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Ohio Educational CU
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Loan Rates

New Autos
Effective Date: Monday, February 18th, 2019
TermNominal RateAPR*Notes
2018 & Newer
up to 72 Months 3.74% 3.94%  
73-84 Months 4.74% 4.89%  

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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.

Used Autos
Effective Date: Monday, February 18th, 2019
TermNominal RateAPR*Notes
2017 & Newer
up to 72 Months 3.74% 3.98%  
73-84 Months 4.74% 4.91%  
2014-2016
up to 60 Months 3.74% 4.13%  
2012-2013
up to 48 Months 3.74% 4.33%  
2010-2011
up to 48 Months 4.74% 5.48%  
2009 & Older
up to 48 Months 5.74% 6.63%  

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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.

College Graduate Auto Program
Effective Date: Monday, February 18th, 2019
For recent college graduates who are employable but do not yet have a job.
TermNominal RateAPR*Notes
New Auto - 2018 & Newer
up to 72 Months 4.74% 4.98%  
Used Auto - 2017 & Newer
up to 72 Months 4.74% 4.98%  
Used Auto - 2014-2016
up to 60 Months 4.74% 5.14%  
Used Auto - 2012-2013
up to 48 Months 4.74% 5.33%  
Used Auto - 2010-2011
up to 48 Months 5.74% 6.49%  
Used Auto - 2009 & Older
up to 48 Months 6.74% 7.64%  

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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: Monday, February 18th, 2019
TermNominal RateAPR*Notes
New Boat - 2018 & Newer
180 Months 4.75% 4.79% Up to $100,000
120 Months 5.25% 5.33%  
72 Months 5.75% 5.92%  
Used Boat - 2010 & Newer
180 Months 5.25% 5.29% Up to $100,000
120 Months 5.75% 5.83%  
72 Months 6.25% 6.43%  
New Recreational Vehicle - 2018 & Newer
180 Monts 4.75% 4.79% Up to $150,000
120 Months 5.25% 5.33%  
72 Months 5.75% 5.92%  
Used Recreational Vehicle - 2010 & Newer
180 Months 5.25% 5.29% Up to $100,000
120 Months 5.75% 5.83%  
72 Months 6.25% 6.43%  

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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: Monday, February 18th, 2019
TermNominal RateAPR*Notes
New Motorcycle - 2018 & Newer
up to 60 Months 5.24% 5.60% No down payment required
Used Motorcycle - 2010 & Newer
up to 60 Months 5.74% 6.10% No down payment required
New Other Titled - 2018 & Newer
(ATVs, Personal Watercraft, Trailers, etc.)
up to 60 Months 6.50% 6.99% No down payment required
New Other Titled - 2010 & Newer
(ATVs, Personal Watercraft, Trailers, etc.)
up to 60 Months 7.00% 7.49% 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: Monday, February 18th, 2019
TermNominal RateAPR*Notes
Shared Secured
up to 84 Months 5.50% 5.75% Loans up to 95% of Pledged Shares.
Prime Rate +0%. This rate may vary.
Refer to loan agreement for rate calculation.
VISA Platinum Card
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Personal Term Loan
up to 60 Months 7.99% 8.20%  
Personal Line-of-Credit
N/A 14.50% 14.50%  

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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 Consumer Loan Rates disclosure for more details.

Student Loans
Effective Date: Monday, February 18th, 2019
Private Line-of-Credit
CLICK HERE for current rates and online application.

 

Mortgage Loan Rates
Effective Date: Monday, February 18th, 2019
TermRate*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. 5.50% 5.50% Loan to Value <=80%
Prime Rate +0.00% (Minimum Rate of 3.25%)
This rate may vary.
 
20 Year Max. 6.00% 6.00% Loan to Value > 80% and <= 85%
Prime Rate +0.50% (Minimum Rate of 3.25%)
This rate may vary.
 
20 Year Max. 6.50% 6.50% 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. 5.50% 5.50% 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. 8.50% 8.50% 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: Monday, February 18th, 2019
Various Fixed and Adjustable Rate Mortgages 180-Day Rate Lock Available
Contact 24-Hour Loan Application Department 1-800-552-6328 for current rates.