Special Offers and Promotions
First Time Homebuyer Program
Rec Vehicle Loan
VISA STEEL Credit Cards
Chip Card Technology
Home Equity FlexLoc
Drive The Way You Want
Drive the way you want with the help of OE Federal Credit Union – we offer competitive rates as low as 1.49% APR* and outstanding service. Plus, you get a $100 Bonus Deposit** just for financing with us!
And, to help with your vehicle search, OE Federal offers a 24/7 auto-buying resource on our website called AutoSmart. With AutoSmart you can:
- Research Vehicles
- Compare Vehicles
- Locate a Dealership
- Calculate Payments
- Finance - Apply Online
If you're not in the market to make a purchase, then you can refinance your current vehicle and save on your monthly payment. Our auto refinance rates are as low as 1.49% APR* and you qualify for our $100 Bonus Deposit** as well.
Get Pre-Approved today! Call 800.877.4444 or apply online today.
*APR=Annual Percentage Rate. Auto rate of 1.49% APR is for terms up to 48 months. Rate reflects a 0.50% APR discount for 20% down payment and a 0.25% APR 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. Minimum auto loan amount is $2,500 for refinanced vehicles. Refinance not valid on current OE Federal Auto Loans. Rate is for vehicle models 2009 or newer. Up to 115% or up to 125% (for well qualified borrowers) LTV of MSRP or KBB retail value, not to exceed purchase price. Includes sales tax, license fee, GAP, and MBI. Rates and terms are subject to change without notice. $21.47 per month for each $1,000 borrowed at 1.49% for 48 months.
**To receive $100 Bonus Deposit, you must finance or refinance your auto loan with OE Federal. Incentive is not guaranteed and is contingent upon qualification of actual loan. $100 Bonus Deposit will be deposited to your primary account within 60 days from funding of the loan. Refinance on current OE Federal Auto Loans are not eligible. Other terms and restrictions may apply.
First Time Homebuyer Program
Owing your first home doesn't have to be complicated. Taking the leap into homeownership can be intimidating and full of uncertainty. That’s why OE Federal created a First Time Homebuyer program specifically designed to make the process straightforward and understandable.
Our program offers 3 different loan options and your down payment can be as little as 5%. You even have the ability to have half of your down payment be a gift. That means you only need 2.5% of your own funds! - You can’t find that anywhere else!
Now is the time to make the leap into homeownership. Our Real Estate Department has over 40 years of combined experience; they’re prepared to walk you through the entire process to make sure you never have any surprises. Rest assured, you’re in good hands.
Own your home with our First Time Homebuyer program! 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.
A Vacation To Remember
Experience it all this summer and take your vacation to the next level with OE Federal’s Vacation 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.
Supercharge Your Money With A Share Certificate
There has never been a better time to open a Share Certificate Account and supercharge your money with OE Federal.
With our great rates, you can deposit as little as $1,000 for either a 12, 24, 36, 48, or 60 month term and watch as we power up your funds.
- Rates at 0.50% 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!
To view our rates, click here or for more information 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 1/15/16. 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.
Get Out and Explore With a Rec Vehicle Loan
Get a head start on your adventure with a RV, ATV, boat, or motorcycle. Don’t wait, get out and explore!
You’ve earned it, so enjoy the outdoors the right way with a Recreational Vehicle Loan from OE Federal Credit Union.
- Low Rates
- Flexible Terms
- Rate Discounts Available
- GAP Insurance Available
- New or Used Financing
- Excellent Service
Get pre-approved today! Call 800.877.4444 or apply online today.
Transfer Your Balance to a VISA STEEL Card
Say goodbye to debt with OE Federal’s Visa STEEL Credit Cards. We understand debt can increase with expenses like gifts, travel, and high interest credit card payments. No need to worry anymore... Our 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 Deposit*. And don’t forget, our Visa Credit Cards get even better with our STEEL Rewards Card; earn points that can be redeemed for gift cards, travel, cash, and more.
Now is the time to stop worrying and transfer your high interest balance to a VISA STEEL or STEEL Rewards Credit Card!
0% APR on new purchases transfers for the first 6 months, including balance transfers. Avoid paying a higher interest rate by transferring balances over to VISA STEEL.**
Reward yourself every time you use your card. Earn 10,000 Rewards Points on new purchases for the first 3 months.***
*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.
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
- Gift Cards
- And More...
Please click here or call 800.877.4444 for more information on our new UChoose Rewards Program.
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.
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.
Love Your Home Again With A Home Equity FlexLoc*
You may have purchased your home at a time when the price was right, but didn’t have enough funds to fix it up to your liking. Now is the perfect time to love your home again with OE Federal’s Home Equity FlexLOC*.
With a Home Equity FlexLOC* you can give your home the love it deserves. Get a line of credit up to $150,000 all in a lump sum or as you need it.
Rates won’t stay this low for long. There’s never been a better time to upgrade a bathroom, remodel the kitchen, or simply give your home a new coat of paint.
Love your 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 3.50%. 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 3.50%, your monthly payment would be $29.72 ([(10,000 x 31) x 3.50%] / 365 = 29.72). Early closure fee of $600 if closed within the first 6 months. Offer and rates subject to change without notice.