Loan Rates

*Rates subject to change without notice. Approval rate based on credit score, account relationship, LTV, model year, and loan term. Minimum loan amounts may apply. For full details contact our loan officer. Rates based on term, credit score, and relationship with OTCU.

TYPE      
CONSUMER LOANS TERM RATE NOTES
Auto / Truck / Motorcycle      
2 years and newer Up to 84 months 2.39% to 13.89% APR  
3 to 6 years Up to 66 months 2.69% to 13.69% APR  
7 years and older Up to 60 months 3.69% to 17.19% APR Term depends on age of vehicle.
       
Boat / RV / Camper / Motorhome TERM RATE NOTES
6 years and newer Up to 120 months 2.69% to 13.69% APR Term based on loan amount and credit score.
  120 month balloon 5.44% to 7.19% APR $25k min, amortize up to 180 months
7 years and older     Contact us for rates and terms.
       
Snowmobile / Jet Ski / ATV TERM RATE NOTES
4 years and newer Up to 60 months 4.69% to 15.69% APR  
5 years and older Up to 36 months 5.69% APR & higher  
6 years and older     Contact us for rates and terms.
       
Share Secured Up to 60 months Lowest rate to match your term.  
       
Signature / Personal Up to 48 months 5.89% to 18.89% APR  
       





TYPE      
CREDIT CARDS & LINES OF CREDIT TERM RATE NOTES
Visa Platinum Credit Cards   Rate based on credit score. The better your score, the lower your rate! Credit Limits up to $20k
MyRate Card Open End 8.95% to 17.95% Limit depends on credit score and debt ratio.
MyRewards Card Open End 10.95% to 17.95% Limit depends on credit score and debt ratio.
       
Lines of Credit      
Kwik Cash Line of Credit Open End 15.00% APR Limit depends on credit score and debt ratio.
Overdraft Line of Credit Open End 15.00% APR Limit depends on credit score and debt ratio.
       





TYPE      
MORTGAGE/HOME EQUITY AMORTIZATION TERM MIN/MAX AMOUNTS CREDIT SCORE
1st Mortgage 80% LTV   Minimum loan amount depends on amortization term.  
62 month or 7 year balloon Up to 30 years $10k/$250k 600 & over
10 year fixed 120 months $10k/$250k 690 & over
15 year fixed 180 months $15k/$250k 690 & over
       
1st Mortgage 90% LTV      
62 month balloon Up to 30 years $30k/$250k 600 & over
       
2nd Mortgage 80% LTV      
62 month or 7 year balloon Up to 30 years $10k/$250k 600 & over
       
2nd Mortgage 90% LTV      
62 month or 7 year balloon Up to 30 years $10k/$250k 600 & over
       


Mortgage rates change weekly. Please call Linda @ 920-233-2611 ext 216 for current rates.

Linda Hurkman NMLS # 658562

Oshkosh Truck Credit Union NMLS # 653534

Loan Payment Calculator

Use our loan calculator to help you determine the loan financing amount and payment options that are best for you.

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