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Current Loan Rates

Effective As Of May 18, 2010

UNSECURED LOANS
APR*
As Low As
$5000.00 MAXIMUM ($7500.00 if debt to income ratio is 25% or less)
10.5%
*APR is the Annual Percentage Rate.


NEW AUTOS
APR*
As Low As
72 Months
5.00%
60 Months
4.50%
48 Months
3.90%
36 Months
3.39%
24 Months
2.90%
Up to two years old with fewer than 15,000 miles, NADA retail value.  New cars 100% of window sticker price.  If the loan is already on the books at OMC, you must borrow a minimum of $1000.00 in new money to get the lower rate & no more than NADA retail price listed.
*APR is the Annual Percentage Rate.


USED AUTOS
APR*
As Low As
72 Months (Over $15,000.00)
5.00%
60 Months (Over $15,000.00)
4.50%
48 Months (2008 & 2009)
3.9%
36 Months (2007 & Oder)
3.39%
24 Months
2.90%
USED AUTOS 2002 thru 2009-100% of NADA Retail Value
*APR is the Annual Percentage Rate.


BOATS AND RECREATIONAL VEHICLES
APR*
As Low As
NEW up to 60 months
(up to 100% of purchase or sticker)

4.95%

NEW up to 60 months
(up to 80% of purchase or sticker)
4.95%
USED up to 60 months
(up to 80% of purchase)
8.0%
Must have a bill of sale.
*APR is the Annual Percentage Rate.


OTHER LOAN TYPES
APR*
As Low As
Share Secured

1.00% Above Dividend Paid on Shares

Share Certificate Secured
1.00% Above Dividend Paid on Certificate
VISA
*13.0%
*APR is the Annual Percentage Rate.


MORTGAGE RATES
APR*
As Low As
1st Mortgage - 15 Year Fixed
n/a
2nd Mortgage - 10 Year Fixed
n/a
1st Five Year Balloon (180 month amortization)
4.50%
1st Five Year Balloon (360 month amortization)
4.50%
2nd Five Year Balloon
5.50%
*APR is the Annual Percentage Rate.