Make the holidays lighter - and the new year clearer
Our Holiday Loan is designed to help you enjoy the season without financial stress. Whether you’re traveling to see family, planning celebrations, or looking to start the new year with more clarity and less financial pressure, you can borrow up to $5,000 with a fixed monthly payment and flexible options that adapt to your rhythm.
You can repay early without penalties, skip up to two payments per year³, and choose a term that fits your budget — up to 24 months. Payments can be made online, by mail, or through automatic transfers.
More clarity: fixed rates1 between 7.99% and 12.99% APR*.
More flexibility: terms2 up to 24 months; no prepayment penalties.
* This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.
** APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.
***Fixed rate limited time offer loans.
Personal Loans
Type of Loan
APR*
Term
Loan amount
Green Loan
8.44%**
Up to 42 months
Up to $15,000
Signature
9.75% - 18.00%
Up to 6 years
Up to $35,000
Deposit Secured (Shares and Share Certificates)
2.5% above the rate paid on deposit pledge
Up to 10 years
Available balance on deposit pledge
Post-Secondary
Education Loan
7.75% - 9.75%
Up to 4 years
Up to $15,000
International Personal Loan
16.75%***
Up to 3 years
Up to $5,000
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
** This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.
****This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. Based on the results of your credit evaluation, and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers’ relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months.
Sample repayment schedule: the monthly payment for a 3-year loan with a 16.75% rate would be $35.53 for every $1,000 borrowed.
This sample repayment schedule applies also to the International Personal Loan
OAS, IICA & Other SEGs
Type
APR*
Terms
Loan Amount
OAS Retirement & Pension Plan
6.25%
Up to 15 years
Up to $65,000
IICA Recognition of Years of Service
6.25%
Up to 15 years
Up to 100% of accrued benefit
CAF Recognition for Years of Service
6.25%
Up to 15 years
Up to $35,000
OAS Benefits
8.75%
Up to 10 years
Up to $10,000
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Sample payment: For a loan of $1,000 at 6.25% interest for 36 months, the monthly payment would be approximately $30.54.
Credit Cards
Type
APR*
Credit Limit
VISA Platinum
12.25% - 15.25%
Up to $30,000
VISA Classic
10.25% - 16.25%
Up to $10,000
Balance Transfer(1)
2.25%
Up to available credit
* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.
FAQs
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.
Fees
Loan Fees
Processing vehicle titles
$50 + DMV cost
Skip-a-Payment
$5 each loan
GAP Insurance fee
One time fee of $450
Single debit origination to pay for a loan
No charge
Recurrent monthly debit origination to pay for loan
No charge
Late fee for consumer loans
4% of the monthly payment after 30 days past due
Late fee for HELOCs
4% of the monthly payment after 10 days past due
Late fee for mortgages
5% of the monthly payment after 15 days past due
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