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CHECKING & SAVINGS LOANS VISAŽ CREDIT CARD ELECTRONIC SERVICES ADDITIONAL SERVICES ABOUT OXFORD FCU
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LOAN RATES
DEPOSIT RATES
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Rates

Loan Rates

All rates are subject to change without notice, please call for special promotions, rates and terms.
APR is annual percentage rate. All rates shown are "as low as". All consumer loan rates are determined by an assessment of your credit and may vary from rate shown. APY is annual percentage yield. Call for 1.800.991.9219 for current rates.

New Auto Loans


New Autos = 2017, and 2016 or 2015 with less than 10,000 miles
  Loan Type  Rate (as low as)  Term 
New Auto Loans1.95% APR0 - 35 MonthsCalculator  
 2.25% APR36-59 Months   
 2.45% APR60-83 months*   
*Secured loans 72-83 months require a loan amount minimum of $15k.

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Used Auto Loans


Used Autos = 2007 or Newer
  Loan Type  Rate (as low as)  Term 
Used Auto Loans2.45% APR0 - 35 MonthsCalculator  
 2.75% APR36-59 Months   
 2.95% APR60-83 Months   
*Secured loans 72-83 months require a loan amount minimum of $15k.


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New Recreational Vehicles


Recreational vehicles include motorhomes, campers, boats, motorcycles, atv's, snowmobiles, jetskis, etc.
New = 2017, and 2016 or 2015 with less than 10,000 miles
  Loan Type  Rate (as low as)  Term 
New RV's1.95% APR0 - 35 MonthsCalculator  
 2.25% APR36-59 Months   
 2.45% APR60-83 Months   
 3.45% APR84 - 120 Months*   
*Secured loans 72-83 months require a loan amount minimum of $15k.
**Secured loans 84 months or greater require a loan amount minimum of $25k.
 

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Used Recreational Vehicles


Used = 2007 or newer
  Loan Type  Rate (as low as)  Term 
Used RV's2.45% APR0 - 35 Months   
 2.75% APR36-59 Months   
 2.95% APR60-83 Months   
 3.95% APR84-120 Months*   
*Secured loans 72-83 months require a loan amount minimum of $15k.
**Secured loans 84 months or greater require a loan amount minimum of $25k.

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Personal Loans


  Loan Type  Rate (as low as)  Term 
Personal Loan6.95% APR0 - 60 MonthsCalculator  

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Overdraft Protection Line of Credit


  Type  Fixed APR  Amount 
Overdraft Protection LOC15.00% APRLimits between $500 - $2,000   

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Home Equity Loans


Minimum Loan Amount of $5,000; Maximum Loan Amount of $250,000
  Loan Type  APR  Rate  Maximum Term  Maximum LTV 
Home Equity Fixed-Rate4.25%*4.25%60 Months80%Calculator  
 4.50%*4.50%120 Months80%   
 5.00%*5.00%180 Months80%   
 4.75%*4.75%60 Months90%   
 5.00%*5.00%120 Months90%   
 5.50%*5.50%180 Months90%   
Home Equity Line of Credit (HELOC)4.00%**Variable 90%   
* Annual Percentage Rate. Rates subject to change daily. Maximum 90% LTV. Free Closing Costs (some restrictions may apply). Membership eligibility required, including $5 minimum Share Account balance. Property insurance required. Flood insurance required when applicable.
**Introductory rate. Fixed for 6 months, then Prime-0.25% adjusted monthly. Prime is at 3.50% as of 12/17/2015, as published in the Wall Street Journal. Annual Percentage Rate may vary. Maximum APR is 18%. Minimum APR is 4%. Membership eligibility required, including $5 minimum Share Account balance. Property insurance required. Flood insurance required when applicable.

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Mortgage Rates


https://cusomortgagecorp.mortgagewebcenter.com/
  Mortgage Rates  Rate (as low as) 
 Please click on link above (in blue) for current rates   

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Visa Credit Cards

  VISA Credit Card  Rate (as low as) 
Unsecured Line6.90% APR*Calculator  
Secured Line4.90% APR**   
*The Unsecured VISA® interest rate is determined by credit score, and can be as low as 6.9% annual percentage rate, calculated at the periodic rate of .575% per month. The maximum interest rate is 17.9% annual percentage rate, calculated at the periodic rate of 1.492%.
**The Share Secured VISA® Finance Charge (interest) is calculated at the periodic rate of .408% per month, which is an Annual Percentage Rate of 4.9%. For a full disclosure contact Oxford Federal Credit Union.

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Deposit Rates

All rates are subject to change without notice, please check with your local office for current specials, rates and terms
APY is annual percentage yield

Savings Accounts


  Account Type  APY (as high as)  Minimum Opening Deposit 
Savings Accounts.15%$5.00Calculator  
Checking AccountN/A$0.00Calculator  
Club Accounts.15%$0.00   
IRA Shares.15%$0.00Calculator  
Money Market ($2,500-$25,000).20%$2,500Calculator  
Money Market (Over $25,000).25%$25,001Calculator  

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Share Certificates & IRA Certificates


  Account Type  APY (as high as)  Term  Minimum Opening Deposit 
3 Month Certificate.35%3 - 5 Months$500.00Calculator  
6 Month Certificate.55%6 - 11 Months$1000.00   
12 Month Certificate.80%12 - 23 Months$1000.00   
24 Month Certificate1.15%24 - 35 Months$1000.00   
36 Month Certificate1.40%36 - 47 Months$1000.00   
48 Month Certificate1.80%48 - 59 months$1000.00   
60 Month Certificate2.10%60 Months$1,000.00   
(1) Fees and withdrawals could reduce the earnings on accounts.
(2) A penalty may be imposed for early withdrawal.
(3) Compounding if any.
Jumbo ($95,000 and greater) Share Certificates & IRA Share Certificates rates are available by contacting 1.800.991.9219. Penalty may be imposed for early withdrawal

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ABOUT OXFORD FEDERAL CREDIT UNION

Oxford Federal Credit Union serves over 16,000 members at our convenient, full service locations in Mexico and Norway and via mobile, telephone and online banking. From checking to home loans, we have the products and services you need and want. If you live, work, worship or attend school in Oxford County, Maine you are eligible for membership at Oxford Federal Credit Union. We look forward to serving you, let's grow together!

GET IN TOUCH

Mexico Office:
225 River Road
Mexico, Maine 04257
Phone: 207.369.9976
Fax: 207.364.8962

Norway Office:
54 Fair Street
Norway, Maine 04268
Phone: 207.743.2638
Fax: 207.743.7138
Toll-free: 800.991.9219

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