Oswego Teachers' Employees Federal Credit Union

                                   

 

3.99% New Auto Loans. Limited time. Take the hassle out of getting a great rate. 48 months maximum term. 

60 Month loan rate is 4.25%. Credit score greater than 640. Cars, light trucks and motorcycles only. (Standard rates and discounts apply in all other cases. This special offer does not include RVs, Boats, and ATVs).

If you don't qualify for the 3.99% and 4.25% special offers, we will discount the standard rates below by 1.25% for a limited time.

 30-day pre-approval available so you can lock your rate before you shop. These rates are subject to change at any time.

 

 

Available Discounts on Standard Rates:

  • A rate discount of .50% for payroll deduction of loan payments
  • A rate discount of .25% for new services 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.  

New Vehicle Loan Rates

·         Includes Trucks, SUVs, RVs, Boats and Motorcycles

·         “New” is no older than 2 model years and must have less than 6,000 miles

·         100% financing available

 

 

Standard Rates for New Vehicles

Credit Score

36 Month Rate

48 Month

Rate

60 Month

Rate

72 Month

Rate

84 Month

Rate

96 Month

Rate

120 Month Rate

730+

5.25

5.50

5.75

6.25

7.00

7.50

8.00

680-739

5.75

6.00

6.25

6.75

7.50

8.00

8.50

640-679

6.25

6.50

6.75

7.75

8.00

8.50

9.00

600-639

8.75

9.00

9.25

10.25

10.50

11.00

11.50

550-599

9.75

10.00

10.25

11.25

11.50

12.00

12.50

501-549

11.25

11.50

11.75

12.75

13.00

13.50

14.00

Rates exceeding 72 months are not available for autos or light trucks.

Rates may be affected by the amount borrowed. Call for further information.

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

 

Oswego Teachers’ Employees Federal Credit Union
113 West Albany Street  
PO Box 878
Oswego, New York  13126
315-342-4574 or 800-537-3084