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    Home > Personal Banking > Consumer Loans > Rates


    Consumer Loan Rates



    Home Equity Loan Effective 10/15/2014
    Loan Type Term APR
    Home Equity Loan (Fixed Rate) 60 months Rate as low as 2.99%
    Other rates and terms available up to 180 months
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Minimum loan amount equal to $7,500.00
    -Property insurance is required
    -Rates subject to change
    -No closing costs
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account

    Home Equity Line of Credit Effective 10/15/2014
    Loan Type Term APR
    Home Equity Line of Credit (Variable Rate) 120 Month Draw Prime plus 0% adjusted monthly
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Minimum loan amount equal to $7,500.00
    -Prime Rate is the highest Wall Street Journal Prime Rate.
    -Property insurance is required
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 3.25%, 120 monthly interest payments of $2.67 per $1,000.00 financed (Home Equity Line of Credit)
    -APR of 4.0%, 180 monthly amortizing payments of $7.40 per $1,000.00 financed (Home Equity Line of Credit)
    -Customers with direct deposit of payroll eligible for additional discount

    Auto Loan Effective 10/15/2014
    Year of Auto Term APR
    2014-2012 63 months 2.74%
    66 months 3.00%
    72 months 3.25%
    2011-2008 60 months 3.75%
    66 months 4.00%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 6.0%, 60 monthly payments of $19.33 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal

    Motorcycle Effective 10/15/2014
    Vehicle Year Term APR
    2014-2012 60 months 3.00%
    2011-2008 60 months 4.00%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 4.0%, 60 monthly amortizing payments of $18.52 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal

    Boats, RVs, Campers Effective 10/15/2014
    Vehicle Year Term APR
    2014-2012 up to 240 months Rate as low as 4.75%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 4.75%, 60 monthly amortizing payments of $18.77 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal
    -Minimum loan amount equal to $5,000.00

    Other Loans Secured by Consumer Goods Effective 10/15/2014
    Term APR
    60 months 5.75%
    48 months 5.25%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 5.75%, 60 monthly amortizing payments of $19.23 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal

    Personal Loan Effective 10/15/2014
    Loan Type Term APR
    Personal Unsecured 60 months 7.75%
    Loan Secured with OSB Deposit Account
    or Other Cash Equivalents
    Interest Only - 24 months
    60 months P & I
    WSJ Prime
    3.25%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 5.0%, 24 monthly interest payments of $4.11 per $1,000.00 financed
    -APR of 3.25%, 60 monthly amortizing payments of $18.09 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
    -APR assumes direct deposit to OSB checking account and automatic payment withdrawal


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