Loan Rates

Oswego County Federal Credit Union Loan Product Addendum Effective 02/01/2019
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
2018 & Newer 1-36 mos. 2.95% 3.95% 4.95% 6.95% 10.95% 14.95%
37-60 mos. 3.45% 4.45% 5.45% 7.45% 11.45% 15.45%
61-72 mos. 3.95% 4.95% 5.95% 7.95% 11.95% 15.95%
Used Autos/Motorcycles
2017-2013 1-36 mos. 3.45% 4.45% 5.45% 7.45% 11.45% 15.45%
37-60 mos. 3.95% 4.95% 5.95% 7.95% 11.95% 15.95%
2012-Older 1-36 mos. 5.45% 6.45% 7.45% 9.45% 13.45% 17.45%
37-48 mos. 5.95% 6.95% 7.95% 9.95% 13.95% 17.95%
Rv/Camper/Boat/Offroad
2018-& Newer 1-48 mos. 6.50% 7.50% 8.50% 10.50% 14.50% 17.99%
49-96 mos. 7.00% 8.00% 9.00% 11.00% 15.00% 17.99%
97-120 mos. 7.50% 8.50% 9.75% 11.50% 15.50% 17.99%
2017-2013 1-48 mos. 7.50% 8.50% 9.50% 11.50% 15.50% 17.99%
49-96 mos. 8.00% 9.00% 10.00% 12.00% 16.00% 17.99%
97-120 mos. 8.50% 9.50% 10.50% 12.50% 16.50% 17.99%
2012-Older 1-48 mos. 8.50% 9.50% 10.50% 12.50% 16.50% 17.99%
49-96 mos. 9.00% 10.00% 11.00% 13.00% 17.00% 17.99%

Home Equity Loans:

Home Equity Loans

Rate: Base +100 +200 +400 +800 +1200
1-60 mos. 4.00% 4.50% 5.00% 5.50% 6.00% 6.50%
61-120 mos. 4.50% 5.00% 5.50% 6.00% 6.50% 7.00%
121-180 mos. 5.00% 5.50% 6.00% 6.50% 7.00% 7.50%
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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