Orange County's Credit Union
Annual Percentage Rate (APR)¹ |
Terms in Months |
Minimum Loan Amount |
Estimated Payment per $1,000 Borrowed |
---|---|---|---|
12.50% - 21.50% |
12 |
$500 |
$44.55 - $46.69² |
12.50% - 21.50% |
24 |
$1,000 |
$47.32 - $51.64 |
12.50% - 21.50% |
36 |
$3,000 |
$33.46 - $37.94 |
12.50% - 21.50% |
48 |
$4,000 |
$26.59 - $31.25 |
13.50% - 22.50% |
60 |
$5,000 |
$23.02 - $27.92 |
Effective January 1, 2025. Subject to change anytime.
Annual Percentage Rate (APR)¹ |
Terms in Months |
Minimum Loan Amount |
Estimated Payment per $1,000 Borrowed |
---|---|---|---|
12.50% - 21.50% |
12 |
$500 |
$44.55 - $46.69² |
12.50% - 21.50% |
24 |
$1,000 |
$47.32 - $51.64 |
12.50% - 21.50% |
36 |
$3,000 |
$33.46 - $37.94 |
12.50% - 21.50% |
48 |
$4,000 |
$26.59 - $31.25 |
13.50% - 22.50% |
60 |
$5,000 |
$23.02 - $27.92 |
Effective January 1, 2025. Subject to change anytime.
New Auto Loan Rates
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
5.49% - 13.74% |
48 |
$23.26 - $27.20 |
5.99% - 14.24% |
60 |
$19.33 - $23.40 |
6.49% - 14.74% |
72 |
$16.81 - $21.01 |
7.39% - 15.64% |
84 |
$15.29 - $19.67 |
Effective January 1, 2025. Subject to change anytime.
Used Auto Loan Rates
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
5.49% - 13.74% |
48 |
$23.26 - $27.20 |
5.99% - 14.24% |
60 |
$19.33 - $23.40 |
6.49% - 14.74% |
72 |
$16.81 - $21.01 |
Effective January 1, 2025. Subject to change anytime.
First-Time Auto Buyer Loan Rates (New & Used)
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
7.99% |
60 |
$20.28 |
8.24% |
72 |
$17.66 |
Effective January 1, 2025. Subject to change anytime.
New Auto Loan Rates
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
5.49% - 13.74% |
48 |
$23.26 - $27.20 |
5.99% - 14.24% |
60 |
$19.33 - $23.40 |
6.49% - 14.74% |
72 |
$16.81 - $21.01 |
7.39% - 15.64% |
84 |
$15.29 - $19.67 |
Effective January 1, 2025. Subject to change anytime.
Used Auto Loan Rates
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
5.49% - 13.74% |
48 |
$23.26 - $27.20 |
5.99% - 14.24% |
60 |
$19.33 - $23.40 |
6.49% - 14.74% |
72 |
$16.81 - $21.01 |
Effective January 1, 2025. Subject to change anytime.
First-Time Auto Buyer Loan Rates (New & Used)
Annual Percentage Rate (APR)¹ |
Terms in Months |
Estimated Payment per $1,000 Borrowed |
---|---|---|
7.99% |
60 |
$20.28 |
8.24% |
72 |
$17.66 |
Effective January 1, 2025. Subject to change anytime.
RV Loan Rates
New RV | Used RV | |
---|---|---|
APR¹ Range | 6.99 - 17.99% | 7.49 - 18.49% |
Max Term (Months)² | 144 | 144 |
Amount Financed³ | 80% LTV | 80% LTV |
APR¹ Range | Max Term (Months)² | Amount Financed³ | |
---|---|---|---|
New RV | 6.99 - 17.99% | 144 | 80% LTV |
Used RV | 7.49 - 18.49% | 144 | 80% LTV |
Maximum term not available on all loan amounts. Lowest APR not available for the max term listed. Contact Orange County's Credit Union for details.
Motorcycle Loan Rates
New Motorcycle 100% LTV | New Motorcycle 80% LTV | Used Motorcycle | |
---|---|---|---|
APR¹ Range | 7.49 - 17.74% | 6.99 - 17.24% | 7.99% - 18.24% |
Max Term (Months)² | 48 | 48 | 48 |
Amount Financed³ | 100% LTV | 80% LTV | 80% LTV |
APR¹ Range | Max Term (Months)² | Amount Financed³ | |
---|---|---|---|
New Motorcycle 100% LTV | 7.49 - 17.74% | 48 | 100% LTV |
New Motorcycle 80% LTV | 6.99 - 17.24% | 48 | 80% LTV |
Used Motorcycle | 7.99% - 18.24% | 48 | 80% LTV |
Boat, ATV, & Watercraft Loan Rates
New Boats & Yachts | New All Terrain Vehicles & Personal Watercraft | |
---|---|---|
APR¹ Range | 6.99 - 17.74% | 12.75 - 21.00% |
Max Term (Months)² | 120 | 48 |
Amount Financed³ | 80% LTV | 80% LTV |
APR¹ Range | Max Term (Months)² | Amount Financed³ | |
---|---|---|---|
New Boats & Yachts | 6.99 - 17.74% | 120 | 80% LTV |
New All Terrain Vehicles & Personal Watercraft | 12.75 - 21.00% | 48 | 80% LTV |
Maximum term not available on all loan amounts. Lowest APR not available for the max term listed. Contact Orange County's Credit Union for details.
Today’s Purchase Rates
30-Yr Fixed | 15-Yr Fixed | 10/1 Adj | 7/1 Adj | 5/1 Adj | |
---|---|---|---|---|---|
Rate | 6.750% | 6.000% | 6.750% | 6.750% | 6.250% |
APR As Low As | 6.888% | 6.236% | 7.183% | 7.209% | 7.037% |
Points | 0.875 | 1.000 | 0.750 | 0.625 | 0.750 |
Payment | $3,242.99 | $4,219.28 | $3,242.99 | $3,242.99 | $3,078.59 |
Rate | APR As Low As | Points | Payment | |
---|---|---|---|---|
30-Yr Fixed | 6.750% | 6.888% | 0.875 | $3,242.99 |
15-Yr Fixed | 6.000% | 6.236% | 1.000 | $4,219.28 |
10/1 Adj | 6.750% | 7.183% | 0.750 | $3,242.99 |
7/1 Adj | 6.750% | 7.209% | 0.625 | $3,242.99 |
5/1 Adj | 6.250% | 7.037% | 0.750 | $3,078.59 |
Today’s Refinance Rates
30-Yr Fixed | 15-Yr Fixed | 10/1 Adj | 7/1 Adj | 5/1 Adj | |
---|---|---|---|---|---|
Rate | 6.750% | 6.000% | 6.750% | 6.750% | 6.250% |
APR | 6.888% | 6.236% | 7.139% | 7.145% | 6.957% |
Points | 0.875 | 1.000 | 0.750 | 0.625 | 0.750 |
Payment | $3,242.99 | $4,219.28 | $3,242.99 | $3,242.99 | $3,078.59 |
Rate | APR | Points | Payment | |
---|---|---|---|---|
30-Yr Fixed | 6.750% | 6.888% | 0.875 | $3,242.99 |
15-Yr Fixed | 6.000% | 6.236% | 1.000 | $4,219.28 |
10/1 Adj | 6.750% | 7.139% | 0.750 | $3,242.99 |
7/1 Adj | 6.750% | 7.145% | 0.625 | $3,242.99 |
5/1 Adj | 6.250% | 6.957% | 0.750 | $3,078.59 |
Today’s Home Equity Rates
HELOC | 20 Yr Fixed | 15 Yr Fixed | |
---|---|---|---|
Rate | 7.625% | 7.625% | 7.250% |
APR As Low As | 7.625% | 7.625% | 7.250% |
Points | 0.000 | 0.000 | 0.000 |
Payment* | Payment* | $975.90 | $1,095.44 |
Rate | APR As Low As | Points | Payment* | |
---|---|---|---|---|
HELOC | 7.625% | 7.625% | 0.000 | Payment* |
20 Yr Fixed | 7.625% | 7.625% | 0.000 | $975.90 |
15 Yr Fixed | 7.250% | 7.250% | 0.000 | $1,095.44 |