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Making a Positive Difference in our Neighbors' Lives


Consumer and Auto Loans at OHCU

Car & Vehicle Loans

Cars, Trucks, Vans, or SUVs we finance them all to fit your needs!  New and used auto financing is available. Rates are currently as low as 4.75% APR.*  Terms range from 12 months to 84 months. Rates are determined by credit score, term, and age of collateral. Loans are subject to approval and restrictions do apply.

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In addition to our competitive loan rates, we offer additional insurance products to protect your valuable investment. 


*APR = Annual Percentage Rate.

Motorcycle, Boats & RV Loans

By land, sea, or open road, we offer financing for new or used Motorcycles, Boats, and RVs so you can get out and go! Rates are determined by credit score, term, and age of collateral. Loans are subject to approval and restrictions do apply.

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Personal Loans

Whether you find a great deal, want to take a trip, or need a little cash in a pinch, we’ll get you the cash you need in a cinch! We offer a variety of personal loans with several financing options. Rates are determined by loan type, credit score, and term. Loans are subject to approval and restrictions do apply.

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Credit Card Options

OHCU’s Visa Platinum Credit Card*
Variable interest rates as low as 9.49% up to 17.99%**:                      

  • Credit Limits as low as $500 to $15,000 (based on income and credit/restrictions apply)
  • Variable rate tied to the Wall Street Journal Prime Interest Rate
  • This credit card is a no-frills/no-rewards/lower interest rate/local credit card program.
  • OHCU is able to offer lower than average variable interest rates on its Visa Platinum credit card because we service it in house and do not offer costly rewards programs for our Visa Platinum credit card

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*OHCU Visa Platinum Cards are subject to approval and restrictions do apply
** Interest rate based on credit score

OHCU’s Visa Platinum – Balance Transfer Fees:

  • Currently waiving 3% Balance Transfer fee!  The standard balance transfer fee is 3% of the amount of each transfer specified in your Consumer Credit Card Agreement.
  • Information regarding the terms related to a balance transfer can be found in your Consumer Credit Card Agreement and Credit Card Account Opening Disclosure.
  • You cannot avoid interest on new purchase you make unless you pay your entire balance in full each month. 
  • A fee is assessed each time a payment or a balance transfer check is declined or returned because of insufficient available credit. 

Methods of and Completing Balance Transfers on OHCU’s Visa Platinum Credit Card:

  • You can initiate a balance transfer coming into a local OHCU branch location and working with a Branch Service Representative.  You can also initiate a balance transfer by calling OHCU or via OHCU Online Banking.
  • It takes approximately 7 to 10 business days to process a balance transfer request.  This is customary processing times in the Visa Platinum business model with all lenders.  You should allow additional time for the creditor to receive the funds and credit your other account.  Please continue to make payments to your other creditor to avoid late fees.
  • We will begin charging interest on balance transfers as of the later of the transaction date or the first day of the billing period in which the transfer posts to your account.

Which accounts are eligible to transfer to my OHCU Visa Platinum Credit Card:

Eligible accounts include, but are not limited to:

Credit Cards

  • Visa (other than OHCU Visa Platinum Credit Cards)
  • MasterCard
  • American Express
  • Department Store Cards
  • Gas Cards

Loans Originated From Another Financial Institution

  • Auto Loans
  • Personal Loans
  • Home Loans
  • Student Loans
  • Home Equity Loans