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SUMMER HOURS

Monday-Thursday 9:00-4:00

Friday 9:00-1:00

Starting  Friday, May 25th  through  Friday,  August  31st

 

Loan Services

Fill out our online Loan Application below if you wish to borrow money or Call us! Our loan specialists will help you choose the best solution for all your borrowing needs.

  • New & Used Vehicle Loans
  • Recreational Vehicle Loans
  • Signature Loans
  • Share Secured Loans
  • Vacation Loans
  • Boat Loans
  • Unsecured Lines of Credit
  • Home Equity Loans
  • Home Improvement Loans

Ocean Spray Employees FCU provides a wide range of loan options to meet every member's financial needs. We combine the reliability and professionalism of large banks with a personal approach and fair services of small local lending companies. Fill out our online Loan Application if you wish to borrow money or contact us for a detailed explanation. Our loan specialists will help you choose the best solution for all your current needs.

New & Used Vehicle Loans

Make the vehicle you like the thing you can afford with Ocean Spray Employees FCU loan options for both new and used autos.

We offer:

  • Flexible terms up to 72 months;
  • Rates as low as 2,49% APR;
  • Up to 100% financing;
  • Fixed monthly payments;
  • No additional charges;
  • Online pre-qualifying.

Your new car is one application away from you!

Recreational Vehicle Loans

The road is calling for you! Our RV loans for new and used vehicles are here to help you start a new adventure or change your lifestyle.

We offer:

  • Maximum loan amount of $30,000;
  • Terms up to 84 months;
  • Interest rates of 5,99% APR;
  • 100% or less of the RV value;
  • Automatic payments;
  • Refinancing options.

Apply today and discover your best lending experience.

Bad Credit Loans

Your past financial mistakes are not a barrier to getting the support you need right here, right now. Our bad credit loans open up various opportunities for people with any credit rating.

We offer:

  • Loan amounts up to $5,000;
  • Terms up to 60 months;
  • Available with less than perfect credit score;
  • Equal monthly installments during the loan lifetime;
  • Competitive interests;
  • No additional charges and fees.

Ocean Spray Employees FCU is always of service to help you rebuild your financial stress.

Signature Loans

We know the value of our members and trust them first to get the same in return. There is no collateral needed to get the money you need to cover unexpected expenses.

We offer:

  • Borrowing up to $15,000;
  • Stress-free terms up to 84 months;
  • Rates as low as 4.99%;
  • Fast money deposit;
  • Online pre-application.

Get the money you need and spend it for any purpose without limits.

Mortgage

Don't wait for the right time that may never come. In Ocean Spray Employees FCU, we want to make today the day you purchase your new home.

We offer:

  • Up to 95% financing;
  • Competitive rates;
  • Term up to 240 months;
  • No additional fees;
  • Free consultations.

Let your dream of a new home become the one you can afford right now.

Share Secured Loans

Your savings may work on you just by being collateral. Use your account balance to reach your financial goals.

We offer:

  • Terms up to 36 months;
  • Money can be used for any purpose;
  • Up to 100% of your account balance financing is available;
  • No prepayment penalties;
  • Your balance will be available right after the loan is paid off.

Let your savings be the key to new opportunities.

Vacation Loans

Is it a vacation that you've dreamed about a lot? Don't let any circumstances come between you and your plans. Our vacation loans allow you to cover any expenses you may face while traveling.

We offer:

  • Terms up to 60 months;
  • Maximum loan amount of $35,000;
  • Rates as low as 4.5% APR;
  • Direct money transfer;
  • Fixed monthly payments.

Apply online today while packing your bags.

Student Loans

Your college degree may open up many financial opportunities for you. Let it be the best investment that will definitely pay off.

We offer:

  • Borrowing up to $12,500 annually;
  • Loan term up to 180 months;
  • Fixed interest rates as low as 3,5% APR;
  • Loyalty discounts.

Take a step toward your dream of what you want to be when you grow up with Ocean Spray Employees FCU financial assistance.

Boat Loans

You can afford more than you think. Ocean Spray Employees FCU provides both new and used marine vessel financing to help you make your dream come true.

We offer:

  • Maximum loan amount up to $35,000;
  • Term up to 84 months;
  • Rates as low as 5.99% APR;
  • Fast money transfer;
  • Automatic payments
  • No fees or down payment.

Are you ready to dive into boat financing? Apply today and take a step toward your new lifestyle.

Unsecured Lines of Credit

It is easy to always have some money on hand in case of unexpected expenses. Our unsecured lines of credit are a flexible solution with instant access to funds for all your personal needs.

We offer:

  • Borrowing up to $25,000;
  • Instant access to your money;
  • No collateral is required;
  • Ongoing credit to cover all your needs;
  • APR as low as 9%;
  • Easy application process.

Apply today and get financial assistance as close as your wallet is.

Home Equity Loans

Your home may help you reach all your financial goals. Want to renovate your bedroom, pay for education, consolidate debt, or start your own business? Use your house as collateral and get the money you need.

We offer:

  • Term up to 180 months;
  • Fixed rates as low as 4,5% APR;
  • Loan amount up to 75% of your real estate cost;
  • No additional fees.

Your home may be the key to many opportunities you shouldn't miss.

Home Improvement Loans

Put a new room in your home, purchase new furniture, or update a room in your home without financial stress. We are here to help you bring your renovation project to life.

We offer:

  • Term up to 96 months;
  • Loan amount up to $35,000;
  • Interests as low as 6.5% APR;
  • Direct money deposit;
  • Fast application process.

Apply now or contact us for any questions you may have.


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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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