Oshkosh Community Credit Union

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Loan Rates

As Of: 10-17-2011

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/checking autopay	w/direct deposit & checking autopay
2009 & Newer Up to 100% of Purchase Price + Taxes & Fees
Up to 36 months	3.49%apr	3.24%apr	2.99%apr
Up to 48 months	3.74%apr	3.49%apr	3.24%apr
Up to 60 months	3.99%apr	3.74%apr	3.49%apr
Up to72 months	4.49%apr	4.24%apr	3.99%apr

Used Vehicles & Motorcycles	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2007 & 2008 Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees
Up to 36 months	4.19%apr	3.94%apr	3.69%apr
Up to 48 months	4.44%apr	4.19%apr	3.94%apr
Up to 60 months	4.69%apr	4.44%apr	4.19%apr

Used Vehicles & Motorcycles	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2005 & 2006 Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees
Up to 24 months	4.54%apr	4.29%apr	4.04%apr
Up to 36 months	4.69%apr	4.44%apr	4.19%apr
Up to 48 months	4.94%apr	4.69%apr	4.44%apr

Used Vehicles & Motorcycles	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2003 & 2004 Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees
Up to 24 months	4.94%apr	4.69%apr	4.44%apr
Up to 36 months	5.19%apr	4.94%apr	4.69%apr
Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees.

2001 to 2002 vehicles and motorcycles use unsecured rate and terms with vehicle lien.

RVs, Travel Trailers, 5th Wheels & Boats	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2003 & Newer Up to 100% of Purchase price + taxes & fees
Up to 60 months	5.74%apr	5.49%apr	5.24%apr
Up to 84 months	6.24%apr	5.99%apr	5.74%apr
Up to 120 months	6.99%apr	6.74%apr	6.49%apr

New Recreational Items- such as - ATV, snowmobiles, jet skiis & tow behind campers	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2009 & up Up to 100% of Purchase price + taxes & fees
Up to 24 months	4.24%apr	3.99%apr	3.74%apr
Up to 36 months	4.49%apr	4.24%apr	3.99%apr
Up to 48 months	4.74%apr	4.49%apr	4.24%apr
Up to 60 months	4.99%apr	4.74%apr	4.49%apr

Used Recreational Items- such as - ATV, snowmobiles, jet skiis & tow behind campers	Base Rate	w/checking autopay	w/direct deposit & checking autopay
2003 - 2008 Up to 90% NADA Retail Value or Asking price on Contract + Taxes and Fees
Up to 24 months	4.74%apr	4.49%apr	4.24%apr
Up to 36 months	4.99%apr	5.74%apr	4.49%apr
Up to 48 months	5.24%apr	4.99%apr	4.74%apr

Unsecured/Personal Loans	Base Rate	w/checking autopay	w/direct deposit & checking autopay
12 month	7.95%apr	7.70%apr	7.55%apr
24 month	8.20%apr	7.95%apr	7.70%apr
36 month	8.45%apr	8.20%apr	7.95%apr
48 month	8.70%apr	8.45%apr	8.20%apr

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	term- up to length of current CD 3%apy above account's CD rate - minimum 5%apr
Savings Secured	term up to 24 months 3%apy above actual share rate- minimum 5%apr
Discounts of .25%apr w/transfer of payment from checking, additional .25%apr with Direct Deposit.

Owner Occupied Mortgage Rates
As Of: 08-05-2010

	Base Rate
Fixed Rate- to 80%LTV (90% LTV-1% more)
5 Year	3.98%apr
7 Year	4.11%apr
10Year	4.04%apr
12 year	4.37%apr
15 Year	4.50%apr
1st Position Up to 80% LTV
3 year balloon	4.49%apr
5 year balloon	4.74% apr
7 year balloon	5.2 apr
2nd Position Up to 80% LTV
3 year balloon	4.74%apr
5 year balloon	4.74% apr
7 year balloon	5.49%apr
Vacant Lot/Land Parcel Equity Up to 80% LTV
3 year balloon	4.74%apr
5 year balloon	4.74% apr
7 year balloon	5.49%apr
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% APR = Annual Percentage Rate
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 $250,000 NCUA (National Credit Union Administration) a US government agency.
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