OUR RATES

CONSUMER LOAN RATES

Rates effective January 5th, 2026

LOAN TERMS & RATES
AUTOMOBILE RATES(1)	Max Term	Rates As Low As*	APR As Low As*
$25,000 and higher	Up to 72	5.75%	6.06%
$15,000 to $24,999	Up to 66	6.25%	6.59%
$10,001 to $14,999	Up to 60	6.50%	7.12%
$2,500 to $10,000	Up to 48	7.25%	8.41%
* 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 $225 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A 6-year fixed-rate car loan for $25,000 would have 72-monthly payments at $415.08.

Recreational Vehicles (1)
RVs/Campers (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.34%
Condition - New	67-84 Months	8.25%	8.53%
Condition - Used	0-66 Months	8.25%	8.60%
Condition - Used	67-84 Months	8.50%	8.78%
* 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 $225 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A 5-and-a-half-year fixed-rate RV loan of $25,000 would have 66-monthly payments at $473.56.

Boats (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	0-66 Months	7.99%	8.43%
Condition - New	67-84 Months	8.25%	8.53%
Condition - Used	0-66 Months	8.25%	8.60%
Condition - Used	67-84 Months	8.50%	8.78%
*

Motorcycles (1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.25%	8.83%
Condition - Used	60 Months	9.25%	9.89%
*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 $225 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 motorcycle loan of $15,000 would have 60-monthly payments at $310.53.

Jet Skis(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	66 Months	8.25%	8.83%
Condition - Used	60 Months	9.25%	9.89%
*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 $225 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A 5-and-a-half fixed-rate jetski loan of $15,000 would have 66-monthly payments at $287.74.

ATVs(1)	Max Term	Rates As Low As*	APR As Low As*
Condition - New	60 Months	8.99%	9.63%
Condition - Used	48 Months	9.25%	10.03
* 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 $225 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 loan of $15,000 would have 60-monthly payments at $315.53.

Personal Loans(1)
Max Term	Rates As Low As*	APR As Low As*
0-36 Months	13.50%	14.55%
36-48 Months	13.99%	14.80%
49-60 Months	14.99%	15.67%
* 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 $225 documentation fee and may not reflect the loan amount, term, APR, taxes, additional fees, and estimated payment for your loan. A 3-year fixed-rate personal loan of $15,000 would have 36-monthly payments at $516.66.

Credit Cards(1)
Type	Rates As Low As*
Rewards	10.99%
Cash Back	11.99%
Pledge Share	17.99%
* 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%
* 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 $225 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 personal loan of $24,999 would have 60-monthly payments at $458.89.
(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