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Loan Rates

   
 

Oswego County Federal Credit Union
Loan Product Addendum Effective 07/01/2014

Unsecured:

Loan Type Max. Amount Term Rate
Overdraft
$1000.00
n/a
13.9%


One Year Loan:

Rate: A + 730+
Rate: A
729-680
Rate: B 679-640
Rate: C
639-600
Rate: D
599-550
Rate: E
549-Lower
7.00%
8.00%
9.00%
10.00%
11.00%
12.00%


Personal:

Term
Rate: Base
+100
+200
+400
+800
+1200
13-24 mos.
8.00%
9.00%
10.00%
12.00%
16.00%
17.99%
25-36 mos.
9.00%
10.00%
11.00%
13.00%
17.00%
17.99%
37-48 mos.
10.50%
11.50%
12.50%
14.50%
17.99%
17.99%
49-60 mos.
11.50%
12.50%
13.50%
15.50%
17.99%
17.99%

 

Secured: Term: Rate:
Base
+100 +200 +400 +800 +1200
New Autos/Motorcycles
2013 & newer 1-36 mos. 2.75% 3.75% 4.75% 6.75% 10.75% 14.75%
37-60 mos. 3.25% 4.25% 5.25% 7.25% 11.25% 15.25%
61-72 mos. 3.75% 4.75% 5.75% 7.75% 11.75% 15.75%
Used Autos/Motorcycles
2012-2008 1-36 mos. 3.25% 4.25% 5.25% 7.25% 11.25% 15.25%
37-60 mos. 3.75% 4.75% 5.75% 7.75% 11.75% 15.75%
2007-older 1-36 mos. 5.25% 6.25% 7.25% 9.25% 13.25% 17.25%
37-48 mos. 5.75% 6.75% 7.75% 9.75% 13.75% 17.75%
Rv/Camper/Boat/Offroad
2013-& newer 1-48 mos. 6.25% 7.25% 8.25% 10.25% 14.25% 17.99%
49-96 mos. 6.75% 7.75% 8.75% 10.75% 14.75% 17.99%
97-120 mos. 7.25% 8.25% 9.25% 11.25% 15.25% 17.99%
2012-2008 1-48 mos. 7.25% 8.25% 9.25% 11.25% 15.25% 17.99%
49-96 mos. 7.75% 8.75% 9.75% 11.75% 15.75% 17.99%
97-120 mos. 8.25% 9.25% 10.25% 12.25% 16.25% 17.99%
2007-older 1-48 mos. 8.25% 9.25% 10.25% 12.25% 16.25% 17.99%
49-96 mos. 8.75% 9.75% 10.75% 12.75% 16.75% 17.99%

Home Equity Loans:

Term
Base
+50
+100
+150
+200
+250
1-60 mos.
6.00%
6.50%
7.00%
7.50%
8.00%
8.50%
61-120 mos.
6.50%
7.00%
7.50%
8.00%
8.50%
9.00%
121-180 mos.
7.00%
7.50%
8.00%
8.50%
9.00%
9.50%

First Lien Equities will be 1.49% higher than the average prime rate offer published every Monday

Loan Limits- Unsecured:

A+

A

B & C

D & E

up to 4 months gross monthly income *must be approved by VP or CEO*

up to 3 months gross monthly income

up to 2 month gross monthly income

up to 1 month gross monthly income

 

   
       

 

 
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300 W. 1st St.
Oswego
326-0138
rule 90 E. Bridge St.
Oswego
343-7822
rule 5828 Scenic Ave.
(Route 3), Mexico
963-2722
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Oswego County
Federal Credit Union