Our Rates

Oahe Federal Credit Union

Auto Loan Rates

Effective Dec 1, 2017 APR = Annual Percentage Rate

2018-2016 New/Nearly New Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.2.19%2.44%3.15%3.65%4.65%6.65%
36 mo.2.59%2.84%3.25%3.75%4.75%6.75%
48 mo.2.64%2.89%3.35%3.85%4.85%6.85%
60 mo.2.74%2.99%3.45%3.95%4.95%6.95%
66 mo.2.99%3.24%3.55%4.05%5.05%7.05%
72 mo.2.99%3.24%3.65%4.15%5.15%7.15%
84 mo.
$25,000 – over
3.74%3.99%4.65%5.15%6.15%8.15%

2015 - 2013 Used Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.
2015 thru 2013
2.74%2.99%3.65%4.15%5.15%7.15%
36 mo.
2015 thru 2013
2.84%3.09%3.75%4.25%5.25%7.25%
48 mo.
2015 thru 2013
2.89%3.14%3.85%4.35%5.35%7.35%
60 mo.
2015 thru 2013
2.93%3.18%3.95%4.45%5.45%7.45%
66 mo.
2015 thru 2013
3.14%3.39%4.05%4.55%5.55%7.55%
72 mo.
2015 thru 2013
3.24%3.49%4.15%4.65%5.65%7.65%

2012 thru 2010 Used Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.
2012 thru 2010
2.99%3.24%3.99%4.80%5.80%7.80%
36 mo.
2012 thru 2010
3.14%3.39%4.14%4.85%5.85%7.85%
48 mo.
2012 thru 2010
3.19%3.44%4.19%4.90%5.90%7.90%
60 mo.
2012 thru 2010
3.29%3.54%4.29%4.95%5.95%7.95%
66 mo.
2012 thru 2010
3.79%4.04%4.79%5.00%6.00%8.00%

2009 7 Older Used Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
Up to 48 mo.
2009 & Older
4.20%4.45%4.70%5.20%6.20%8.20%

**Rates below include a ½% discount for payroll deduction or automatic payment from an active share draft (checking) account with us.

Rates below apply on borrowing 115%, not to exceed 115% of sticker price or 115% of NADA Book Value. GAP insurance will be required for any loans over 100% and are subject to approval.

If you had a bankruptcy that shows up on your credit file you will be charged a 1% higher rate than shown below depending on your credit score unless you re-affirmed your prior debt with us.

Rates are subject to change.

*Did you or can you get a lower rate at another financial institution? No problem! We can MATCH their rate! Floor rate does apply and only available on collateralize loans. Help keep it local! Please call Julia or Jaymason for details at 605-224-6264.*

Recreational Loan Rates

Effective Dec 1, 2017 APR = Annual Percentage Rate

2018-2016 New/Nearly New Recreational Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.2.19%2.44%3.15%3.65%4.65%6.65%
36 mo.2.59%2.84%3.25%3.75%4.75%6.75%
48 mo.2.64%2.89%3.35%3.85%4.85%6.85%
60 mo.2.74%3.99%3.45%3.95%4.95%6.95%
66 mo.2.99%3.24%3.55%4.05%5.05%7.05%
72 mo.2.99%3.24%3.65%4.15%5.15%7.15%
84 mo.
$25,000 – over
3.74%3.99%4.65%5.15%6.15%8.15%

2015 thru 2013 Recreational Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.
2015 thru 2013
2.74%2.99%3.65%4.15%5.15%7.15%
36 mo.
2015 thru 2013
2.84%3.09%3.75%4.25%5.25%7.25%
48 mo.
2015 thru 2013
2.89%3.14%3.85%4.35%5.35%7.35%
60 mo.
2015 thru 2013
2.93%3.18%3.95%4.45%5.45%7.45%
66 mo.
2015 thru 2013
3.14%3.39%4.05%4.55%5.55%7.55%
72 mo.
2015 thru 2013
3.25%3.49%4.15%4.65%5.65%7.65%

2012 thru 2010 Recreational Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
24 mo.
2012 thru 2010
2.99%3.24%3.99%4.80%5.80%7.80%
36 mo.
2012 thru 2010
3.14%3.39%4.14%4.85%5.85%7.85%
48 mo.
2012 thru 2010
3.19%3.44%4.19%4.90%5.90%7.90%
60 mo.
2012 thru 2010
3.29%3.54%4.29%4.95%5.95%7.95%
66 mo.
2012 thru 2010
3.79%4.04%4.79%5.00%6.00%8.00%

2008 & Older Recreational Vehicles

Beacon Score:
# of Mo.
760+
Tier 1 APR
759 – 720
Tier 2 APR
719 – 680
Tier 3 APR
679 – 640
Tier 4 APR
639 – 600
Tier 5 APR
599 >
Tier 6 APR
Up to 48 mo.
2008 & Older
4.20%4.45%4.70%5.20%6.20%8.20%

**Rates below include a ½% discount for payroll deduction or automatic payment from an active share draft (checking) account with us.

Rates below apply on borrowing 115%, not to exceed 115% of sticker price or 115% of NADA Book Value. GAP insurance will be required for any loans over 100% and are subject to approval.

If you had a bankruptcy that shows up on your credit file you will be charged a 1% higher rate than shown below depending on your credit score unless you re-affirmed your prior debt with us.

Rates are subject to change.

Unsecured Loans

When things in life happen, let us help….

  • New Arrival Loan (to set up that nursery)
  • Back to School Loan (school clothes, school supplies)
  • Prom Loan (get that dress or tux you have been eyeing)
  • Graduation Loan (congratulation celebration)
  • Getting Started on Your Own Loan (a bed, furniture, tv, rent deposit, etc.)
  • Wedding Loan (get that dress of your dreams, pay for a reception)
  • Honeymoon Loan (how about a nice sandy beach)
  • Down Payment on a House Loan
  • Anniversary Loan (take a Caribbean or an Alaskan Cruise)
  • Special Event Loan
  • Unexpected Death Loan
  • Credit Card/debt Consolidation Loan

Maximum limit $10,000 7.9% to 13.90% based on credit history +1% if there is a bankruptcy on file Terms up to 60 months. APR = Annual Percentage Rate

Home Equity Rates

(NMLS#439278)

We offer a lower rate for 1st lien home equity loans. Rates are a based on the term, amount financed and the tax assessed value. Rates change weekly. Please call and speak to one of our home equity specialist for more details.

For 2nd liens if you borrow 80% of tax assessment minus the balance of the first mortgage up to 5 years – 4.99% over 5 years to 10 years – 5.74%. Borrow 90% of tax assessment minus the balance of the first mortgage up to 5 years – 5.74% over 5 years to 10 years – 6.74%.

If borrowing $10,000.00 or more – NO CLOSING COSTS.

For a Home Equity loan application please call 224-6264 or stop by the office at 124 S. Euclid Avenue.

Rates are subject to change.

Savings/Share Certificate Rates

Shares

Effective January 1, 2017 (APY = Annual Percentage Yield)
Share RatesAPY
Shares0.15%
Christmas0.25%
IRA Shares0.30%

Share Certificate

Effective January 1, 2017 (APY = Annual Percentage Yield)
Certificate of DepositsAPY
6 months
$500 Minimum
0.25%
1 Year
$500 Minimum
0.30%
2 Year
$500 Minimum
0.45%

IRA Certificate

Effective March 1, 2016 (APY = Annual Percentage Yield)
IRA CertificateAPY
1 Year Auto Renewal
$1,000 Minimum
0.35%

Education IRA Certificate

Effective January 1, 2017 (APY = Annual Percentage Yield)
Education IRA CertificateAPY
1 Year Auto Renewal
$500 Minimum
0.35%

Oahe FCU Visa Credit Card

Oahe Federal Credit Union’s Visa Credit Card offers you a great low rate of 9.90% APR.

  • Rate is the same for balance transfers, cash advances and purchases.
  • There are no monthly or annual fees.
  • Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on your purchases if you pay your entire balance by the due date (Grace Period) each month. That’s right you have the chance of never paying interest on your purchases!
  • We offer Cash Back Rewards on your Visa credit card so every time you use it we will pay you for using it.
  • We offer Credit Life and Disability Insurance on your card in case of an unexpected death or injury. To help protect you and your family, in the event of an unforeseen injury, medical – related illness or unexpected death, having Credit Life and Credit Disability Insurance helps you pay on your credit card balance so you or your loved ones don’t have to.
    • Credit Life Insurance pays off or reduces the balance owed on the credit card in the event of members’ death.
    • Credit Disability will cover your monthly payment in the event that you are totally disabled due to illness or medical injury until you have fully recovered.
  • You have the convenience of making your payments at our office or through the website www.ezcardinfo.com.
  • Paperless statements are also available.
  • *Click to review our credit card rates and terms.

Call 605-224-6264 for an application or stop by our office at 124 S. Euclid Avenue, Pierre, SD.

Other Oahe FCU Loans

  • Christmas Loans (Available October -January)
  • Share and Certificate Secured Loans
  • New Road Loans (Credit Re-Builder Loan)
  • Furniture/Appliance Loans

What's your credit look like?

Did you know according to Fact Act, you are entitled to a FREE credit report every 12 months?
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