Personal Loans

Home Improvement Loans

Our Home Improvement Loans can give you the money you need to finance minor beautification projects or major renovations.

Apply For A Home Improvement Loan!

Share Secured Loans

Our Share Secured Loans allow you to borrow the money you need at the low rate of 3.0%, because the loan is secured by your shares in Oswego County FCU.

Apply For A Share Secured Loan!

Signature Loans

When you need a little cash for a specific purpose, an Oswego County FCU Signature Loan may be the solution.

Apply For A Signature Loan!

Loan Pre-Approval

Let us know the purpose and amount and we will pre-approve the loan so you can shop and negotiate with peace of mind, knowing you have the commitment to finance your purchase.

Apply For Loan Pre-Approval!

Direct Deposit/Payroll Deduction

Both of these free services allow you to automatically make payment on your loan without the hassle of writing a check each month.

Apply For Direct Deposit/Payroll Deduction!

Life and Temporary Disability Insurance

This low-cost insurance is available to pay the balance of the loan in the event of death, or monthly payments in the event the borrower is disabled and is not capable of working

Loan Rates

Our rates on loans will be based on a members credit score, so better the score the lower the interest rate.

Loan Rates

Signature Loans

Signature loans up to $10,000 with loan terms up to 48 months and repayment rates as low as 7%
(longer terms with slightly higher rates are available)
(maximum $10,000 unsecured loan)

Share secured loan with a repayment rate at 3% higher than what the pledged shares are earning.