OUR RATES

CONSUMER LOAN RATES

Rates effective September 1, 2026

LOAN TERMS & RATES
AUTOMOBILE RATES(1)	Max Term	Rates As Low As*	APR As Low As*
$25,000 and higher	Up to 72	5.24%	5.58%
$15,000 to $24,999	Up to 66	5.49%	5.86%
$10,001 to $14,999	Up to 60	6.50%	6.91%
$2,500 to $10,000	Up to 48	7.25%	7.76%
* APR: Annual Percentage Rate. The following example(s) reflect representative credit terms made available to applicants for a 72-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. No Salvage titles/ No Commercial vehicles, maximum amount we will finance is $125,000, and maximum mileage for vehicles is 125,000. Classic or Antique vehicles may require an appraisal, rates apply to vehicles that are 2022 or newer. Max LTV is 105% without including ancillary (GAP, Warranty, CL, AH), and lower than 85,000 miles. A 6-year fixed-rate car loan for $25,000 would have 72-monthly payments at $409.50.

Recreational Vehicles (1)
RVs/Campers (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.37%
Condition - New	67-84 Months	8.25%	8.50%
Condition - Used	0-66 Months	8.25%	8.63%
Condition - Used	67-84 Months	8.50%	8.81%
*APR: Annual Percentage Rate. The following example(s) reflect representative credit terms made available to applicants for a 66-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. No out of state private purchases. A five-and-a-half-year fixed-rate NEW RV loan of $25,000 would have 66-monthly payments of $473.93

Boats (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.37%
Condition - New	67-84 Months	8.25%	8.56%
Condition - Used	0-66 Months	8.25%	8.63%
Condition - Used	67-84 Months	8.50%	8.81%
*The following example(s) reflect representative credit terms made available to applicants for a 66-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. No boats over 25 feet in length. A five-and-a-half-year fixed-rate NEW boat loan of $25,000 would have 66-monthly payments of $473.93

Motorcycles (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.25%	8.95%
Condition - Used	60 Months	9.25%	9.95%
*APR: Annual Percentage Rate.The following example(s) reflect representative credit terms made available to applicants for a 60-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A NEW 5-year fixed rate-motorcycle loan of $15,000 would have 60-monthly payments of $310.94.

Jet Skis(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	66 Months	8.25%	8.89%
Condition - Used	60 Months	9.25%	9.95%
*APR: Annual Percentage Rate.The following example(s) reflect representative credit terms made available to applicants for a 66-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A NEW five-and-a-half fixed-rate jet ski loan of $15,000 would have 66-monthly payments of $288.49.

ATVs(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.99%	9.69%
Condition - Used	48 Months	9.25%	10.11
*APR: Annual Percentage Rate. The following example(s) reflect representative credit terms made available to applicants for a 60-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A 5-year fixed-rate ATV of $15,000 would have 60-monthly payments of $316.39.

Personal Loans(1)
Max Term	Rates As Low As*	APR As Low As*
0-36 Months	13.50%	14.65%
36-48 Months	13.99%	14.88%
49-60 Months	14.99%	15.73%
* The following example(s) reflect representative credit terms made available to applicants for a 36-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. Minimum loan amount of $2,500. A 3-year fixed-rate personal loan of $15,000 would have 36-monthly payments at $517.34.

Credit Cards(1)
Type	APR*
Rewards	10.99%APR
Cash Back	11.99%APR
Pledge Share	17.99%APR
*APR: Annual Percentage Rate. APR may range from 10.99% to 17.99% depending on your credit history; are variable and are based on WSJ Prime. APR will not exceed 17.99% and go beneath 10.99%. Standard balance transfers will not have a fee. Promotional fees may vary. Other fees may apply. Secured card requires 110% of the line to be held and a minimum deposit of $250.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%
* APR: Annual Percentage Rate. The following example(s) reflect representative credit terms made available to applicants for a 60-month term loan with a credit score of 760 and above. Loan will include a $245 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. 5-year fixed-rate personal loan of $24,999 would have 60-monthly payments at $439.83
(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. Equal Housing Lender. NMLS #413040