As Of: 12/20/2022

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.

VEHICLES, MOTORCYCLES, BOATS AND RECREATIONAL
2017 & Newer Monthly Payment per $1000  Base Rate (APR*) with Direct Deposit & Autopay**
Up to 100% of Purchase Price + Taxes & Fees
Up to 36 months $29.84 4.73% 4.23%
Up to 48 months $22.90 4.73% 4.23%
Up to 60 months $18.86 4.98% 4.48%
Up to 72 months $16.32 5.48% 4.98%
Up to 84 months $14.83 6.48% 5.98%
Up to 120 months $11.85 7.48% 6.98%
2013 – 2016 Monthly Payment per $1000  Base Rate (APR*) with Direct Deposit & Autopay**
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees
Up to 24 months $44.31 5.98% 5.48%
Up to 36 months $30.52 6.23% 5.73%
Up to 48 months $23.70 6.48% 5.98%
2008 – 2012 Monthly Payment per $1000  Base Rate (APR*) with Direct Deposit & Autopay**
Up to 100% NADA Retail Value or asking price on Contract + Taxes and Fees
Up to 24 months $44.86 7.21% 6.71%
Up to 36 months $31.08 7.46% 6.96%
                                                                                          
2007 & Older the Unsecured Rates & Terms with Vehicle Lien
UNSECURED/PERSONAL LOANS
Up to $10,000 (Guideline Only) Monthly Payment per $1000 Base Rate (APR*) with Direct Deposit & Autopay**
12 month $87.31 8.70% 8.20%
24 month $45.66 8.95% 8.45%
36 month $31.89 9.20% 8.70%
48 month $25.09 9.45% 8.95%
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
Share Certificate Secured 3 points above current dividend rate
Savings Secured 3 points above current dividend rate
 

*APR = Annual Percentage Rate

**Discount of .25% with active autopay.  Additional discount of .25% with direct deposit & active autopay.