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Personal / Home improvement loans


Our personal loan is almost always a better way to finance your needs than other options such as credit card or bank loans. Call or stop in. You can always fill out an application at home then fax or mail it to us.


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Personal Loan Details

  • Terms up to 60 months: That helps keep payments affordable on larger loan amounts
  • Competitive fixed rates: Your rate and payment remain the same for the life of your loan
  • Purpose: Use for nearly any purpose


Home Improvement Loan - An unsecured loan

  • Terms up to 60 months: That helps keep payments affordable on larger loan amounts
  • Competitive fixed rates: Your rate and payment remain the same for the life of your loan
  • Low APR: For an unsecured loan
  • No Fees: No closing costs or application fees
  • Quick turnaround: Our easy process means receiving funds in as little as a day


Savings-Secured Loan Benefits

  • Preserve your hard-earned savings
  • Borrow against your OTEFCU Savings Account balance
  • Low interest rates
  • Affordable way to build or rebuild credit