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* All rates effective October 23, 2017

Rates Calculator
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Loan Amount ($) No. of payments (Monthly) Rates (%) Payment
$0.00 +
Account Type Minimum Balance Term Rate APY**
Share (savings) $5.00 N/A 0.15% 0.15%
Share Draft (checking) N/A N/A 0.05% 0.05%
Money Market $2,500 – $9,999 N/A 0.15% 0.15%
Money Market $10,000 – $24,999 N/A 0.20% 0.20%
Money Market > $25,000 N/A 0.25% 0.25%
IRA Share1 $5.00 N/A 0.50% 0.50%
Share Certificates & IRA Certificates1 $1,000 6 months 0.20% 0.20%
Share Certificates & IRA Certificates1 $1,000 12 months 0.30% 0.30%
Share Certificates & IRA Certificates1 $1,000 24 months 0.40% 0.40%
Share Certificates & IRA Certificates1 $1,000 36 months 0.65% 0.65%
Share Certificates & IRA Certificates1 $1,000 48 months 0.80% 0.80%
Jumbo Certificates1 $75,000 Call for terms Call for rates Call for rates
** Annual Percentage Yield (APY)
1Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Loan Type Maximum Term APR as low as*
New/Used Auto Up to 36 months 1.79%*
  37 – 60 months 2.19%*
  61 – 84 months 2.89%*
RV New/Used Up to 36 months 3.50%*
  37 – 72 months 3.90%*
  73 – 144 months 4.65%*
Personal Up to 60 months 6.95%*
Overdraft Line of Credit Credit Line 15.0%*
Share Secured 5 Years 3.75%
Visa Credit Card Classic $4,999 limit 12.75%
Visa Credit Card Platinum $5,000 minimum 11.75%
Home Equity Fixed 5 Years – Up to 80% LTV1 3.99%*
  10 Years – Up to 80% LTV1 4.40%*
  15 Years – Up to 80% LTV1 4.80%*
Home Equity Fixed 5 Years – Up to 90% LTV1 4.49%*
  10 Years – Up to 90% LTV1 4.95%*
  15 Years – Up to 90% LTV1 5.30%*
Home Equity Line Of Credit (HELOC) 15 years 4.25%* Variable
Fixed Rate Mortgage First Mortgages, Purchase or Refinance, Fixed or Adjustable Rates Call for rates and terms
* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Ontario Shores FCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
1LTV – Loan to value – Percentage of appraised value less outstanding lien balance(s).

 

For a full listing of loan rates and terms, click HERE