Holiday Loan rates are fixed and based on your credit tier. As of November 1, 2025, the fixed APRs for personal loans are: 7.99% APR, 9.49% APR, 10.99% APR, and 12.99% APR.
Your exact rate will be determined during the application process based on creditworthiness and eligibility.

The Holiday Loan works similarly to our Signature Loan, but it is a seasonal offer available only from November 1 through January 31, with fixed rates and loan amounts up to $5,000. It includes the same benefits, such as no prepayment penalties and eligibility for the Skip-a-Payment program.

Most applications receive a decision within 24 hours, as long as all required information is complete. Funding is usually available within 48 hours after approval. Processing times may vary based on application volume or documentation requirements.

Not all international members qualify. Only members who belong to specific eligible employer groups (SEGs) outside the U.S. may apply for unsecured loans such as the Holiday Loan.

This includes members affiliated with organizations such as:

• OAS (Organization of American States)
• CAF (Development Bank of Latin America)
• IICA (Inter-American Institute for Cooperation on Agriculture)

Eligibility also depends on meeting standard credit requirements and maintaining your membership in good standing.

Yes. You can consolidate multiple credit card balances or personal loans into a single fixed monthly payment. This can help simplify your finances and provide more predictability during the holiday season and into the new year.

Yes, this loan qualifies for our Skip-a-Payment program.

With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it’s most convenient for you.

To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.

Please note: Skipping payments does not defer interest. Interest will continue to accrue on the outstanding principal balance during the skipped payment period, which may result in higher total finance charges. Loan maturity dates may also be extended. Other terms and conditions may apply.

You may establish automatic payments from any of your OAS FCU accounts in the follong ways:

• Via payroll deduction (for OAS Staff and IICA Staff)
• Making or scheduling payments from your Online Banking either from your OAS FCU accounts or from the linked accounts from other financial institutions
• Sending a check by mail
• Establishing an ACH from another financial institution

We never charge a fee for applying, originating, making prepayments or paying your loan off early.

Your funds will be directly deposited into your OAS FCU Checking account.

Yes, you can. For more information or to submit your application email us at: [email protected].