Loan Rates

Oswego County Federal Credit Union Loan Product Addendum Effective 2/25/2023
All Rates Are Annual Percentage Rate (APR)

Unsecured Loan:

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
2022 & Newer 1-36 mos. 4.49% 5.49% 6.49% 8.49% 12.49% 16.49%
37-60 mos. 4.99% 5.99% 6.99% 8.99% 12.99% 16.99%
61-72 mos. 5.24%  6.24% 7.24% 9.24% 13.24% 17.24%
73-84 mos. 5.49% 6.49% 7.49% 9.49% 13.49% 17.49%
Used Autos/Motorcycles
2021-2019 1-36 mos. 4.99% 5.99% 6.99% 8.99% 12.99% 16.99%
37-60 mos. 5.24% 6.24% 7.24% 9.24% 13.24% 17.24%
61-72 mos. 5.49% 6.49% 7.49% 9.49% 13.49% 17.49%
2018-Older 1-36 mos. 6.74% 7.74% 8.74% 10.74% 14.74% 17.99%
37-48 mos. 6.99% 7.99% 8.99% 10.99% 14.99% 17.99%
2018-Older ($20,000 Minimum and less than 100,000 miles) 49-60 mos. 7.24% 8.24% 9.24% 11.24% 15.24% 17.99%
Rv/Camper/Boat/Offroad
2022-& Newer 1-48 mos. 4.20% 5.20% 6.20% 8.20% 12.20% 16.20%
49-96 mos. 4.70% 5.70% 6.70% 8.70% 12.70% 16.70%
97-120 mos. 5.20% 6.20% 7.20% 9.20% 13.20% 17.20%
2022 & Newer ($50,000 Minimum) 121-180 mos. 5.70% 6.70% 7.70% 9.70% 13.70% 17.70%
2021-2019 1-48 mos. 4.70% 5.70% 6.70% 8.70% 12.70% 16.70%
49-96 mos. 5.20% 6.20% 7.20% 9.20% 13.20% 17.20%
97-120 mos. 5.70% 6.70% 7.70% 9.70% 13.70% 17.70%
2021-2019 ($50,000 Minimum) 121-180 mos. 6.20% 7.20% 8.20% 10.20% 14.20% 17.99%
2018-Older 1-48 mos. 5.20% 6.20% 7.20% 9.20% 13.20% 17.20%
49-96 mos. 5.70% 6.70% 7.70% 9.70% 13.70% 17.70%
2018 & Older ($25,000 Minimum) 97-120 mos. 6.20% 7.20% 8.20% 10.20% 14.20% 17.99%
2018 & Older ($50,000 Minimum) 121-180 mos. 6.70% 7.70% 8.70% 10.70% 14.70% 17.99%

Home Equity Loans:

Home Equity Loans

Rate: Base +100 +200 +400 +800 +1200
1-60 mos. 4.75% 5.25% 5.75% 6.25% 6.75% 7.25%
61-120 mos. 5.25% 5.75% 6.25% 6.75% 7.25% 7.75%
121-180 mos. 5.75% 6.25% 6.75% 7.25% 7.75% 8.25%
Share Purchase Loans 9.9%
First Lien Equities will be 1.49% higher than the average prime rate offer published every Monday

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