Personal Loan Rates
Maximum of $20,000 per loan.
Available Discounts on Standard Rates:
-
A rate discount of .50% for payroll deduction of loan payments
-
A rate discount of .25% on personal loans for a new service you add with the Credit Union
-
(Eligible services include:VISA Card, Debit Card, Online Bill Pay, and Club Accounts)
-
A rate discount of .25% for members
who already have all eligible services.
Standard Rates for Personal Loans (with payroll deduction).
|
Credit Score |
24 Month
Rate |
36 Month
Rate |
48 Month
Rate |
60 Month
Rate |
|
730+ |
7.75 |
8.00 |
8.25 |
8.50 |
|
680-729 |
8.25 |
8.50 |
8.75 |
9.00 |
|
640-679 |
8.75 |
9.00 |
9.25 |
9.50 |
|
600-639 |
11.25 |
11.50 |
11.75 |
12.00 |
|
550-599 |
12.25 |
12.50 |
12.75 |
13.00 |
|
500-549 |
13.75 |
14.00 |
14.25 |
14.50 |
Debt Consolidation Rates--For Members who do not immediately meet debt ratio standards.
Note: We can consolidate your debt at lower rates if you meet credit score and debt ratio standards.
|
Credit Score |
24 Month
Rate |
36 Month
Rate |
48 Month
Rate |
60 Month
Rate |
|
730+ |
8.75 |
9.00 |
9.25 |
9.50 |
|
680-729 |
9.25 |
9.50 |
9.75 |
10.00 |
|
640-679 |
9.75 |
10.00 |
10.25 |
10.50 |
|
600-639 |
12.25 |
12.50 |
12.75 |
13.00 |
|
550-599 |
13.25 |
13.50 |
13.75 |
14.00 |
|
500-549 |
14.75 |
15.00 |
15.25 |
15.50 |
|
Protect Yourself From Identity Theft
If you have any suspicions that your personal or financial information has been compromised please call us as soon as possible. For more information about how to avoid identity theft and what to do if you believe you have been a victim of ID Theft click here.
Free Credit Reports.
For information and access to the only, official site authorized by the Federal Trade Commission: Click here
The Oswego Teachers Employees FCU will never ask you for sensitive information in an email, phone call or text message initiated by us. Do not respond to such inquiries as they may be the work of identity thieves.
|
Membership Eligibility
Eligibility for membership extends to all employees of the A.P.W., Central Square, Hannibal, Mexico, Oswego, Pulaski, Sandy Creek school districts, B.O.C.E.S. and the Oswego City Library. And that’s not all. Family members: mother, father, brother, sister, son, daughter, aunt, uncle, niece, nephew, grandmother, grandfather… are all eligible for membership in the Credit Union—Your Credit Union. We’d love to have your family become part of our family. Call us with any questions or email us for a membership application:info@oswegoteacherscu.org
N.C.U.A. Increases Deposit Insurance to $250,000.
This law is in effect until December of 2013. If you would like detailed information about depositor insurance, you may view NCUA's "Your Insured Funds." View Brochure |
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