800-552-6328 SEARCH Go to main content LOGIN OPEN AN ACCOUNT APPLY FOR Loan Rates | Loans & Credit Cards OHecu Loan Rates New Autos Effective Date: Tuesday, November 30th, 2021 Term Nominal Rate APR* Notes 2020 & Newer ‡ up to 72 Months 2.49% 2.71% 73-84 Months 3.49% 3.68% Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details. ‡ Automobiles titled less than 12 months and having less that 15,000 miles are eligible for New Auto Loan Rates. Used Autos Effective Date: Tuesday, November 30th, 2021 Term Nominal Rate APR* Notes 2019 & Newer up to 72 Months 2.49% 2.75% 73-84 Months 3.49% 3.68% 2016-2018 up to 60 Months 2.49% 2.92% 2014-2015 up to 48 Months 2.49% 3.14% 2012-2013 up to 48 Months 3.49% 4.30% 2011 & Older up to 48 Months 4.49% 5.47% Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details. College Graduate Auto Program Effective Date: Tuesday, November 30th, 2021 For recent college graduates who are employable but do not yet have a job. Term Nominal Rate APR* Notes New Auto - 2020 & Newer‡ up to 72 Months 3.49% 3.76% Used Auto - 2019 & Newer up to 72 Months 3.49% 3.76% Used Auto - 2016-2018 up to 60 Months 3.49% 3.93% Used Auto - 2014-2015 up to 48 Months 3.49% 4.14% Used Auto - 2012-2013 up to 48 Months 4.49% 5.31% Used Auto - 2011 & Older up to 48 Months 5.49% 6.48% Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Auto Loan disclosure for more details. ‡ Automobiles titled less than 12 months and having less that 15,000 miles are eligible for New Auto Loan Rates. Boat & RV Rates Effective Date: Tuesday, November 30th, 2021 Term Nominal Rate APR* Notes New Boat - 2020 & Newer 180 Months 4.00% 4.04% Up to $100,000 120 Months 4.50% 4.58% 72 Months 5.00% 5.19% Used Boat - 2012 & Newer 180 Months 4.50% 4.54% Up to $100,000 120 Months 5.00% 5.08% 72 Months 5.50% 5.69% New Recreational Vehicle - 2020 & Newer 180 Months 4.00% 4.04% Up to $150,000 120 Months 4.50% 4.58% 72 Months 5.00% 5.19% Used Recreational Vehicle - 2012 & Newer 180 Months 4.50% 4.54% Up to $100,000 120 Months 5.00% 5.08% 72 Months 5.50% 5.69% Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Boat & RV Loan Rates disclosure for more details. Motorcycle Rates Effective Date: Tuesday, November 30th, 2021 Term Nominal Rate APR* Notes New Motorcycle - 2020 & Newer up to 60 Months 4.49% 4.89% No down payment required Used Motorcycle - 2012 & Newer up to 60 Months 4.99% 5.39% No down payment required New Other Titled - 2020 & Newer (ATVs, Personal Watercraft, Trailers, etc.) up to 60 Months 5.75% 6.29% No down payment required New Other Titled - 2012 & Newer (ATVs, Personal Watercraft, Trailers, etc.) up to 60 Months 6.25% 6.79% No down payment required Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Motorcycle Loan Rates disclosure for more details. Consumer Loan Rates Effective Date: Tuesday, November 30th, 2021 Term Nominal Rate APR* Notes Shared Secured up to 84 Months 3.25% 3.50% Loans up to 95% of Pledged Shares. Prime Rate +0%. This rate may vary. Refer to loan agreement for rate calculation. VISA Platinum Card ---- Various Learn More Personal Term Loan up to 60 Months 7.99% 8.20% Personal Line-of-Credit N/A 14.50% 14.50% Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. Please see OHecu Consumer Loan Rates disclosure for more details. Student Loan Refinance CLICK HERE for current rates and online application. Mortgage Loan Rates Effective Date: Tuesday, November 30th, 2021 Term Rate* APR†† Notes Home Equity - Line of Credit (Variable Rate) Variable Rate (Based on Prime Rate + a margin. Refer to loan agreement for rate calculation.) 20 Year Max. 3.25% 3.25% Loan to Value† <=80% Prime Rate +0.00% (Minimum Rate of 3.25%) This rate may vary. 20 Year Max. 3.25% 3.25% Loan to Value† > 80% and <= 85% Prime Rate +0.50% (Minimum Rate of 3.25%) This rate may vary. 20 Year Max. 3.75% 3.75% Loan to Value† > 85% and <= 90% Prime Rate +1.00% (Minimum Rate of 3.25%) This rate may vary. Home Equity - Line of Credit (Fixed Rate) Fixed Rate 15 Year Max. 4.99% 4.99% Loan to Value† <=80% $10,000 Required Initial Draw Non-Owner Occupied - Home Equity Line of Credit Variable Rate (Based on Prime Rate + a margin). Refer to loan agreement for rate calculation.) 20 Year Max. 6.25% 6.25% Loan to Value† <=65% Prime Rate + 3.00% (Minimum Rate of 3.25%) This rate may vary. Apply Now * The best annual percentage rate available only to OHecu member with Tier A+ credit, with automated payment from your OHecu account. All loans subject to approved credit. † Loan to Value equals the percentage rate of the value of the house less any first mortgage. †† APR = Annual Percentage Rate is based on a $100,000 loan. First Mortgages Effective Date: Wednesday, January 20th, 2021 Various Fixed and Adjustable Rate Mortgages 180-Day Rate Lock Available Contact the Loan Application Department 1-800-552-6328 for current rates. Go to main navigation Join Online Today Becoming a member at OHecu has never been easier. Get Started Contact Us BRANCH & ATM LOCATIONS 800-552-6328 ROUTING NUMBER: 241075124 NMLS# 114702 Quick Links FREQUENTLY ASKED QUESTIONS REFER A FRIEND THE CREDIT UNION DIFFERENCE CALCULATORS DISCLOSURES PRIVACY NOTICE CAREERS SITE MAP Your deposits are insured to $250,000 per account. This institution is not federally insured. MEMBERS' ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY. 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