²⁴Cash Advance APR will be 19.49% to 29.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.

²³Purchase APR: 0.00% introductory APR for 12 months. After that 14.49% to 24.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 14.49% to 24.49%, based on creditworthiness and will vary with the market based on Prime rate..

²¹Rate current as of 02/02/2026. Variable rate based on prime plus margin. Margin amount depends on creditworthiness. Current APRs range from 6.75% to 10.75%. Maximum APR is 18.00%. Estimated account opening fees $0.00-$2,300.00; these fees vary depending on circumstances.

²²If at any time automatic payments are stopped, payment is returned NSF for 2 months in a row, Borrower is past due or the loan is not in repayment status, the rate discount 0.25% will not be applied. OCCU reserves the right to modify or discontinue Borrower Benefits at its discretion and without notice.

²⁰680 minimum credit score may increase to 720 based on the loan amount. Contact OCCU for more details.  

¹⁹5% down available on qualified one-unit, primary residence properties.

¹⁸Standard closing costs and prepaid escrows apply. Borrower is required to contribute a minimum of $1,000 and can be used toward closing costs. Borrower must have a minimum 680 credit score, other credit qualifications, conditions and restrictions apply.

¹⁷Motorcycle loan annual percentage rate range from 10.50% to 15.46%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 02/02/2026. For example, on a motorcycle loan for $10,000 at 10.50% for 60 months, you would make 60 payments of $214.94.