Loan Rates

All rates are subject to change without notice, please call for special promotions, rates and terms.

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New Auto Loans

New Autos = 2020, and 2019 or 2018 with less than 10,000 miles

Loan Type	Rate (as low as)	Term
New Auto Loans	2.29% APR	0 - 35 Months
New Auto Loans	2.79% APR	36-59 Months
New Auto Loans	3.29% APR	60-83 months*
*Secured loans 72-83 months require a loan amount minimum of $15k.  Return to top

Used Auto Loans

Used Autos = 2010 or Newer

Loan Type	Rate (as low as)	Term
Used Auto Loans	2.49% APR	0 - 35 Months
Used Auto Loans	2.99% APR	36-59 Months
Used Auto Loans	3.49% APR	60-83 Months
*Secured loans 72-83 months require a loan amount minimum of $15k.  Return to top

New Recreational Vehicles

Recreational vehicles include motorhomes, campers, boats, motorcycles, atv's, snowmobiles, jetskis, etc.
New = 2020, and 2019 or 2018 with less than 10,000 miles

Loan Type	Rate (as low as)	Term
New RV's	2.29% APR	0 - 35 Months
New RV's	2.79% APR	36-59 Months
New RV's	3.29% APR	60-83 Months
New RV's	4.09% APR	84 - 144 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 $30k.    Return to top

Used Recreational Vehicles

Used = 2010 or newer

Loan Type	Rate (as low as)	Term
Used RV's	2.49% APR	0 - 35 Months
Used RV's	2.99% APR	36-59 Months
Used RV’s	3.49% APR	60-83 Months
Used RV's	4.29% APR	84-144 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 $30k.  Return to top

Personal Loans

Loan Type	Rate (as low as)	Term
Personal Loan	5.99% APR	0 - 60 Months
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Overdraft Protection Line of Credit

Type	Fixed APR	Amount
Overdraft Protection LOC	15.00% APR	Limits 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-Rate	5.25%*	5.25%	60 Months	80%
Home Equity Fixed-Rate	5.50%*	5.50%	120 Months	80%
Home Equity Fixed-Rate	6.00%*	6.00%	180 Months	80%
Home Equity Fixed-Rate	5.75%*	5.75%	60 Months	90%
Home Equity Fixed-Rate	6.00%*	6.00%	120 Months	90%
Home Equity Fixed-Rate	6.50%*	6.50%	180 Months	90%
Home Equity Line of Credit (HELOC)	4.00%**	Variable		90%
* Annual Percentage Rate. Rates subject to change daily. Maximum LTV 90%. Free Closing Costs (some restrictions may apply). Membership eligibility required, including $5 minimum Share Account balance. Property insurance required. Flood insurance required when applicable. **Minimum APR is 4%.  Maximum APR is 18%.  Rate listed is the Introductory rate, fixed for 6 months, then Prime-0.25% adjusted monthly. Prime is at 3.25% as of 3/16/2020, as published in the Wall Street Journal. Annual Percentage Rate may vary.  Maximum LTV 90%.  Free Closing Costs (some restrictions may apply).  Membership eligibility required, including $5 minimum Share Account balance. Property insurance required. Flood insurance required when applicable.  Return to top

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 Line	6.90% APR*
Secured Line	4.90% 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.  Return to top

Account Rates

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

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APY is annual percentage yield

Savings Accounts

Account Type	APY (as high as)	Minimum Opening Deposit
Savings Accounts	0.10%	$5.00
Checking Account	N/A	$0.00
Club Accounts	0.10%	$0.00
IRA Shares	0.10%	$0.00
Money Market ($2,500-$25,000)	0.20%	$2,500
Money Market (Over $25,000 - $75,000)	0.25%	$25,000.01
Money Market (Over $75,000)	0.30%	$75,000.01
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Share Certificates & IRA Certificates

Account Type	APY (as high as)	Term	Minimum Opening Deposit
3 Month Certificate	0.35%	3 - 5 Months	$500.00
6 Month Certificate	0.50%	6 - 11 Months	$1000.00
12 Month Certificate	0.60%	12 - 23 Months	$1000.00
24 Month Certificate	0.70%	24 - 35 Months	$1000.00
36 Month Certificate	0.80%	36 - 47 Months	$1000.00
48 Month Certificate	0.90%	48 - 59 months	$1000.00
60 Month Certificate	1.10%	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  Return to top