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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 4/21/2014.
Rate Description Term Payment Description APR APR Type
NEWER VEHICLES: 2011 - 2014 24 - 60/72 MONTHS 0.00% Fixed
Credit Rating A: Rates as loa as 24 Month (fixed or balloon) Per $1000: $42.65 fixed/$12.88 balloon 2.25% Variable
Credit Rating A: Rates as low as 36 Month (fixed or balloon) Per $1000: $28.75 fixed/$12.88 balloon 2.25% Variable
Credit Rating A: Rates as low as 48 Month fixed Per $1000: $21.92 2.50% Fixed
Credit Rating A: Rates as low as 60 Month fixed Per $1000: $17.86 2.75% Fixed
USED VEHICLES: 2007 - 2010 24 - 60/72 MONTHS 0.00% Fixed
Credit Rating A: Rates as low as 24 Month (fixed or balloon) Per $1000: $43.10 fixed/$13.33 balloon 3.25% Variable
Credit Rating A: Rates as low as 36 Month (fixed or balloon) Per $1000: $29.19 fixed/$13.33 balloon 3.25% Variable
Credit Rating A: Rates as low as 48 - 60 Month fixed Per $1000: $22.36 - $18.31 03.500 or 03.750 Fixed
OLDER USED VEHICLES 36 - 48 MONTHS DEPENDING ON YEAR OF VEHICLE 0.00% Fixed
Used 1999 - 2006/Credit Rating A: Rates as low as up to 48 Month fixed Per $1000: $22.92 - $23.37 04.750 or 05.750 Fixed
Used 1998 & older/CAll FOR QUOTE up to 36 Months fixed Per $1000: $30.77 6.75% Fixed
SIGNATURE/Call for quote/based on Credit Rating 12 - 60 Month fixed 0.00% Fixed
MORTGAGES MLO #810561 EQUITY 1ST & 2ND 0.00% Fixed
Equity 1st & 2nd Mortgage 5 year balloon CALL FOR RATES 0.00% Variable
PURCHASE $ MORTGAGES/CONSTRUCTION LOANS FIXED RATES WITH PARTNER - PLEASE CALL 0.00% Fixed
Share/Certificate Pledged 3% above yield/Call for quote 0.00% Fixed
Kwik Cash Line of Credit $3.00 per $100/minimum of $25.00 15.00% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 4/21/2014.
Rate Description Term Dividend Rates APY
$500 minimum 3 Months (90 Days) 0.15% 0.15%
$500 minimum 6 Months 0.20% 0.20%
$500 minimum 9 Months 0.25% 0.25%
$500 minimum 12 Months 0.35% 0.35%
$500 minimum 16 Months 0.40% 0.40%
$500 minimum 24 Months 0.50% 0.50%
$500 minimum 30 Months 0.55% 0.55%
$500 minimum 36 Months 0.65% 0.65%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 4/21/2014.
Rate Description Term Dividend Rates APY
Dividend Paid quarterly 0.15% 0.15%
2nd, etc. Savings Dividend Paid quarterly 0.15% 0.15%
Christmas Club Dividend Paid annually on Sept. 30 1.15% 1.15%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 4/21/2014.
Rate Description Term Dividend Rates APY
No IRAs at this time 0.00% 0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 4/21/2014.
Rate Description Term Dividend Rates APY
No dividends/no minimum No monthly fees 0.00% 0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

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Oshkosh Postal Employees Credit Union

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