HOLIDAY CLOSURE: Our offices will be closed on Thursday, Nov. 26 and Friday, Nov. 27 in observance of the Thanksgiving holiday.

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Special Offers and Promotions

UChoose Rewards
Visa Gift Cards

Chip Card Technology
Holiday Loan
Mobile App
Auto Savings
Share Certificates

Home Equity FlexLoc
Rec Vehicle Loan
Home Loans
VISA STEEL Credit Cards

UChoose Rewards

UChoose Rewards

You shop. You earn. You choose. With UChoose Rewards, you choose where to shop and what to get for all the points you earn.

With each purchase you make with your Visa STEEL Rewards Card, you earn 1 point for every dollar you spend. Use your card for everyday purchases and watch your points add up!

Redeem Reward Points for:

  • Merchandise From Popular Retailers
  • Tickets To Concerts And Events
  • Travel - Hotels, Cruises, Car Rentals
  • Cash 
  • Gift Cards
  • And More... 

 Please click here or call 800.877.4444 for more information on our new UChoose Rewards Program.

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No Purchase Fee Gift Card Promo

A gift to remember this holiday season

Surprise your loved ones with an OE Federal VISA Gift Card.

Purchase a Gift Card between November 1st - December 31st and our gift to you, we'll waive the purchase fee*.

Gift cards can be purchased in amounts of $10.00 to $1,000.00 and can be used virtually anywhere.

For more information call 800.877.4444 or visit your local branch.

*No Purchase Fee applies to in-branch Gift Card purchases only. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. Gift Cards are issured by MetaBank, FDIC. Valid November 1 - December 31, 2015.

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EMV Chip Card

Introducing Chip Card Technology

OE Federal is always looking to improve our technology and financial security for our membership. We are proud to announce a new advancement in security with our Visa STEEL and Visa STEEL Rewards cards now coming with built-in EMV Chip technology.

These new chip cards provide you greater fraud protection with every purchase.  By creating a new transaction code every time you use your card, it decreases the ability for hackers to be able to make fraudulent charges on your card. Please click here for more information on EMV Chip Cards.

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Kiss Your December Payment Goodbye With Skip-A-Pay

We believe it’s important to enjoy the holidays, that’s why we offer Skip-A-Pay*. Instead of worrying about buying presents, affording travel, and making your loan payment, we decided you could kiss your December payment goodbye.


  • Car and Truck Loans
  • Motorcycle Loans
  • RV and Boat Loans
  • Watercraft Loans
  • Signature Loans
  • Savings Secured Loan

Call 800.877.4444 or visit a local branch and ask a Member Service Rep for details today!

*You are responsible for stopping any automatic payment(s) from an outside institution, or funds received will remain in your OE Federal Savings or Checking Account. The following loan types are not eligible for SKIP-A-PAY: Visa Credit Cards, Mortgages, Home Equity Loans, Certificate Secured Loans, Mobile Home, Annuity, or Work Out Loan types. Loan must be funded prior to October 15, 2015. In addition, all OE Federal loans must be current and November 2015 payment must be made in order to qualify for SKIP-A-PAY. SKIP-A-PAY applies to December 2015 payment only. Other terms and restrictions may apply. Interest will continue to accrue on your outstanding principal balance during this time and the term of your loan may be extended.

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Holiday Loan

Give The Gift Of Happiness

This holiday season spread joy to friends and family with the help of OE Federal's Holiday Loan.

Qualified OE Federal members can receive from $1,000 to $3,000 at a competitive, fixed rate of 9.00% APR* with repayment terms up to 12 months.

For more information call 800.877.4444 or apply online today.

*APR= Annual Percentage Rate. Subject to credit approval. Rate reflects a 0.25% discount for Member Rewards. Must meet the following requirements to qualify for Member Rewards: must be signed up for eStatements, make at least 10 checking account ATM/debit transactions per month, and have direct deposit or automatic bill pay. Rate is for terms of up to 12 months. Minimum loan amount is $1,000. Maximum loan amount is $3,000. Maximum of two open Quick Loans per member at one time. Rates and terms are subject to change without notice. Payment Example: If you borrow $1,000 at 9.00% APR, your payment is $90 for 12 month term.

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Right Where You Need To Be

You’re right where you need to be with the help of the OE Federal Mobile App 

With the OE Federal Mobile App, you can check your balances, view recent transactions, make account transfers, or even deposit a check with Mobile Deposit, all from your smartphone. No need to visit a branch – conveniently deposit checks anytime, anywhere. Just snap a picture of the front and back of your check with an iPhone, iPad, or Android device, and you’ll receive confirmation of your deposit. To learn more about our Mobile Deposit feature please click here.

Need an ATM or Branch? Use our Mobile App to find one of our 60,000 surcharge-free ATMs nationwide or one of our 6,800 Shared Branches. To locate your nearest ATM or branch, use our Mobile App, or click here.

The OE Federal Mobile App allows you to bank any time, any day, and any place.  So no matter where you are, you’re right where you need to be with the OE Federal Mobile App.

If you have any questions regarding our Mobile App, please give us a call at 800.877.4000 or click here for more information and download our Mobile App.

*OE Federal does not charge fees to download or use mobile apps. However, web access and/or data charges may apply. Check with your wireless provider to get additional information on their applicable fees prior to downloading mobile apps.
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Rev It Up Auto

Rev It Up With A Truck Loan

Nothing says tough like a truck.

DETERMINED. RELIABLE. STRONG. All qualities that describe you! So when it comes to your vehicle and loan of choice, it’s no surprise.

  • Get a $100 Bonus Deposit* when you finance or refinance an Auto Loan
  • New and used auto rates
  • Flexible payment terms
  • GAP and MBI protection available
  • Refinance your current auto loan from another lender and save

What are you waiting for? Click here for more information, call 800.877.4444 or apply online today.

*To receive a $100 Bonus Deposit, you must finance or refinance your auto loan with OE Federal. Refinancing a loan already held at OE Federal does not qualify for offer. $100 will be deposited to your primary account within sixty (60) days of loan funding. Offer subject to change without notice.

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Share Certificates

Build A Solid Foundation With A Share Certificate

Lay your financial foundation with a Share Certificate Account from OE Federal. Deposit as little as $1,000 for a 12 month term, and watch your money grow.

  • Rates at 0.45% APY* for a 12-Month Term and $1,000 minimum
  • Ask us how to qualify for a 0.10% APY** Bonus
  • We offer even higher rates for balances $10,000+

With a great rate from OE Federal, there has never been a better time than now to open an account. Don’t wait, pave the way for your financial future today!

Click here to learn more, visit a local branch, or call us at 800.877.4444.

*APY=Annual Percentage Yield. The comparable minimum deposit and APY rates are accurate as of 6/8/2015. Rates are subject to change without notice. APY stated assumes dividends will remain on deposit until maturity. Minimum of $1,000 required to open a Share Certificate Account and to earn the stated APY. A penalty will be imposed for early withdrawal. 

**To earn a 0.10% APY Bonus you must qualify for Member Rewards. Contact OE Federal Credit Union for details on Member Rewards and how to qualify.

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Home Equity FlexLoc

Renovate your way with a Home Equity FlexLoc*

After years of wear and tear it’s time for you to get your house back to tip top shape. Do you have the money to pay for a remodel? That’s where OE Federal’s Home Equity FlexLOC* comes in.

With a Home Equity FlexLOC*, you can take out a line of credit up to $150,000 all in a lump sum or a little at a time as you need it.

Whether you just need to fix the things that are broken, or want to do a complete remodel, this is the perfect loan for you. With rates still historically low, now is the time to check off that to-do list.

Let's make your house a home again with an OE Federal Home Equity FlexLoc*. Click here to learn more or call 800.877.4444.

*Home Equity FlexLOC has a variable-rate; your annual percentage rate (APR) will adjust every 6 months based on the Wall Street Journal prime rate plus a margin, for the life of the line. The maximum APR that may be charged is 12.25%, minimum APR is 3.25%. Home Equity FlexLOC offers a fixed-rate option which you may use for up to 3 conversions at any one time. When you choose this option, the interest rate you receive for that fixed portion will be locked until the balance is repaid. Your fixed interest rate will be determined based on rates at the time you choose this option. The fixed loan option is available for the first 10 years (draw period) of your Home Equity FlexLOC. After the draw period ends you will no longer be able to take advances and must pay the outstanding balance over 20 years. Payment example: If you made the minimum payments (interest only) over the draw period on an advance of $10,000 at a rate of 3.25%, your monthly payment would be $27.68 ([(10,000 x 31) x 3.25%] / 365 = 27.68). Early closure fee of $600 if closed within the first 6 months. Offer and rates subject to change without notice.

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Rev It Up Rec Vehicle

Rev It Up With a Rec Vehicle Loan

No Boundaries. No Excuses. No Limits. Just Adventure.

Your week was filled with sweat, mud, and elbow-grease, and now it’s time to enjoy. So whatever your adventure, we know that a Rec Vehicle is calling your name.

Even if you have a limited credit history, we offer flexible terms and incredible rates, leaving dull banks in the dust. For over 50 years, we've had your back, and we will have it for at least 50 more. Rev It Up with a Rec Vehicle Loan from OE Federal.

What are you waiting for? Call 800.877.4444 or apply online today.

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Dreams Do Come True

Dreams Do Come True With A Home Loan

OE Federal Credit Union understands you're dreaming of the perfect family home. So, we’ve taken the hassle out of the process by providing you with more resources, information, and mortgage options than ever before.

We also know this is a big decision for your family. Our experienced Home Loan Specialists want you to feel comfortable with the home buying process. We don’t operate on commission, collect broker’s fees, or want to “sell” you a mortgage. What we want is to help guide you in finding the perfect mortgage solution.

Mortgage Types

  • NEW First Time Home Buyer Program
  • Conventional mortgages
  • Fixed rate mortgages
  • Adjustable rate mortgages (ARM)
  • Terms from 10 to 30 years

Property Types

  • Primary residence
  • Second or vacation home
  • Investment or rental property
  • Condos or townhouses
  • Manufactured homes


  • View current rates
  • Apply online
  • Complete the application at your convenience
  • Homeownership information from BALANCE 

Whether you’re looking or just thinking about the possibilities, let our experienced Home Loan Specialists help determine your options and find the right loan that fits your needs. Call (800) 877-4444 or click here.

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Visa Steel Promo Banner

OE Federal VISA STEEL Credit Cards

OE Federal Visa STEEL Credit Cards are flexible and convenient with low rates, and no annual, cash advance, or balance transfer fees. We’ll even pay you back with our special Loyalty Dividend*. And don’t forget, our Visa Credit Cards get even better with our STEEL Rewards Card; earn points that can be redeemed for cash, gift cards, and travel rewards.

As a thank you for signing up for a VISA STEEL or STEEL Rewards Credit Card, we are offering our members the following:

0% APR on new purchases for the first 6 months. Plus, avoid interest on higher rate cards by transferring balances over to VISA STEEL.**

STEEL Rewards:
Reward yourself every time you use your card. Earn 10,000 Rewards Points on new purchases for the first 3 months.***

For details and other great benefits click here, to apply for a VISA STEEL and VISA STEEL Rewards Card log in through your online banking account or call us at 800.877.4444 to get started.

*Important Tax Notice: The Loyalty Dividend will be treated as taxable income and will be reported to federal and state tax agencies as required. Please consult with a tax professional if you have questions concerning the tax implications of this dividend payment.
**APR=Annual Percentage Rate. 0% on new purchases and balance transfers only; does not include cash advances. After the first six billing cycles of your account opening, the APR for purchases and balance transfers will revert to your default APR and will vary based on the Prime Rate. Offer applies to new Visa credit card accounts only.
***To earn 10,000 Rewards Points you must make a minimum of $1,000 in new purchases within the first 3 billing cycles of your account opening. Does not include balance transfers or cash advances. Rewards Points promotion ends when you reach $1,000 or after 3 billing cycles whichever comes first. Offer applies to new Visa credit card accounts only.

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CU Road Pal

Unparalleled service and value in roadside assistance.

Worry-Free Driving

CUDL AutoSmart

Find the right car or truck at the right price.

Start your search today

Mobile Deposit

Deposit Checks anytime, anywhere.

It's Fast, Secure and FREE

Sprint Discount

Save 10% with Sprint

Why throw away money?