Loan Rates

Oswego County Federal Credit Union Loan Product Addendum Effective 07/01/2021
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
2020 & Newer 1-36 mos. 1.99% 2.99% 3.99% 5.99% 9.99% 13.99%
37-60 mos. 2.49% 3.49% 4.49% 6.49% 10.49% 14.49%
61-72 mos. 2.74% 3.74% 4.74% 6.74% 10.74% 14.74%
Used Autos/Motorcycles
2019-2017 1-36 mos. 2.49% 3.49% 4.49% 6.49% 10.49% 14.49%
37-60 mos. 2.74% 3.74% 4.74% 6.74% 10.74% 14.74%
2016-Older 1-36 mos. 4.49% 5.49% 6.49% 8.49% 12.49% 16.49%
37-48 mos. 4.74% 5.74% 6.74% 8.74% 12.74% 16.74%
             
Rv/Camper/Boat/Offroad
2020-& Newer 1-48 mos. 3.70% 4.70% 5.70% 7.70% 11.70% 15.70%
49-96 mos. 4.20% 5.20% 6.20% 8.20% 12.20% 16.20%
97-120 mos. 4.70% 5.70% 6.70% 8.70% 12.70% 16.70%
2020 & Newer ($50,000 Minimum) 121-180 mos. 5.20% 6.20% 7.20% 9.20% 13.20% 17.20%
2019-2017 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%
2019-2017 ($50,000 Minimum) 121-180 mos. 5.70% 6.70% 7.70% 9.70% 13.70% 17.70%
2016-Older 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%
2016 & Older ($25,000 Minimum) 97-120 mos. 5.70% 6.70% 7.70% 9.70% 13.70% 17.70%

Home Equity Loans:

Home Equity Loans

Rate: Base +100 +200 +400 +800 +1200
1-60 mos. 3.50% 4.00% 4.50% 5.00% 5.50% 6.00%
61-120 mos. 4.00% 4.50% 5.00% 5.50% 6.00% 6.50%
121-180 mos. 4.50% 5.00% 5.50% 6.00% 6.50% 7.00%
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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