Is it time to purchase a new home? First time homeowner, no problem. You're in luck, we have partnered with a professional mortgage company, Bank of England. They service the entire country and offer many types of mortgage loans. They can even help with the sale of your existing home, if you want to relocate. BOE Mortgage link is on our website, fill out the application and please don't forget to add us as your referral, so they know who to contact for any additional information. Have fun house shopping.

******************************************************************************************************************************************************  Summer Hours

Starting May 26th the credit union will close at 12:00 p.m. on Friday's during the summer months, please plan accordingly.

Thank you and have a wonderful summer, filled with fun and relaxation.

 

 

Apply for a Loan

Loan Rates Savings Rates Certificate and IRA Rates Credit Card

Effective as of: 7/1/2017
*All Loans, Additional .50% Without Direct Deposit Effective: 6/1/2017
Personal Loans
Loan TypeAnnual Percentage Rate Loan ConditionsApproximate Term or PaymentPayment per Thousand
Personal Unsecured:As Low AsMaximum Loan Amount is $15,000
12 Months 4.49% *With Direct DepositUp to 12 Months 12 Months $85.39 per thousand
24 Months6.49% *With Direct Deposit 24 Months $44.56 per thousand
25 to 60 Months8.49% *With Direct Deposit 60 Months $20.52 per thousand
61 to 72 Months10.49% *With Direct Deposit 72 Months $18.79 per thousand
73 to 84 Months11.49% *With Direct Deposit 84 Months at $17.39 per thousand
 
Boat Loans
Boat - New
90% Financing Up to 84 Monthsas low as 5.99%*With Direct DepositMaximum Amount $35,00084 Months $14.61 per thousand
Boat - Used
80% Financing Up to 60 Monthsas low as 6.99% *With Direct DepositMaximum Amount $20,00060 Months $19.80 per thousand
 
Auto Loans
New and Used Auto 2014 and Newer
A Plus - Minus.50% of AStandardPlus 1.00%Plus 2.50%Plus 5.00%Plus 9.00%
A PlusABCDE
730 and higher 680-729640-679600-639550-599549- LESS
Up to 60 months
2.99%3.49%4.49% 5.99%8.49%11.49%
100% MSRP or NADA Retail
.50% lower if on auto transfer
2.49%2.99%3.99%5.49%7.99%11.99%
72 Months
3.99%4.49%5.49%6.99%9.49%13.49%
.50% lower if on auto transfer
3.49%3.99%4.99%6.49%8.99%12.99%
 
Used Auto 2010-2013 48 months max
48 Months
4.75%5.25%6.25%7.75%10.25%14.25%
90% Financing MSRP NADA Retail
.50% lower if on auto transfer
4.25%4.75%5.75%7.25%9.75% 13.75%
 
 
Motor Cycle Loans
Motorcycles - New
90% Financing Up to 5 Yearsas low as 4.49% *With Direct Deposit60 Month Term$18.64 per thousand
Motorcycles - Used
80% Book Valueas low as 6.49% *With Direct Deposit60 Month Term$19.56 per thousand
Recreational Vehicle Loans
Recreational Vehicle - New
90% Financing Up to 84 Monthsas low as 5.99% *With Direct DepositMaximum Amount $30,00084 Months $14.61 per thousand
Recreational Vehicle - USED
80% Financing Up to 60 Monthsas low as 6.99% *With Direct DepositMaximum Amount $30,00060 Months $19.80 per thousand
Other Loans
Share Secured - 3.00% above current savings rate
Unsecured Adjustable Rate Line of Credit
11.50% Easy One Time Application!

Rate subject to change quarterly
Up to $10,000 Line of Creditmax. APR 18%
Home Improvement
6.50%UCC LienUp to 96 Months

Maximum Amount $25,000
60 Months $19.58 per thousand

96 Months $13.39 per thousand
Home Equity Line - - Property Insurance Required
Prime Rate 180 MONTHS Closing Cost $300.00 Variable Rate Adjusts Quarterly

Max. APR 18%
Fixed Rate Home Equity
5.00% APR
4.50% APR
4.00% APR
Closing Costs $300.00 15 Year Term
10 Year Term
5 Year Term
180 months-$7.91
120 months-$10.37
60 months-$18.42
per thousand
If an Equity Loan is secured by a First Lien on the Property, the Payments shown do not include amounts for Taxes and Insurance Premiums.
PROMOTIONS
Convert your HIGH interest credit cards to our LOW interest Visa Card! You will save money and lower your monthly payments - INSTANTLY!.
IMPORTANT INFORMATION
VACATION LOAN SPECIAL
As low as 5.49% for 24 months Apr 19-Jun 30, 2017

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You are leaving the credit union web site and linking to an alternate web site not operated by the credit union. The credit union is not responsible for the content of the alternate web site. The credit union does not represent either the third party or the member if the two enter into a transaction.

Privacy and security policies may differ from those practiced by the credit union.

Please Enter Ocean Spray Employees Federal Credit Union as the REFFERAL NAME when applying.


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