Rates

LOAN TYPE
Current or prior calendar year with less than 7,500 miles

MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.

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.

LOAN TYPE
10 model years or newer only (60-month term maximum for vehicles with 200,000 miles or more)

MAXIMUM AMOUNT
Up to 100% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.

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.

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.

LOAN TYPE
Current model year

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.

Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.

Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months

²Minimum loan amount $10,000 | ⁵Minimum loan amount $35,000 | ⁶Minimum loan amount $50,000 |

*All rates and terms are dependent on credit worthiness.

Information accurate as of April 1, 2025.

LOAN TYPE
15 model years or newer

MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.

Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.

Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months

²Minimum loan amount $10,000 | ⁵Minimum loan amount $35,000 | ⁶Minimum loan amount $50,000 |

*All rates and terms are dependent on credit worthiness.

Information accurate as of April 1, 2025.

LOAN TYPE
Savings Secured and Certificate

MAXIMUM AMOUNT
$50,000, $50,000

Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months

Information accurate as of April 1, 2025.

Information accurate as of April 1, 2025.

*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 April 1, 2025.

• Visa Terms and Conditions
• VISA Credit Card Agreement

*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.

• Visa Terms and Conditions
• VISA Credit Card Agreement

*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.

• Visa Terms and Conditions
• VISA Credit Card Agreement

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¹ Loan Amount

The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.

² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:

• Conforming: Loan amount of $300,000 + closing costs
• Jumbo: Loan amount of $975,000 + closing costs
• All rates shown are based upon a 45-day rate lock*
• Rates show are for borrowers with excellent credit and no subordinate financing.
• Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
• Your rate may be different than what is shown due to pricing adjustments for certain scenarios.

Discount Points = 0

Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.

*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.

Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.

Rates as of April 8, 2025.

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¹ Loan Amount

The Federal Housing Finance Agency determines the conforming loan limit. While the conforming loan limit is $647,200 for much of the country, the limit is as high as $970,800 for some high-cost areas. These higher limits are designed to make home ownership more affordable in areas with the highest home prices. Call or text us at 800-877-4444 to determine the conforming loan limit for your property.

² APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:

• Conforming: Loan amount of $300,000 + closing costs
• Jumbo: Loan amount of $975,000 + closing costs
• All rates shown are based upon a 45-day rate lock*
• Rates show are for borrowers with excellent credit and no subordinate financing.
• Lower rates are available on first mortgage loans with a Loan-to-Value of 75% or less.
• Your rate may be different than what is shown due to pricing adjustments for certain scenarios.

³ Adjustable Rate Loan Programs

Our adjustable rate loans have a fixed rate for 5, 7 or 10 years (based upon the selected program), followed by an adjustable rate period that lasts through the end of the 30-year loan term. The adjustable rate on your loan adjusts every six months after your fixed rate period ends and is calculated using the 30-day compounded average of the Secured Overnight Financing Rate (SOFR) Index, plus a margin. The rate shown is for the fixed rate period.

Discount Points = 0

Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.

*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.

Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.

*Rates as of April 8, 2025.

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Our Fixed Rate Equity Loan offers  flexible terms of 5, 10, 15  and 20 years. You pick the term that best meets your needs!

¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:

• Home Equity Loan: Loan amount of $100,000 + closing costs
• All rates shown are based upon a 45-day rate lock*
• All rates shown are based upon ≤80% loan to value ratio
• Rates show are for borrowers with excellent credit and no subordinate financing.
• Your rate may be different than what is shown due to pricing adjustments for certain scenarios.

Maximum Loan Amount: $250,000

Note that the rates and/or fees may be higher based upon credit score.

*Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.

Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.

*Rates as of April 1, 2025.

Apply Now

¹ APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. APRs are based upon the following:

• Home Equity Line of Credit : Loan amount of $100,000 + closing costs
• All rates shown are based upon a 45-day rate lock*
• Rates show are for borrowers with excellent credit and no subordinate financing.
• Your rate may be different than what is shown due to pricing adjustments for certain scenarios.

This amount reflects the estimated initial payment against the full loan amount of $100,000, with excellent credit. Actual monthly payments and final payoff amount will vary depending on the timing and amount of draws against the line of credit. Actual rate, of Prime + added margin, may be higher based on credit score.

Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.

Initial Interest Rate: On a Fixed rate loan, it is the rate for the entire life of the loan. On an Adjustable Rate Loan it is the interest rate that is fixed for some specified number of months at the beginning of the loan term

Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.

Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.

Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.

Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.

Rates are subject to change without notice. To receive a better estimate for your specific scenario and our current rates, please call or text us at 800-877-4444.

*Rates as of April 1, 2025.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:

3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

*A penalty will be assessed for early withdrawal

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

*A penalty will be assessed for early withdrawal

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

*A penalty will be assessed for early withdrawal

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

*A penalty will be assessed for early withdrawal

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.