OUR RATES

CONSUMER LOAN RATES

Rates effective October 1, 2024

LOAN TERMS & RATES
AUTOMOBILE RATES(1)	Max Term	Rates As Low As*	APR As Low As*
$25,000 and higher	Up to 72	6.25%	6.49%
$15,000 to $24,999	Up to 66	6.50%	6.76%
$10,001 to $14,999	Up to 60	7.25%	7.74%
$2,500 to $10,000	Up to 48	7.50%	8.41%
* Rate example: 6.497% APR based on $25,000 amount financed for 72 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $417.31

Recreational Vehicles (1)
RVs/Campers (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.16%
Condition - New	67-84 Months	8.25%	8.38%
Condition - Used	0-66 Months	8.25%	8.42%
Condition - Used	67-84 Months	8.50%	8.63%
* Rate example: 8.16% APR based on $40,000 amount financed for 66 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $750.99.

Boats (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.16%
Condition - New	67-84 Months	8.25%	8.38%
Condition - Used	0-66 Months	8.25%	8.42%
Condition - Used	67-84 Months	8.50%	8.63%
* Rate example: 8.16% APR based on $40,000 amount financed for 66 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $750.99.

Motorcycles (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.25%	8.62%
Condition - Used	60 Months	9.25%	9.62%
* Rate example: 8.43% APR based on $20,000 amount financed for 60 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $407.95.

Jet Skis(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	66 Months	8.25%	8.42%
Condition - Used	60 Months	9.25%	9.43%
* Rate example: 8.42% APR based on $40,000 amount financed for 66 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $756.03.

ATVs(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.99%	9.17%
Condition - Used	48 Months	9.25%	9.48%
* Rate example: 9.17% APR based on $40,000 amount financed for 60 months including a maximum loan documentation fee total of $230.00 will have monthly payment of $830.28.

Personal Loans(1)
Max Term	Rates As Low As*	APR As Low As*
0-36 Months	13.50%	14.32%
36-48 Months	13.99%	14.63%
49-60 Months	14.99%	15.52
* Rate example: 14.32% APR based on $15,000 amount financed for 36 months including a maximum loan documentation fee total of $175.00 will have monthly payment of $508.73

Credit Cards(1)
Type	Rates As Low As*
Rewards	10.99%
Cash Back	11.99%
Pledge Share	8.99%
* Subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility.

Pledge Share Loans(1)
Max Term	Rates As Low As*
0-60 Months	Depository Rate + 1.75%
61-120 Months	Depository Rate + 3.00%
* Rate example: 2.016% APR based on $24,999 amount financed for 60 months including a maximum loan documentation fee total of $160.00 will have monthly payment of $435.58
(1) All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility. OC Federal Credit Union may discontinue or modify offers without notice. OC Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. NMLS #413040