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 1.800.991.9219 for current rates.
New Auto Loans
New Autos = 2021, and 2019 or 2020 with less than 10,000 miles| Loan Type | Rate (as low as) | Term |
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| New Auto Loans | 2.29% APR | 0 - 35 Months | | |
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| New Auto Loans | 2.69% APR | 36-59 Months | | |
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| New Auto Loans | 3.19% APR | 60-83 months* | | |
*Secured loans 72-83 months require a loan amount minimum of $15k.
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Used Auto Loans
Used Autos = 2011 or Newer
| Loan Type | Rate (as low as) | Term |
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| Used Auto Loans | 2.49% APR | 0 - 35 Months | | |
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| Used Auto Loans | 2.89% APR | 36-59 Months | | |
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| Used Auto Loans | 3.39% APR | 60-83 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 = 2021, and 2019 or 2020 with less than 10,000 miles
| Loan Type | Rate (as low as) | Term |
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| New RV's | 2.29% APR | 0 - 35 Months | | |
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| New RV's | 2.69% APR | 36-59 Months | | |
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| New RV's | 3.19% APR | 60-83 Months | | |
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| New RV's | 3.99% 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.
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Used Recreational Vehicles
Used = 2011 or newer
| Loan Type | Rate (as low as) | Term |
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| Used RV's | 2.49% APR | 0 - 35 Months | | |
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| Used RV's | 2.89% APR | 36-59 Months | | |
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| Used RV's | 3.39% APR | 60-83 Months | | |
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| Used RV's | 4.19% 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.
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Personal Loans
Overdraft Protection Line of Credit
Home Equity Loans
Minimum Loan Amount of $5,000; Maximum Loan Amount of 350,000
| Loan Type | APR | Rate | Maximum Term | Maximum LTV |
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| Home Equity Fixed-Rate | 5.25%* | 5.25% | 60 Months | 80% | | |
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| Home Equity Fixed-Rate | 5.50%* | 5.50% | 120 Months | 80% | | |
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| Home Equity Fixed-Rate | 6.00%* | 6.00% | 180 Months | 80% | | |
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| Home Equity Fixed-Rate | 5.75%* | 5.75% | 60 Months | 90% | | |
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| Home Equity Fixed-Rate | 6.00%* | 6.00% | 120 Months | 90% | | |
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| Home Equity Fixed-Rate | 6.50%* | 6.50% | 180 Months | 90% | | |
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| 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 3.25% as of 03/16/2020, 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) |
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| Please click on link above (in blue) for current rates | | |
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Visa Credit Cards
| VISA Credit Card | Rate (as low as) |
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| Unsecured Line | 6.90% APR* | | |
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| 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.
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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 yieldSavings Accounts
Share Certificates & IRA Certificates
| Account Type | APY (as high as) | Term | Minimum Opening Deposit |
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| 3 Month Certificate | 0.15% | 3 - 5 Months | $500.00 | | |
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| 6 Month Certificate | 0.30% | 6 - 11 Months | $1000.00 | | |
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| 12 Month Certificate | 0.40% | 12 - 23 Months | $1000.00 | | |
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| 24 Month Certificate | 0.50% | 24 - 35 Months | $1000.00 | | |
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| 36 Month Certificate | 0.60% | 36 - 47 Months | $1000.00 | | |
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| 48 Month Certificate | 0.70% | 48 - 59 months | $1000.00 | | |
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| 60 Month Certificate | 0.85% | 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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