Loan Rates

As Of: 01-07-2008

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
Base Rate
w/ auto pay and checking
w/ direct deposit or 20% down pmt
2004 to New
Up to 100% of Purchase Price + Taxes & Fees
Up to 36 months
6.26%
6.01%
5.76%
Up to 48 months
6.49%
6.24%
5.99%
Up to 60 months
6.74%
6.49%
6.24%
Up to72 months
7.24%
6.99%
6.74%
 
Used Vehicles & Motorcycles
Base Rate
w/ auto pay and checking
w/ direct deposit or 20% down pmt
2003 & 2002
Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees
Up to 36 months
6.94%
6.69%
6.44%
Up to 48 months
7.29%
7.04%
6.79%
Up to 60 months
7.49%
7.24%
6.99%
 
Older Used Vehicles & Motorcycles Base Rate w/ auto pay and checking w/ direct deposit or 20% down pmt
2001 & Older
Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees  
Up to 24 months
7.69%
7.44%
7.19%
Up to 36 months
7.94%
7.69%
7.44%

Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees  
 
New RVs, Travel Trailers, 5th Wheels, Boats Base Rate w/ auto pay and checking w/ direct deposit or 20% down pmt
2004 & Newer
Up to 100% of Purchase price + taxes & fees  
Up to 36 months and $10,000
6.72%
6.44%
6.19%
Up to 48 months and $10,000
6.94%
6.69%
6.69%
Up to 60 months and $10,000
7.29%
7.04%
6.79%
3 yr balloon
6.44%
6.19%
5.94%
5 yr balloon
7.29%
7.04%
6.79%
 
Used RVs, Travel Trailers, 5th Wheels, Boats Base Rate w/ auto pay and checking w/ direct deposit or 20% down pmt
2003 & below
Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees  
Up to 36 months and $10,000
6.99%
6.74%
6.49%
Up to 48 months and $10,000
7.24%
6.99%
6.74%
Up to 60 months and $10,000
7.29%
7.04%
6.79%
3 yr balloon
6.79%
6.54%
6.29%
5 yr balloon
7.29%
7.07%
6.79%
 
New Recreational Items- such as - ATV, snowmobiles, jet skiis & tow behind campers Base Rate w/ auto pay and checking w/ direct deposit or 20% down pmt
2005 & newer
Up to 100% of Purchase price + taxes & fees  
Up to 24 months
6.99%
6.74%
6.49%
Up to 36 months
7.24%
6.69%
6.97%
Up to 48 months
7.49%
7.24%
6.99%
Up to 60 months
7.74%
7.49%
7.24%
 
Used Recreational Items- such as - ATV, snowmobiles, jet skiis & tow behind campers Base Rate w/ auto pay and checking w/ direct deposit or 20% down pmt
2004 & older
Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees  
Up to 24 months
7.49%
7.24%
6.99%
Up to 36 months
7.74%
7.49%
7.24%
Up to 48 months
7.96%
7.71%
7.46%
 
Unsecured/Personal Loans Base Rate w/ auto pay and checking w/ direct deposit or down pmt
12 month
9.45%
9.20%
24 month
9.70%
9.45%
36 month
9.95%
9.70%
48 month
10.20%
9.95%
 
Note:
Risk Based Pricing does not apply to the following loan types:
Kwik Cash Loans
15.00%
VISA Credit Card Classic
12.90%
VISA Credit Card Platinum
9.49%
CD Secured
term- up to length of current CD 3% above account's CD rate - minimum 5%
Savings Secured
term up to 24 months 3% above actual rate- minimum 5%
Discounts of .25% w/ checking and auto pay, additional .25% w/ DD or 20% down


Owner Occupied Mortgage Rates
As Of: 02-11-2008

 
Base Rate
5 Year Fixed Rate
Up to 80% LTV  
1st Position
5.99%
2nd Position
6.24%
1st Position
Up to 80% LTV  
3 year balloon
5.74%
5 year balloon
6.24%
2nd Position
Up to 80% LTV  
3 year balloon
5.99%
5 year balloon
6.49%
Vacant Lot/Land Parcel Equity
Up to 80% LTV  
3 year balloon
5.99%
5 year balloon
6.49%
Home Equity Line-Of-Credit (Powerline)
 
80%LTV
Tied to Prime Rate - Changes Quarterly
Non-Owner Occupied
 
Non-Owner Occupied add 1.0%APR with a maximum LTV of 70%
Non-Owner Occupied add 2.0%APR with a maximum LTV of 80%
LTV=Loan to Value ratio. 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 above are the best available. Rates Subject to change at anytime. Some restrictions may apply.

Your saving federally insured to $100,000 NCUA (National Credit Union Administration) a  US government  agency.
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