Super Low Loan 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 = 2018, and 2017 or 2016 with less than 10,000 miles
Loan TypeRate (as low as)Term
New Auto Loans2.89% APR0 - 35 Months  
New Auto Loans3.19% APR36-59 Months  
New Auto Loans3.39% APR60-83 months*  
*Secured loans 72-83 months require a loan amount minimum of $15k.

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Used Auto Loans

Used Autos = 2008 or Newer
Loan TypeRate (as low as)Term
Used Auto Loans3.39% APR0 - 35 Months  
Used Auto Loans3.69% APR36-59 Months  
Used Auto Loans3.89% 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 = 2018, and 2017 or 2016 with less than 10,000 miles
Loan TypeRate (as low as)Term
New RV's2.89% APR0 - 35 Months  
New RV's3.19% APR36-59 Months  
New RV's3.39% APR60-83 Months  
New RV's4.39% 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 = 2008 or newer
Loan TypeRate (as low as)Term
Used RV's3.39% APR0 - 35 Months  
Used RV's3.69% APR36-59 Months  
Used RV's3.89% APR60-83 Months  
Used RV's4.89% 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 TypeRate (as low as)Term
Personal Loan7.45% APR0 - 60 Months  

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Overdraft Protection Line of Credit

TypeFixed APRAmount
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 TypeAPRRateMaximum TermMaximum LTV
Home Equity Fixed-Rate 4.75%*4.75%60 Months80%  
Home Equity Fixed-Rate5.00%*5.00%120 Months80%  
Home Equity Fixed-Rate5.50%*5.50%180 Months80%  
      
Home Equity Fixed-Rate5.25%*5.25%60 Months90%  
Home Equity Fixed-Rate5.50%*5.50%120 Months90%  
Home Equity Fixed-Rate6.00%*6.00%180 Months90%  
Home Equity Line of Credit (HELOC)4.75%**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 5.00% as of 06/19/2018, 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 RatesRate (as low as)
Please click on link above (in blue) for current rates  

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Visa Credit Cards

VISA Credit CardRate (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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Account 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 TypeAPY (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).55%$2,500  
Money Market (Over $25,000).70%$25,001  

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Share Certificates & IRA Certificates

Account TypeAPY (as high as)TermMinimum Opening Deposit
3 Month Certificate.60%3 - 5 Months$500.00  
6 Month Certificate1.20%6 - 11 Months$1000.00  
12 Month Certificate1.60%12 - 23 Months$1000.00  
24 Month Certificate2.00%24 - 35 Months$1000.00  
36 Month Certificate2.25%36 - 47 Months$1000.00  
48 Month Certificate2.45%48 - 59 months$1000.00  
60 Month Certificate2.60%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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