Consumer Loan Rates | Real Estate Loan Rates | Home Equity Loan Rates
Home Advantage Equity Line | Savings Deposit Rates
Consumer Loan Rates
Effective Date: 3/20/10, (Rates subject to change daily.)
| Loans | Rate | APR* | Term (Months) | Calculator |
| 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 = 2010 and leftover 2009 that has never been Titled
*USED = 2003-2009
*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 $286.50 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.
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Real Estate Loan Rates
Effective Date: 3/20/10,(Rates subject to change daily.)
First Mortgage Rates
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Home Equity Fixed Rate
Primary Residence - Up to 90% 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 (Months) | LTV | Rate | APR* |
| $5,000 - $250,000 | 60 | 80 | 5.75 | 5.75 |
| $5,000 - $250,000 | 120 | 80 | 6.25 | 6.25 |
| $5,000 - $250,000 | 180 | 80 | 6.75 | 6.75 |
| $5,000 - $250,000 | 60 | 90 | 6.50 | 6.50 |
| $5,000 - $250,000 | 120 | 90 | 7.00 | 7.00 |
| $5,000 - $250,000 | 180 | 90 | 7.50 | 7.50 |
* Annual Percentage Rate. Rates subject to change daily. Maximum 90% 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
| Line Min./Max. | Rate | APR* |
| $5,000 - $250,000 | Variable | 4.00* |
*Introductory rate. Fixed for 6 months, then Prime - .25% adjusted monthly. (Prime is at 3.25%, as of 12/17/2008, as published in the Wall Street Journal). Annual Percentage Rate may vary. Maximum APR is 18%. Minimum APR is 4%.Free closing costs (some restrictions may apply). Membership eligibility required, including $5 minimum share account balance. Property insurance required. Flood insurance required when applicable.
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Deposit Rates
Effective Date: 3/20/10,(Rates subject to change daily.)
| Savings | Minimum Balance | Dividend Rate | APY* | Term (Months) |
| Shares | $ 5.00 | 0.25 | 0.25 | N/A |
| Share Draft | 0 | N/A | 0.00 | N/A |
| Clubs | 0 | 0.25 | 0.25 | N/A |
| IRA Shares | 0 | 0.25 | 0.25 | N/A |
| Money Market ($ 2,500 - $ 10,000) | $ 2,500.00 | 0.50 | 0.50 | N/A |
| Money Market (Over $ 10,000) | $ 10,000.00 | 1.00 | 1.00 | N/A |
*APY = Annual Percentage Yield
Effective Date: 3/20/10,(Rates subject to change daily.)
| Share Certificates & IRA Share Certificates | Minimum Deposit | Dividend Rate | APY* | Term (Months) |
| Share Certificates & IRA Share Certificates | $500.00 | 0.75 | 0.75 | 3-5 |
| Share Certificates & IRA Share Certificates | $1000.00 | 1.00 | 1.00 | 6-11 |
| Share Certificates & IRA Share Certificates | $1000.00 | 1.24 | 1.25 | 12-23 |
| Share Certificates & IRA Share Certificates | $1000.00 | 1.74 | 1.75 | 24-35 |
| Share Certificates & IRA Share Certificates | $1000.00 | 2.23 | 2.25 | 36-47 |
| Share Certificates & IRA Share Certificates | $1000.00 | 2.72 | 2.75 | 48-59 |
| Share Certificates & IRA Share Certificates | $1000.00 | 2.96 | 3.00 | 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 (Norway Office). Penalty may be imposed for early withdrawal.
Mexico Office:
225 River Road
PO BOX 252
Mexico, Maine 04257
Phone: 207.369.9976
Fax: 207.364.8962
Norway Office:
54 Fair Street
Norway, Maine 04268
Phone: 207.743.2638
Fax: 207.743.7138
Email: oxford@ofcu.org
Toll-free: 800.991.9219
Locations in Mexico and Oxford | 1 (800) 991-9219 | oxford@ofcu.org
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