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Start Building Credit With OE Federal
OE Federal’s New to Credit Program is designed for members just starting out financially. Build credit the right way with Visa STEEL Credit Cards, Signature Loans, or Auto Loans, while developing strong financial habits through education and guidance. Graduate into traditional financing within two years.
How It Works
Start with Credit Education
Complete the Credit Matters course and get personalized financial guidance from OE Federal.
Choose the Loan That Fits You
Select a Visa, Auto Loan, or Signature Loan to build credit at your own pace.
Unlock Credit Limit Increases
Make 12 consecutive on-time payments to qualify for higher limits.
Set Up Automatic Payments
Simplify money management with easy, automatic payments from your OE Federal account.
Graduate with Stronger Credit
Finish the program with better credit and more financial opportunities.
Designed for First-Time Borrowers
The New to Credit Program is built to help members with limited credit history get started the right way.
New to Credit Loan Rates
About Our New to Credit Products
Loan Options
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Visa STEEL Credit Card – Get started with a manageable limit (up to $2,500), with increases based on payment history.
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Signature Loan – Borrow up to $5,000, with fixed payments designed for responsible credit building.
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New or Used Auto Loan – Finance a vehicle with up to $20,000, competitive rates, and terms up to 60 months.
| Loan Type | Annual Fee | Maximum Amount | Annual Percentage Rate - Variable |
|---|---|---|---|
| VISA® STEEL | None | $2,500 | 15.75% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions. Information accurate as of December 1, 2024. | |||
| Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 1-12 Months | 10.24% | 17.24% |
| 13-36 Months | 10.49% | 17.49% |
| 37-60 Months | 10.99% | 17.99% |
MINIMUM AMOUNT MAXIMUM AMOUNT Loan Payment Example: Information accurate as of April 1, 2025. | ||
Auto Rates
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 36-48 months1 | 5.49% | 9.99% |
| 49-60 months3 | 5.74% | 10.49% |
| 61-72 months3 | 5.99% | 10.99% |
| 73-84 months4 | 6.39% | 11.39% |
MAXIMUM AMOUNT Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months 1Minimum loan amount $7,500 | 3Minimum loan amount $15,000 | 4Minimum loan amount $25,000 *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 36-48 months1 | 5.74% | 10.24% |
| 49-60 months3 | 5.99% | 10.74% |
| 61-72 months3 | 6.24% | 11.24% |
| 73-84 months4 | 6.39% | 11.64% |
LOAN TYPE MAXIMUM AMOUNT Loan Payment Example: $23.37 per month per $1,000 borrowed at 5.74% APR for 48 months 1Minimum loan amount $7,500 | 3Minimum loan amount $15,000 | 4Minimum loan amount $25,000 *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
| Maximum Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| 0-48 months1, 7 | 6.49% | 6.99% |
| 49-60 months1, 7 | 6.99% | 7.49% |
LOAN TYPE 11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel) Loan Payment Example: $23.71 per month per $1,000 borrowed at 6.49% APR for 48 months Available for purchase only. No cash out loans. 1Minimum loan amount $7,500 | 7Term available for tiers 1 and 2 only. *All rates and terms are dependent on credit worthiness. Information accurate as of April 1, 2025. | ||
