CONSUMER LOAN RATES Effective Date: (Rates subject to change daily.) Loans Rate APR* Term (mos.)   NEW* Automobiles, Motorcycles, ATVs, Snowmobiles 5.50  5.50  60  Calculator NEW* Automobiles, Motorcycles, ATVs, Snowmobiles 5.25  5.25 48  Calculator NEW* RV's/Boats  6.00  6.00  120 Calculator USED* Automobiles, Motorcycles, ATVs, Snowmobiles 6.00  6.00 60  Calculator USED* Automobiles, Motorcycles, ATVs, Snowmachines 5.75  5.75  48  Calculator USED* RV's/Boats 7.00  7.00 120  Calculator VISA (Unsecured Lines)** 6.90  6.90  n/a Calculator VISA (Secured Lines)**  4.90 4.90  n/a Calculator Signature Loans 9.25  9.25  60 Calculator *NEW = 2008 and leftover 2007 that has never been Titled *USED = 2001-2007 *APR = Annual Percentage Rate. (APR's shown are as low as).  Rates determined by credit score. **VISA Payment: 3% of total new balance or $20, whichever amount is greater.  No annual fee.  Maximum line of credit: $10,000.  Minimum line of credit: $500.  The Unsecured VISA interest rate is determined by credit score, and can be as low as 6.9%  Annual Percentage Rate, calculated at the periodic rate of .575% per month. The maximum interest rate is 17.9%  Annual Percentage Rate, calculated at the periodic rate of 1.492%. The Share Secured VISA Finance Charge (interest) is calculated at the periodic rate of .408% per month, which is an Annual Percentage Rate of 4.9%.  For a full disclosure, contact Oxford Federal Credit Union. Example of a typical vehicle loan: 60 monthly payments of $286.51 based on a $15,000 loan, at 5.50%. Your payment will vary due to amount, term and interest rate. Other rates and terms available.  Membership eligibility required, including $5 minimum share account balance.   Fixed interest rates based on credit score.  Please contact the loan department for more information 1-800-991-9219. Go To Loan Application  |  Go To Calculators  |  Back to Top       REAL ESTATE LOAN RATES Effective Date: (Rates subject to change daily.) - First Mortgage Rates -  Answer a few short questions and receive your personalized rate quote by clicking here or contact an Oxford Federal Credit Union Loan officer by calling 1-800-991-9219. If you would like Oxford Federal Credit Union to notify you when rates reach your target, subscribe to our Rate Tracker service by clicking here. - Home Equity Fixed Rate - Primary Residence - Up to 95% Loan To Value maximum. Camps/2nd homes - Up to 90% Loan to Value maximum. Rate dependent on LTV and term of loan. 180 months maximum. Loan Min/Max Term LTV Rate APR* $5,000 - $250,000  60 mos  80%  5.75% 5.75% $5,000 - $250,000 120 mos  80%  6.25%  6.25%  $5,000 - $250,000 180 mos  80%  6.75%  6.75%  $5,000 - $250,000 60 mos  90%  6.25% 6.25% $5,000 - $250,000 120 mos  90%  6.75%  6.75%  $5,000 - $250,000 180 mos  90%  7.25%  7.25%  $5,000 - $250,000 60 mos 95% 7.25%  7.25% $5,000 - $250,000 120 mos 95% 7.75%  7.75% $5,000 - $250,000 180 mos  95%  8.25%  8.25% * Annual Percentage Rate.  Rates subject to change daily. Maximum 95% LTV. Free Closing Costs (some restrictions may apply).  Membership eligibility required, including $5 minimum share account balance.  Property insurance required.  Flood insurance required when applicable. Example of a typical home equity fixed rate loan: 120 monthly payments of $336.87 based on a $30,000 loan, at 6.25%. Your payment will vary due to amount, term and interest rate. Other rates and terms available.  Membership eligibility required, including $5 minimum share account balance.   Please contact the loan department for more information 1-800-991-9219. - Home Advantage Equity Line of Credit - Up to 90% Loan to Value (Primary Residence) Up to 80% Loan to Value (Camps/2nd Homes) Line Min./Max. Rate APR* $5,000 - $250,000 Variable 4.50%* *Introductory rate.  Fixed for 6 months, then Prime - .25% adjusted monthly.  (Prime is at 5.00%, as of 5/1/2008, as published in the Wall Street Journal).  Annual Percentage Rate may vary.  Maximum APR is 18%.  Free closing costs (some restrictions may apply).  Membership eligibility required, including $5 minimum share account balance.  Property insurance required.  Flood insurance required when applicable.  90% to 95% Loan to Value (Primary Residence)  80% to 90% Loan to Value (Camps/2nd Homes) Line Min./Max. Rate APR* $5,000 - $250,000 Variable 4.50%** *Introductory rate.  Fixed for 6 months, then Prime + .25% adjusted monthly.  (Prime is at 5.00%, as of 5/1/2008, as published in the Wall Street Journal).  Annual Percentage Rate may vary.  Maximum APR is 18%.  Free closing costs (some restrictions may apply).  Membership eligibility required, including $5 minimum share account balance.  Property insurance required.  Flood insurance required when applicable. Go To Loan Application   |   Go To Calculators   |   Back to Top   - Home Improvement -  Effective Date:  (Rates subject to change daily.) Loan Min./Max. Rate APR* $2,900 - $5,000 9.00% 9.00%   - Savings Deposit Rates - Savings Min. Balance Dividend Rate APY* Term (mos.) Shares $ 5.00 0.50 0.50 n/a Draft 0 n/a 0.00 n/a Clubs 0 0.50 0.50 n/a IRA's 0 0.50 0.50 n/a Money Market ($ 2,500 - $ 10,000) $ 2,500.00 1.49 1.50 n/a Money Market (Over $ 10,000) $ 10,000.00 1.98 2.00 n/a *APY = Annual Percentage Yield Back to Top   Effective Date:  (Rates subject to change daily.) Share Certificates Minimum Deposit Dividend Rate APY* Term  (mos.)  Share Certificates & IRA Share Certificates $500.00 2.47 2.50 3 to 5 Share Certificates & IRA Share Certificates $1000.00 2.72 2.75 6-11 Share Certificates & IRA Share Certificates $1000.00 2.96 3.00 12-23 Share Certificates & IRA Share Certificates $1000.00 3.45 3.50 24-35 Share Certificates & IRA Share Certificates $1000.00 3.54 3.60 36-47 Share Certificates & IRA Share Certificates $1000.00 3.69 3.75 48-59 Share Certificates & IRA Share Certificates $1000.00 3.93 4.00 60 *APY = Annual Percentage Yield Jumbo Share ($95,000 and greater) & IRA Share Certificates rates are available by contacting (207) 369-9976 (Mexico Office) or (207) 743-2638 (Oxford Office).  Penalty may be imposed for early withdrawal. Back to Top

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