¹APR is Annual Percentage Rate. All loans are subject to application, credit qualification, income verification, and approval. Not all applicants will qualify for the lowest rate. APR may vary and is determined by your credit qualifications. APR includes 0.25% discount for automatic payments via an Orange County’s Credit Union checking/savings account or payroll deduction. Loans without automatic payments from a checking/savings account will be 0.25% higher.

²Payments calculated on minimum loan amount of $500

Vehicles with more than 5,000 miles will be classified as used auto.  Minimum vehicle year is 2018.

¹APR = Annual Percentage Rate. The approximate payment per $1,000 on a new and used auto loan with a 48-month term at 5.49% APR is $23.26. All rates include a 0.25% discount for automatic payments. APRs for loans without automation payments or if automatic payment is discontinued will be 0.25% higher.

We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

No Salvaged, Classic, Gray Market or Lemon Law Buy Back vehicles. Please contact Credit Union for details. 

There's a $50 fee for an OCCU Auto Refinance. There's a $25 fee for all Private Party Transactions. These fees are included in the APR calculation.

NOTE: Rates listed are for personal vehicles loans. For commercial vehicles or vehicles financed for business use or under a business name, please click here.

The First Time Auto Buyer program requires automatic payments, proof of insurance and proof of income before funding.

New as indicated on purchase order from dealer. All other purchases are classified as Used.

¹APR is Annual Percentage Rate. The approximate payment per $1,000 on a new and used RV loan with a 60-month term at 6.99% APR is $19.86. All rates include a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher.

²Maximum term not available on all loan amounts. Contact Orange County's Credit Union for details.

³We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

There's a $50 fee for an Orange County's Credit Union vehicle refinance. There's a $25 fee for all Private Party Transactions. These fees are included in the APR calculation. Cash out is not available for these loan programs.

Motorcycle includes Cruiser, Touring, Sport Touring and Standard. New as indicated on purchase order from dealer. All other purchases are classified as Used.

¹APR is Annual Percentage Rate. The approximate payment per $1,000 on a new and used motorcycle loan with a 48-month term at 7.49% APR is $24.17. All rates include a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher.

²Maximum term not available on all loan amounts. Contact Orange County's Credit Union for details.

³We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

There's a $50 fee for an Orange County's Credit Union vehicle refinance. There's a $25 fee for all Private Party Transactions. These fees are included in the APR calculation. Cash out is not available for these loan programs.

New as indicated on purchase order from dealer. All other purchases are classified as Used.

¹APR is Annual Percentage Rate. The approximate payment per $1,000 on a new auxiliary loan with a 60-month term at 6.99% APR is $19.86. All rates include a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher.

²Maximum term not available on all New Boat and Yacht loan amounts. Contact Orange County's Credit Union for details.

³We may finance up to 100% of purchase price including tax, license and warranty. If Amount Financed exceeds vehicle value it may cause an increase in interest rate (certain restrictions apply). We use M.S.R.P. (Manufacturer Suggested Retail Price) value for new vehicles and Retail Kelley Blue Book value for used vehicles. The Credit Union reserves the right to limit loan to value (LTV) on all vehicles based on individual credit worthiness.

There's a $50 fee for an Orange County's Credit Union vehicle refinance. There's a $25 fee for all Private Party Transactions. These fees are included in the APR calculation. Cash out is not available for these loan programs.

Member savings may vary based on individual circumstances, including terms of the loan.

Rate and APR: Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purpose only, and are subject to change without notice. They may be subject to pricing variations related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables—call for details. Property must be located in California. We based the mortgage interest rates shown on a 30-day rate lock period. This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan origination fees.

Points: An amount paid to the lender in order to lower the interest rate. Also known as discount points. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).

Payment: This is the total estimated dollar amount you will be expected to pay every month. It consists of Principal & Interest which is what you will pay to repay the amount you borrowed, and the interest that has accrued on that amount over the last month. The payment displayed does not include amounts for hazard insurance or property taxes, which will result in a higher actual monthly payment. If you have an adjustable-rate loan (ARM), your monthly payment may change annually (after the initial period) based on any increase or decrease in the index.

Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (740 credit score or higher), a loan amount of $300,000, a loan to value (LTV) of 60% or less, a one unit property that is a primary residence, and the loan purpose is a purchase or a rate and term refinance. Your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM).

Rate and APR: Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purpose only, and are subject to change without notice. They may be subject to pricing variations related to property type, loan amount, loan-to-value, credit score, refinance with cash out and other variables—call for details. Property must be located in California. We based the mortgage interest rates shown on a 30-day rate lock period. This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan origination fees.

Points: An amount paid to the lender in order to lower the interest rate. Also known as discount points. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).

Payment: This is the total estimated dollar amount you will be expected to pay every month. It consists of Principal & Interest which is what you will pay to repay the amount you borrowed, and the interest that has accrued on that amount over the last month. The payment displayed does not include amounts for hazard insurance or property taxes, which will result in a higher actual monthly payment. If you have an adjustable-rate loan (ARM), your monthly payment may change annually (after the initial period) based on any increase or decrease in the index.

Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (740 credit score or higher), a loan amount of $300,000, a loan to value (LTV) of 60% or less, a one unit property that is a primary residence, and the loan purpose is a purchase or a rate and term refinance. Your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM).

_{Rate and APR: Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purpose only, and are subject to change without notice. Property must be located in California. Real estate rates and terms are subject to change daily. All loans are subject to credit approval. Not all Members will qualify for maximum loan amount or introductory rate. Second home +0.250 to rate/margin. Investment/Rental property+0.625 to rate/margin.}

_{For home equity line of credit: APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County’s Credit Union checking account. If you elect not to have automatic payments from Orange County’s Credit Union checking account, your interest rate will be 0.25% higher. APR is based on a loan amount of $120,000. Rate cap of 12%. Quarterly rate change. 10 years draw period followed by a 15 year amortized repayment period. Non-recurring closing costs are waived; as long as HELOC is kept open for at least 24 months. If closed before the end of 24 months, borrower must pay all third-party non-recurring closing costs. Non-recurring closing costs typically range between $769 and $1927. $50.00 Annual Fee after first year. Annual fee is waived for Platinum Members and is $25.00 for Premier Members.}

_{For home equity loan: APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County’s Credit Union checking account. If you elect not to have automatic payments from Orange County’s Credit Union checking account, your interest rate will be 0.25% higher. APR is based on a loan amount of $120,000. For no-closing-costs option: borrower pays no closing costs (except for recurring costs such as property taxes and insurance premiums). If your loan pays off within the first 24 months after closing, borrower must pay all third-party non-recurring closing costs. Non-recurring closing costs typically range between $769 and $1927.}

_{Points: An amount paid to the lender in order to lower the interest rate. Also known as discount points. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).}

_{Payment: This is the total estimated dollar amount you will be expected to pay every month. It consists of Principal & Interest which is what you will pay to repay the amount you borrowed, and the interest that has accrued on that amount over the last month. The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment.}

_{Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (740 credit score or higher), a loan amount or credit line of $120,000, a loan to value (LTV) of 80% or less, and is a primary residence. Your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation.}

_{The minimum monthly HELOC payment is equal to 1 percent of the outstanding principal balance at the end of each statement cycle, with a minimum of $100.}