Loan Rates

Oswego County Federal Credit Union Loan Product Addendum Effective 01/19/2017
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
2016 & Newer 1-36 mos. 2.00% 3.00% 4.00% 6.00% 10.00% 14.00%
37-60 mos. 2.50% 3.50% 4.50% 6.50% 10.50% 14.50%
61-72 mos. 3.00% 4.00% 5.00% 7.00% 11.00% 15.00%
Used Autos/Motorcycles
2015-2011 1-36 mos. 2.50% 3.50% 4.50% 6.50% 10.50% 14.50%
37-60 mos. 3.00% 4.00% 5.00% 7.00% 11.00% 15.00%
2010-Older 1-36 mos. 4.50% 5.50% 6.50% 8.50% 12.50% 16.50%
37-48 mos. 5.00% 6.00% 7.00% 9.00% 13.00% 17.00%
Rv/Camper/Boat/Offroad
2016-& 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%
2015-2011 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%
2010-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%
Share Purchase Loans 9.9%
First Lien Equities will be 1.49% higher than the average prime rate offer published every Monday

Loan Limits - Unsecured:
A+ — Up to 4 months gross monthly income *must be approved by VP or CEO*
A — Up to 3 months gross monthly income
B & C Up to 2 month gross monthly income
D & E — Up to 1 month gross monthly income

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