Our rebooted account for young adults is here!
We took the features of our Free4ME checking account and mixed them with some cool new benefits that were requested by members and created OFCU4U! We even selected the name for this refreshed account from suggestions we received from those members.
OFCU4U is a spending account specifically designed for young adults age 18-25. You'll have 24/7 access to your account anytime, anywhere - plus all the support you need along the way.
The Old
- Free contactless Visa debit card that can be linked to your smartphone for mobile payments
- Digital banking for 24/7 account management
- No monthly fees and no minimum balance
- Two overdraft fee refunds per year*
The New
- $50 bonus for opening an OFCU4U account
- Two ATM fee reimbursements per year*
- Reward for no overdrafts
- Banzai Rewards
You can open an account online, stop by an Oxford FCU branch or call us at 1.844.329.2070. Here's a handy list of what you will need.
*Per year means calendar year (January - December)
- To qualify for account opening bonus, member must enroll in digital banking, sign up for e-statements and have four debit card transactions within 30 days.
- Overdraft fee refunds and ATM fee reimbursements need to be requested by member.
- ATM fees are reimbursed up to $5.00 each. For 2025, the reimbursement period will be April 1-December 31.
myFirst Auto Loan
- To qualify for account opening bonus, member must enroll in digital banking, sign up for e-statements and have four debit card transactions within 30 days.
- Overdraft fee refunds and ATM fee reimbursements need to be requested by member.
- ATM fees are reimbursed up to $5.00 each. For 2025, the reimbursement period will be April 1-December 31.
- OFCU4U members with no overdrafts during the year* will be eligible to receive one of 50 $50 bonuses. Recipients will be randomly selected from all those that qualify. For 2025, the qualifying period will be April 1-December 31.
- Banzai Rewards are educational opportunities that will have their own individual requirements to qualify for the reward.
- Banzai Rewards are educational opportunities that will have their own individual requirements to qualify for the reward.
- All bonuses, reimbursements and Rewards will be reported to the IRS as interest income.
myFirst Auto Loan
We created an auto loan specifically for people who have never had one! Learn more.
Building Credit
Establishing credit takes time - up to a year - so it's a good idea to start as soon as you turn 18. Here are a few options.
Share Secured Visa Credit Card
Our Share Secured Visa has a spending limit tied to the funds you have secured in your OFCU Share/Savings account. Contact us if you would like to learn more.
Our Share Secured Visa has a spending limit tied to the funds you have secured in your OFCU Share/Savings account. Contact us if you would like to learn more.
Credit Builder Loan
Our Credit Builder loan holds the amount borrowed in your OFCU savings account while you make payments. At the end of the loan term you will have money to spend and credit history! Learn more.
myFirst Auto Loan
We created an auto loan specifically for people who have never had one. Learn more.
Oxford Federal Credit Union is a full-service financial institution serving members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York counties in Maine.