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    Home > Rates > Consumer Loans


    Consumer Loan Rates



    Auto Loan Effective 5/15/2013
    Year of Auto Term APR
    2013-2010 63 months 3.25%
    66 months 3.50%
    72 months 3.75%
    2009-2007 60 months 4.25%
    66 months 4.50%
    2006 & older 48 months 7.00%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
    -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

    Home Equity Effective 5/15/2013
    Loan Type Term APR
    Home Equity Line of Credit (Variable Rate) 120 Month Draw Prime plus 0% adjusted monthly
    Home Equity Loan (Fixed Rate) Terms up to
    180 months    		 Rate as low as 4%
    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 for Home Equity Loan and Home Equity Line of Credit
    -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)
    -APR of 4.5%, 60 monthly amortizing payments of $18.64 per $1,000.00 financed (Home Equity Loan)

    Personal Loan Effective 5/15/2013
    Loan Type Term APR
    Personal 60 months 8.90%
    Passbook Loan OSB Deposit Account Interest Only-24 months Prime Plus 0.50% adjusted quarterly
    Passbook Loan OSB Deposit Account P & I - Amortizing 60 months 3.50%
    Securities and Cash Equivalents Interest Only-24 months Amortizing-60 months Prime Plus 1.0% adjusted quarterly
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 9.5%, 36 monthly amortizing payments of $32.03 per $1,000.00 financed
    -APR of 5.0%, 24 monthly interest payments of $4.11 per $1,000.00 financed
    -APR of 5.0%, 60 monthly amortizing payments of $18.87 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account

    Recreational Vehicle Effective 5/15/2013
    Type of Vehicle Vehicle Year Term APR
    Motorcycles 2013-2010 60 months 6.75%
    2009-2007 48 months 7.00%
    2006 & Older 48 months 7.50%
    Snowmobiles, ATVs, Jet Skis, Dirtbikes, etc 2013-2011 48 months 8.50%
    2010 & Older 36 months 8.75%
    Boats, RV & Campers 2013-2011 60 months 6.75%
    120 months 7.50%
    2010-2009 60 months 7.75%
    2008 & Older 60 months 8.50%
    Notes:  -Annual Percentage Rate (APR) based upon excellent credit history
    -1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
    -Maximum rate charged is 16.0%
    -Rates subject to change
    -APR of 9.5%, 120 monthly payments of $12.94 per $1,000.00 financed
    -APR of 8.5%, 60 monthly payments of $20.52 per $1,000.00 financed
    -Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account
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