Loan Rates

As Of: 09/18/2017

Oshkosh Community Credit Union has adopted a “merit based” system for determining rates. This means the better your credit experience, the lower your rate. Unless otherwise noted, the rates below are the best available. Rates Subject to change at anytime. Some restrictions may apply.

New Vehicles, Motorcycles, Boats and Recreational
2012 & Newer
Base Rate (APR*) with Autopay with Direct Deposit & Autopay
Up to 100% of Purchase Price + Taxes & Fees
Up to 36 months
2.57%
2.32%
2.07%
Up to 48 months
2.57%
2.32%
2.07%
Up to 60 months
2.97%
2.72%
2.47%
Up to 72 months
3.97%
3.72%
3.47%
Up to 84 months
4.47%
4.22%
3.97%
Up to 120 months 
4.97%
4.72%
4.47%
2008 – 2011 Base Rate (APR*) with Autopay with Direct Deposit & Autopay
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees
Up to 24 months
3.54%
3.29%
3.04%
Up to 36 months
3.79%
3.54%
3.29%
Up to 48 months
4.04%
3.79%
3.54%
2003 – 2007 Base Rate (APR*) with Autopay with Direct Deposit & Autopay
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees
Up to 24 months
4.54%
4.29%
4.04%
Up to 36 months
4.79%
4.54%
4.29%
2002 & Older The Unsecured Rates & Terms with Vehicle Lien
*APR: Annual Percentage Rate 
 
◊ 2012 & Up Auto’s ♣ RV’s, 5th Wheels, Boats 
Unsecured / Personal Loans
Guideline Only Up to $10000 Up to $10000 Up to $10000
12 month
7.18%
6.93%
6.68%
24 month
7.43%
7.18%
6.93%
36 month
7.68%
7.43%
7.18%
48 month
7.93%
7.68%
7.43%
Note: Risk Based Pricing does not apply to the following loan types:
Kwik Cash Loans
15.00% APR
VISA Credit Card Classic
12.90% APR
VISA Credit Card Platinum
9.49% APR
CD Secured
3 points above current dividend rate
Savings Secured
3 points above current dividend rate
Discount of .25% with active autopay
Additional Discount of .25% with direct deposit & active autopay