Loan Rates
| New Autos | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Nominal Rate | APR* | Notes |
| 2019 & Newer ‡ | |||
| up to 72 Months | 2.99% | 3.19% | |
| 73-84 Months | 3.99% | 4.14% | |
* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details.
‡ Automobiles titled lass than 12 months and having less that 15,000 miles are eligible for New Auto Loan Rates.
| Used Autos | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Nominal Rate | APR* | Notes |
| 2018 & Newer | |||
| up to 72 Months | 2.99% | 3.23% | |
| 73-84 Months | 3.99% | 4.16% | |
| 2015-2017 | |||
| up to 60 Months | 2.99% | 3.38% | |
| 2013-2014 | |||
| up to 48 Months | 2.99% | 3.57% | |
| 2011-2012 | |||
| up to 48 Months | 3.99% | 4.72% | |
| 2010 & Older | |||
| up to 48 Months | 4.99% | 5.87% | |
* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details.
College Graduate Auto Program Effective Date: Thursday, February 20th, 2020 For recent college graduates who are employable but do not yet have a job.
Term Nominal Rate APR* Notes
New Auto - 2019 & Newer‡
up to 72 Months
3.99%
4.23%
Used Auto - 2018 & Newer
up to 72 Months
3.99%
4.23%
Used Auto - 2015-2017
up to 60 Months
3.99%
4.39%
Used Auto - 2013-2014
up to 48 Months
3.99%
4.58%
Used Auto - 2011-2012
up to 48 Months
4.99%
5.73%
Used Auto - 2010 & Older
up to 48 Months
5.99%
6.89%
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* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details.
‡ Automobiles titled lass than 12 months and having less that 15,000 miles are eligible for New Auto Loan Rates.
| Boat & RV Rates | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Nominal Rate | APR* | Notes |
| New Boat - 2019 & Newer | |||
| 180 Months | 4.00% | 4.03% | Up to $100,000 |
| 120 Months | 4.50% | 4.58% | |
| 72 Months | 5.00% | 5.17% | |
| Used Boat - 2011 & Newer | |||
| 180 Months | 4.50% | 4.53% | Up to $100,000 |
| 120 Months | 5.00% | 5.08% | |
| 72 Months | 5.50% | 5.67% | |
| New Recreational Vehicle - 2019 & Newer | |||
| 180 Monts | 4.00% | 4.03% | Up to $150,000 |
| 120 Months | 4.50% | 4.58% | |
| 72 Months | 5.00% | 5.17% | |
| Used Recreational Vehicle - 2011 & Newer | |||
| 180 Months | 4.50% | 4.53% | Up to $100,000 |
| 120 Months | 5.00% | 5.08% | |
| 72 Months | 5.50% | 5.67% | |
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* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Boat & RV Loan Rates disclosure for more details.
| Motorcycle Rates | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Nominal Rate | APR* | Notes |
| New Motorcycle - 2019 & Newer | |||
| up to 60 Months | 4.49% | 4.85% | No down payment required |
| Used Motorcycle - 2011 & Newer | |||
| up to 60 Months | 4.99% | 5.35% | No down payment required |
| New Other Titled - 2019 & Newer (ATVs, Personal Watercraft, Trailers, etc.) | |||
| up to 60 Months | 5.75% | 6.23% | No down payment required |
| New Other Titled - 2011 & Newer (ATVs, Personal Watercraft, Trailers, etc.) | |||
| up to 60 Months | 6.25% | 6.73% | No down payment required |
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* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Motorcycle Loan Rates disclosure for more details.
| Consumer Loan Rates | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Nominal Rate | APR* | Notes |
| Shared Secured | |||
| up to 84 Months | 5.00% | 5.25% | Loans up to 95% of Pledged Shares. Prime Rate +0%. This rate may vary. Refer to loan agreement for rate calculation. |
| VISA Platinum Card | |||
| ---- | Various | Learn More | |
| Personal Term Loan | |||
| up to 60 Months | 7.99% | 8.20% | |
| Personal Line-of-Credit | |||
| N/A | 14.50% | 14.50% | |
* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Consumer Loan Rates disclosure for more details.
| Student Loans |
| Effective Date: Thursday, February 20th, 2020 |
| Student Loan Refinance |
| CLICK HERE for current rates and online application. |
| Mortgage Loan Rates | |||
| Effective Date: Thursday, February 20th, 2020 | |||
| Term | Rate* | Annual Percentage APR†† | Notes |
| Home Equity - Line of Credit (Variable Rate) Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.) | |||
| 20 Year Max. | 4.24% | 4.24% | Loan to Value† <=80% Prime Rate +0.00% (Minimum Rate of 3.25%) This rate may vary. |
| 20 Year Max. | 4.75% | 4.75% | Loan to Value† > 80% and <= 85% Prime Rate +0.50% (Minimum Rate of 3.25%) This rate may vary. |
| 20 Year Max. | 5.25% | 5.25% | Loan to Value† > 85% and <= 90% Prime Rate +1.00% (Minimum Rate of 3.25%) This rate may vary. |
| Home Equity - Line of Credit (Fixed Rate) Fixed Rate | |||
| 15 Year Max. | 4.99% | 4.99% | Loan to Value† <=80% $10,000 Required Initial Draw |
| Non-Owner Occupied - Home Equity Line of Credit Variable Rate (Based on Prime Rate + a margin). Refer to loan agreement for rate calculation.) | |||
| 20 Year Max. | 7.75% | 7.75% | Loan to Value† <=65% Prime Rate + 3.00% (Minimum Rate of 3.25%) This rate may vary. |
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* The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit.
† Loan to Value equals the percentage rate of the value of the house less any first mortgage.
†† APR = Annual Percentage Rate is based on a $100,000 loan.
| First Mortgages |
| Effective Date: Thursday, February 20th, 2020 |
| Various Fixed and Adjustable Rate Mortgages 180-Day Rate Lock Available |
| Contact 24-Hour Loan Application Department 1-800-552-6328 for current rates. |