Visa Credit Card Promotion - Starting in Feb - Apr 2017

NEW MEMBERS ARE WELCOMED

2 balance transfer promotions, from other credit cards (not OSEFCU card), to choose from:

 

  1.  0.00%APR with 4% balance transfer fee on balance transfers from 2/1/17-4/30/17.

    Transfers stay at 0.00% APR until day after your MAR 2018 billing cycle.

                                                                                                                                   Let us know which offer you prefer!

  2. 2.99%APR on balance transfer-no transfer fee from 2/1/17-4/30/17.

     Transfers stay at 2.99% APR until day after your SEP 2018 billing cycle.

     

     

Loan Rates

Loan Rates Savings Rates Credit Card

Effective as of: 2/1/2017
*All Loans, Additional .50% Without Direct Deposit Effective: 1/1/2017
Personal Loans
Loan Type Annual Percentage Rate Loan Conditions Approximate Term or Payment Payment per Thousand
Personal Unsecured: As Low As Maximum Loan Amount is $15,000
12 Months 4.49% *With Direct Deposit Up to 12 Months 12 Months $85.39 per thousand
24 Months 6.49% *With Direct Deposit 24 Months $44.56 per thousand
25 to 60 Months 8.49% *With Direct Deposit 60 Months $20.52 per thousand
61 to 72 Months 10.49% *With Direct Deposit 72 Months $18.79 per thousand
73 to 84 Months 11.49% *With Direct Deposit 84 Months at $17.39 per thousand
 
Boat Loans
Boat - New
90% Financing Up to 84 Months as low as 5.99% *With Direct Deposit Maximum Amount $35,000 84 Months $14.61 per thousand
Boat - Used
80% Financing Up to 60 Months as low as 6.99% *With Direct Deposit Maximum Amount $20,000 60 Months $19.80 per thousand
 
Auto Loans
New and Used Auto 2014 and Newer
A Plus - Minus.50% of A Standard Plus 1.00% Plus 2.50% Plus 5.00% Plus 9.00%
A Plus A B C D E
730 and higher 680-729 640-679 600-639 550-599 549- 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
5.99% 6.49% 7.49% 8.99% 11.49% 15.49%
90% Financing MSRP NADA Retail
.50% lower if on auto transfer
5.49% 5.99% 6.99% 8.49% 10.99% 14.99%
 
 
Motor Cycle Loans
Motorcycles - New
90% Financing Up to 5 Years as low as 4.49% *With Direct Deposit 60 Month Term $18.64 per thousand
Motorcycles - Used
80% Book Value as low as 6.49% *With Direct Deposit 60 Month Term $19.56 per thousand
Recreational Vehicle Loans
Recreational Vehicle - New
90% Financing Up to 84 Months as low as 5.99% *With Direct Deposit Maximum Amount $30,000 84 Months $14.61 per thousand
Recreational Vehicle - USED
80% Financing Up to 60 Months as low as 6.99% *With Direct Deposit Maximum Amount $30,000 60 Months $19.80 per thousand
Other Loans
Share Secured - 2.00% 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 Credit max. APR 18%
Home Improvement
6.50% UCC Lien Up 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
An electronic Loan Application is not available for our Equity and Mortgage products. Please call or email us at Credit_Union@oceanspray.com for an application or more information on the following: - Home Equity Loans - Home Improvement Loans - Mortgage Loans

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.


Continue Cancel

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.


Continue Cancel