV | 3.99% – 19.99%3 | SUV Loan Calculator |
| Van | 3.99% – 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% – 11.25%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 | 10.50% — 19.50%5 | Credit Card Calculator |
| Visa® Platinum Rewards Card | 10.50% — 19.50%5 | Credit Card Calculator |
| Secured Visa® Platinum Credit Card | 17.00%5 | Credit Card Calculator |
Home Equity Rates
| Loan Type | Rate1 | |
|---|---|---|
| Home Equity | 5.50%10 Call for APR1 | Home Equity Loan Calculator |
| Home Equity Line of Credit (HELOC) | 5.50%10 Call for APR1 | HELOC Loan Calculator |
Mortgages
| Loan Type | Rate1 | |
|---|---|---|
| 30 Year Fixed | 4.375% Call for APR1 | Mortgage Payment Comparison Calculator |
| 30 Year Fixed FHA | 4.000% Call for APR1 | Mortgage Payment Comparison Calculator |
| 15 Year Fixed | 3.875% Call for APR1 | Mortgage Payment Comparison Calculator |
Savings & Checking Rates
| Loan Type | Rate1 | ||
|---|---|---|---|
| Account Type | Minimum Balance to Earn Dividends | Dividend Rate | APY6 |
| Basic Savings | $0 — Up | 0.10% | 0.10% |
| Secondary Savings | $0 — Up | 0.10% | 0.10% |
| 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 | 0.25% | 0.25% |
| Preferred Money Market8 | $0 — Up | 0.50% | 0.50% |
Certificate of Deposit Rates9
| Certificate Term | Minimum Balance | Dividend Rate | APY6 |
|---|---|---|---|
| 3-Month | $250 | 0.25% | 0.25% |
| 6-Month | $250 | 0.50% | 0.50% |
| 1-Year | $250 | 0.75% | 0.75% |
| 2-Year | $250 | 1.00% | 1.01% |
| 3-Year | $250 | 1.50% | 1.51% |
| 4-Year | $250 | 2.00% | 2.02% |
1. APR = Annual Percentage Rate and are listed "as low as." Mortgage rates excluded, call for APR.
2. 10.50% rate is variable. Rates may change periodically based on the Prime 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 10.50% and 19.50%, depending on your credit history and other factors. Rates may change periodically based on the Prime Rate.
6. APY = Annual Percentage Yield
7. Minimum $250 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 Certificates of Deposit is $250. 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.
2. 10.50% rate is variable. Rates may change periodically based on the Prime 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 10.50% and 19.50%, depending on your credit history and other factors. Rates may change periodically based on the Prime Rate.
6. APY = Annual Percentage Yield
7. Minimum $250 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 Certificates of Deposit is $250. 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.
10. Currently HELOC variable APRs are between 5.50% and 6.25%, depending on your credit history and other factors. Rates may change periodically based on the Prime Rate.
Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change without notice.
Rates valid as of 01/22/19.
Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change without notice.
Rates valid as of 01/22/19.
