Oswego County Federal Credit Union Loan Product Addendum Effective 03/07/2025
All Rates Are Annual Percentage Rate (APR)
Overdraft Line of Credit:
| 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 Loan:
| 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% |
Vehicle Loans:
| Secured: | Term: | Rate: Base |
+100 | +200 | +400 | +800 | +1200 |
|---|
| New Autos/Motorcycles | |||||||
|---|---|---|---|---|---|---|---|
| 2024 & Newer | 1-36 mos. | 6.24% | 7.24% | 8.24% | 10.24% | 14.24% | 17.99% |
| 37-60 mos. | 6.74% | 7.74% | 8.74% | 10.74% | 14.74% | 17.99% | |
| 61-72 mos. | 6.99% | 7.99% | 8.99% | 10.99% | 14.99% | 17.99% | |
| 73-84 mos. | 7.49% | 8.49% | 9.49% | 11.49% | 15.49% | 17.99% | |
| Used Autos/Motorcycles | |||||||
|---|---|---|---|---|---|---|---|
| 2023-2021 | 1-36 mos. | 6.74% | 7.74% | 8.74% | 10.74% | 14.74% | 17.99% |
| 37-60 mos. | 7.24% | 8.24% | 9.24% | 11.24% | 15.24% | 17.99% | |
| 61-72 mos. | 7.49% | 8.49% | 9.49% | 11.49% | 15.49% | 17.99% | |
| 2020-Older | 1-36 mos. | 8.24% | 9.24% | 10.24% | 12.24% | 16.24% | 17.99% |
| 37-48 mos. | 8.49% | 9.49% | 10.49% | 12.49% | 16.49% | 17.99% | |
| 2020-Older ($20,000 Minimum and less than 100,000 miles) | 49-60 mos. | 8.74% | 9.74% | 10.74% | 12.74% | 16.74% | 17.99% |
| Rv/Camper/Boat/Offroad | |||||||
|---|---|---|---|---|---|---|---|
| 2024 & Newer | 1-48 mos. | 6.20% | 7.20% | 8.20% | 10.20% | 14.20% | 17.99% |
| 49-96 mos. | 6.70% | 7.70% | 8.70% | 10.70% | 14.70% | 17.99% | |
| 97-120 mos. | 7.20% | 8.20% | 9.20% | 11.20% | 15.20% | 17.99% | |
| 2024 & Newer ($50,000 Minimum) | 121-180 mos. | 7.70% | 8.70% | 9.70% | 11.70% | 15.70% | 17.99% |
| 2023-2021 | 1-48 mos. | 6.95% | 7.95% | 8.95% | 10.95% | 14.95% | 17.99% |
| 49-96 mos. | 7.45% | 8.45% | 9.45% | 11.45% | 15.45% | 17.99% | |
| 97-120 mos. | 7.95% | 8.95% | 9.95% | 11.95% | 15.95% | 17.99% | |
| 2023-2021 ($50,000 Minimum) | 121-180 mos. | 8.45% | 9.45% | 10.45% | 12.45% | 16.45% | 17.99% |
| 2020-Older | 1-48 mos. | 7.45% | 8.45% | 9.45% | 11.45% | 15.45% | 17.99% |
| 49-96 mos. | 7.95% | 8.95% | 9.95% | 11.95% | 15.95% | 17.99% | |
| 2020 & Older ($25,000 Minimum) | 97-120 mos. | 8.45% | 9.45% | 10.45% | 12.45% | 16.45% | 17.99% |
| 2020 & Older ($50,000 Minimum) | 121-180 mos. | 8.95% | 9.95% | 10.95% | 12.95% | 16.95% | 17.99% |
Home Equity Loans:
|
Home Equity Loans |
Rate: Base | +50 | +100 | +150 | +200 | +250 |
|---|---|---|---|---|---|---|
| 1-60 mos. | 5.99% | 6.49% | 6.99% | 7.49% | 7.99% | 8.49% |
| 61-120 mos. | 6.49% | 6.99% | 7.49% | 7.99% | 8.49% | 8.99% |
| 121-180 mos. | 6.99% | 7.49% | 7.99% | 8.49% | 8.99% | 9.49% |
Share Purchase Loans 9.9%
First Lien Equities will be 1.49% higher than the average prime rate offer published every Monday
First Lien Equities will be 1.49% higher than the average prime rate offer published every Monday
