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Annual Percentage Rates (APR) and Annual Percentage Yields (APY) are effective 07/26/10 and are subject to change.
Fees
For a PDF version of our deposit rates, and rate and fee schedule, click here.
For a PDF version of our business deposit rates, and rate and fee schedule, click here.
For a PDF version of our loan rates, click here.
Check out these great rates!
Loan Rates
VEHICLE LOANS
VISA CREDIT CARDS1
SIGNATURE LOANS
SAVINGS SECURED LOAN
OVERDRAFT LINE OF CREDIT1
HOME EQUITY LINE OF CREDIT2
(Variable rate, interest only)
HOME EQUITY LOANS (Fixed rate)
*APR means Annual Percentage Rate.
1 Rate is determined by adding the margin to the Prime Rate as published in the Wall Street Journal on the last business day of the month preceding an interest adjustment date: January 1, April 1, July 1 and October 1.
2 All lines of credit have a maximum term of 7 years; rates subject to change on the first of every month; rate is determined by adding the margin to the Prime Rate as published in the Wall Street Journal on the last business day of the previous month; maximum rate is 18.0% APR, minimum rate is 4.0%. Sample payment: For every $1,000 borrowed @ 4.99% APR for 60 months, your monthly payment would be $18.87 (rate may be increased after consummation, if applicable).
Oak Trust may waive your obligation to pay some or all of third-party fees associated with your home equity line of credit. If Oak Trust does pay any of these fees, and you close your home equity line of credit plan within two years of the opening date, you will be required to reimburse Oak Trust for the third-party fees paid by Oak Trust. The amount of the fees paid on your behalf, if any, will be disclosed to you with your home equity line of credit documentation.
3 Up to 20-year amortization.
Savings & Investment Rates
SAVINGS1
INDIVIDUAL RETIREMENT ACCOUNT (IRA)2
MONEY MARKET7
CERTIFICATE OF DEPOSIT9
CHECKING
**APY means Annual Percentage Yield
1 There is a minimum opening balance of $5 that must be maintained to keep the account open. Each quarter, an average daily balance of $100 must be maintained to obtain the disclosed APY; no dividends are earned during any quarter the average daily balances falls below $100.
2 There is a minimum opening balance of $50. Each month, and average daily balance of $50 must be maintained to obtain the disclosed APY; no dividends are earned during any month that the average daily balance falls below $50, and the account will be subject to closure.
3 There is a minimum opening balance of $25; there is no monthly minimum balance.
4 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $2,500, OR a combined deposit and loan (not including Visa) balance of $7,500 must be maintained.
5 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $7,500, OR a combined deposit and loan (not including Visa) balance of $30,000 must be maintained.
6 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $5,000 must be maintained.
7 There is a minimum opening balance of $2,500; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, an average daily balance of $2,500 must be maintained.
8 There is a minimum opening balance of $25; each month, an average daily balance of $10,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $10,000. To avoid a $15 monthly fee, an average daily balance of $10,000 must be maintained.
9 All certificates: The disclosed minimum balance is required to open and maintain the certificate. The disclosed APY assumes the minimum balance. Dividends on certificates are earned from date of deposit, and paid monthly and on the date of maturity unless otherwise disclosed. A withdrawal will reduce earnings. Any penalties for early withdrawals also will reduce earnings, and may reduce the principal balance. Rates are subject to change without notice.
Fees
For a PDF version of our deposit rates, and rate and fee schedule, click here.
For a PDF version of our business deposit rates, and rate and fee schedule, click here.
For a PDF version of our loan rates, click here.
Check out these great rates!
Loan Rates
VEHICLE LOANS
| Account Type | Term | APR* (as low as) |
| Auto Loans | ||
| New Auto 2009 or newer | up to 36 months | 4.49% |
| 37 - 66 months | 5.49% | |
| 67 - 84 months | 6.49% | |
| Used Auto 2008 or 2007 | up to 60 months | 5.49% |
| Used Auto 2006 or 2005 | up to 60 months | 6.49% |
| Used Auto 2004 or older | up to 48 months | 7.49% |
| Boat & RV Loans | ||
| New Boat or RV 2009 or newer | up to 66 months | 5.75% |
| up to 72 months | 6.49% | |
| up to 73-180 months | 7.99% | |
| Used Boat or RV 2008 or 2007 | up to 60 months | 5.75% |
| Used Boat or RV 2006 or 2005 | up to 60 months | 6.49% |
| Used Boat or RV 2004 or older | up to 48 months | 7.49% |
| Used Boat or RV 2008 or older | 61-180 months | 8.99% |
| Motorcycle Loans | ||
| New Motorcycle 2009 or newer | up to 60 months | 8.49% |
| New Motorcycle Less than $8,000 | up to 60 months | 11.49% |
| Used Motorcycle 2008 or 2007 | up to 60 months | 9.49% |
| Used Motorcycle 2006 or 2005 | up to 60 months | 10.49% |
| Used Motorcycle 2004 or older | up to 48 months | 11.49% |
| Used Motorcycle less than $8,000 | up to 60 months | 11.74% |
VISA CREDIT CARDS1
| Account Type | APR* (as low as) |
| Platinum Plus (variable rate): Prime + 6.5% | 9.75% |
| Platinum (variable rate): Prime + 10.5% | 13.75% |
SIGNATURE LOANS
| Account Type | Term | APR* (as low as) |
| Signature Loan (ex. unsecured personal loans, computer loans, consolidation of bills) |
up to 36 months | 10.75% |
SAVINGS SECURED LOAN
| Account Type | Term | APR* (as low as) |
| Savings Secured Loan (Oak Trust Savings Account) | up to 24 months | 3.00% |
OVERDRAFT LINE OF CREDIT1
| Account Type | APR* (as low as) |
| Overdraft Line of Credit (variable rate): Prime + 8% | 12.50% |
HOME EQUITY LINE OF CREDIT2
(Variable rate, interest only)
| Up to 80% combined loan-to-value | APR* (as low as) |
| $25,000 or more: Prime Plus - 0.75% | 5.00% |
| $10,000-$24,999: Prime Plus - 1.25% | 5.50% |
HOME EQUITY LOANS (Fixed rate)
| Up to 80% Combined Loan-to-Value | Terms | APR* (as low as) |
| $10,000-$400,000 | up to 60 months | 5.75% |
| $10,000-$400,000 | 61-120 months | 7.00% |
| $10,000-$400,000 | 121-180 months | 7.75% |
| $10,000-$400,000 | 7 year balloon* | 6.50% |
*APR means Annual Percentage Rate.
1 Rate is determined by adding the margin to the Prime Rate as published in the Wall Street Journal on the last business day of the month preceding an interest adjustment date: January 1, April 1, July 1 and October 1.
2 All lines of credit have a maximum term of 7 years; rates subject to change on the first of every month; rate is determined by adding the margin to the Prime Rate as published in the Wall Street Journal on the last business day of the previous month; maximum rate is 18.0% APR, minimum rate is 4.0%. Sample payment: For every $1,000 borrowed @ 4.99% APR for 60 months, your monthly payment would be $18.87 (rate may be increased after consummation, if applicable).
Oak Trust may waive your obligation to pay some or all of third-party fees associated with your home equity line of credit. If Oak Trust does pay any of these fees, and you close your home equity line of credit plan within two years of the opening date, you will be required to reimburse Oak Trust for the third-party fees paid by Oak Trust. The amount of the fees paid on your behalf, if any, will be disclosed to you with your home equity line of credit documentation.
3 Up to 20-year amortization.
Savings & Investment Rates
Did you know your deposits are federally insured up to $250,000 and backed by the full faith of the U.S. Government? We are safe, sound, and ready to serve you with smart, simple solutions. Click here for more information and a quick video message from NCUA about the safety and soundness of your credit union! |
SAVINGS1
| Account Type | Dividend Rate | APY** |
| Primary Savings | 0.05% | 0.05% |
| Club Savings | 0.10% | 0.10% |
| Business Primary and Club Savings | 0.05% | 0.05% |
INDIVIDUAL RETIREMENT ACCOUNT (IRA)2
| Deposit Amount | Dividend Rate | APY** |
| $0 thru $999.99 | 0.05% | 0.05% |
| $1,000 thru $9,999.99 | 0.10% | 0.10% |
| $10,000 or more | 0.25% | 0.25% |
MONEY MARKET7
| Average Daily Balance | Dividend Rate | APY** |
| $1,000.00 - $24,999.99 | 0.05% | 0.05% |
| $25,000.00 - $99,999.99 | 0.25% | 0.25% |
| $100,000.00 or more | 0.35% | 0.35% |
CERTIFICATE OF DEPOSIT9
| Terms | Dividend Rate | APY** |
| $500 minimum deposit | ||
| 6-month | 0.20% | 0.20% |
| 12-month | 0.50% | 0.50% |
| 24-month | 1.00% | 1.00% |
| 36-month | 1.49% | 1.50% |
| 48-month | 1.49% | 1.50% |
| 60-month | 1.98% | 2.00% |
CHECKING
| Account Type | Average Daily Balance | Dividend Rate | APY** |
| Free Checking3 | $0.00 | N/A | N/A |
| Gold Checking4 | $1,000.00 | 0.01% | 0.01% |
| Reward Checking5 | $1,000.00 | 0.02% | 0.02% |
| Platinum Plus Money Market Checking6 | |||
| $1,000.00 - $9,999.99 | 0.05% | 0.05% | |
| $10,000 - $49,999.99 | 0.15% | 0.15% | |
| $50,000 or more | 0.25% | 0.25% | |
| Free Business Checking3 | $0.00 | N/A | N/A |
| Business Checking8 | |||
| $10,000.00 - $24,999.99 | 0.05% | 0.05% | |
| $25,000 thru $49,999.99 | 0.10% | 0.10% | |
| $50,000 or more | 0.25% | 0.25% |
**APY means Annual Percentage Yield
1 There is a minimum opening balance of $5 that must be maintained to keep the account open. Each quarter, an average daily balance of $100 must be maintained to obtain the disclosed APY; no dividends are earned during any quarter the average daily balances falls below $100.
2 There is a minimum opening balance of $50. Each month, and average daily balance of $50 must be maintained to obtain the disclosed APY; no dividends are earned during any month that the average daily balance falls below $50, and the account will be subject to closure.
3 There is a minimum opening balance of $25; there is no monthly minimum balance.
4 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $2,500, OR a combined deposit and loan (not including Visa) balance of $7,500 must be maintained.
5 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $7,500, OR a combined deposit and loan (not including Visa) balance of $30,000 must be maintained.
6 There is a minimum opening balance of $25; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, a checking average daily balance of $5,000 must be maintained.
7 There is a minimum opening balance of $2,500; each month, an average daily balance of $1,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $1,000. To avoid a $15 monthly fee, an average daily balance of $2,500 must be maintained.
8 There is a minimum opening balance of $25; each month, an average daily balance of $10,000 must be maintained to obtain the disclosed APY; no dividends are earned during any month the average daily balance falls below $10,000. To avoid a $15 monthly fee, an average daily balance of $10,000 must be maintained.
9 All certificates: The disclosed minimum balance is required to open and maintain the certificate. The disclosed APY assumes the minimum balance. Dividends on certificates are earned from date of deposit, and paid monthly and on the date of maturity unless otherwise disclosed. A withdrawal will reduce earnings. Any penalties for early withdrawals also will reduce earnings, and may reduce the principal balance. Rates are subject to change without notice.
 Oak Trust Credit Union is federally insured by the National Credit Union Administration |
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