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FEATURED LOAN SERVICE:
Decision Now - Now available!! You can now apply for a loan through our web page (HFS) and get an answer within minutes if you are approved - denied - or referred to the Credit Union. We are always trying to make it easier for you to reach us and since this will be available 24/7, our loan department will seem to be open just for you on YOUR time!!
Holiday Skip-a-Pay - Needing extra cash at Christmas time? The Credit Union offers its “Skip-a-Pay” program to qualified members who have loans with us. (Real Estate Loans, Kwik Cash LOC Loans and PayDay Loans do not qualify for this program.) Remember, that interest continues to accrue on these loans and there is a possibility that negative amortization could occur.
Low vehicle, signature rates. Click on the rate information and compare!!! 957
Mortgage Loans. Now up to 90% of the fair market value as stated on your taxes.
- First mortgages (not purchase money).
- Second mortgages.
- Home Owners Choice Loan, an equity loan where the home is taken as an abundance of collateral and the rate and term is based on the "other" collateral you give (car, truck, snowmobile, savings, signature, etc.)
- Purchase money, jumbo home loans, etc. now through our partner.
Partner Mortgage Loans – We have now found a new partner, Winnebago Community Credit Union, who will offer the following products:
The Products:
• Residential Loans
• Conforming Loans: 10, 15, 20, 25 & 30 yr. Fixed Rates
• Adjustable Rate Mortgages (ARMs)
• New Construction & Lot loans
• FHA
• Jumbo Loans
• Investment Property Loans
• Home Equity/2nd Mortgages
• Vacant Land - Hunting or Recreational
• 2nd/Vacation Homes
• Refinancing: Rate Reduction, Cash Out, Rate & Term
• And ask us about any other product you are interested in!
PayDay Loans (The best kept secret at the Credit Union)
We’ve had PayDay loans since the 90’s; we’ve upgraded them, but the cost has not changed – still a flat $7.50 per loan. Why pay $20 or $30 when you can pay just $7.50????? Why would you go anywhere else??? This loan does have to be pre-approved and set up ahead of time, but only once. Then you are good to go whenever you need a little extra before pay day. Of course, it does have to be paid back on pay day, and you do have to qualify. But before you head to the Check Into Cash or Check ‘N Go, etc, check with us first. We love doing business with you!!
Risk-Based Lending - back to basics, where the rate you pay is determined on your creditworthiness. The rates quoted on this site and in the office are for an A rating. If your FICO Score from Trans Union is different, rates could be higher or lower. We must run a credit report to find this score. The FICO Score is based on about 50-75 different items, including the way you pay your bills here and elsewhere. It does NOT look at or know about your income. It is putting "character" back into lending - rewarding you for paying your bills on time! The excluded loans: Kwik Cash Loans, PayDay Loans, Share or Certificate Pledged Loans.
VISA Credit Card Program: NO annual fee, reasonable rate, and a chance to auto pay each month - your way!!! Check this out!!! Reduced rates on the Select Visa & Classic Visa have been reduced by 2%!! The rate is 9.9% Annual Percentage Rate on the Classic Visa. OPECU does not believe in playing around with the rate. We strive to give you the best rate right from the beginning. Isn't it time to switch?????
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