Loans

 

Loan Page header_SMALL_applying for a loan has never been easier

WE HAVE THE LOAN TO FIT YOUR LIFESTYLE.
OCCU has a variety of loans and lines of credit for your busy lifestyle and budget.  To learn more, take a look at our options below, stop by one of our seven convenient locations or give us a call at (800) 426-5657 today!

Auto Loans
RV and Boat Loans
Home Improvement Loan
First Time Auto Loan Program 

Personal Loans                                                                                                                                                                                                                                                                                                           Online Loan Payment

Skip-a-Payment

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Holiday Quick Bucks are Back! Discover your Shopping Spirit animal today. $1000 loan at 9.95% APR, 12 month term, skip-a-pay is available

WE’VE GOT YOUR HOLIDAYS COVERED.  HOLIDAY QUICK BUCKS ARE BACK!

  • Borrow $1,000 for holiday shopping, winter travels or whatever you wish
  • 9.95% APR* fixed rate
  • 12-Month term
  • Skip-a-payment twice a year, every year**

For questions or to apply, call (360) 426-9701 or (800) 426-5657 today!

View Our Most Current Rates

Apply Online for a Loan Today!

*APR = Annual Percentage Rate. Offer valid on stated terms and conditions only. $1,000 at 9.95% fixed rate with 12 monthly payments of $88.00.  Promotion expires December 31, 2017. On approved credit.

**Skip-A-Payment Agreement Processing Fee: Your first skip-a-payment is FREE per loan, per calendar year. A fee of $25 is due and payable upon execution of the second skip-a-payment.  Processing fees will be returned to anyone not eligible to participate in this offer. In order to skip your payment all loans and accounts must be current and in good standing at the time we receive your request, and your loan must have been opened more than 6 months ago and we must have received 6 months of payments regardless of the payment frequency. Note, both the primary member and co-borrower/cosigner (If applicable) MUST sign and return the attached form. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to the principal, which extends the term of the loan. Interest will continue to accrue on your loan as it normally does. Certain restrictions apply and not all loans are eligible for this program. We reserve the right to pull a credit report. Program subject to change.

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AUTO LOANS
Check out our competitive rates, personalized pricing, easy application processes and quality, personal service.

View Our Most Current Rates

CUDL AutoSmartLooking for a new car?  Use this helpful tool to review local dealer’s inventories, research car values, and more…

  • Save time – Get pre-qualified for your loan!*
  • New or Used
  • Affordable payments          Apply Here button
  • 100% financing available
  • Skip-a-payment twice a year, every year*
  • Full range of terms

 *Conditions apply.   APR= Annual Percentage Rate.  Subject to approval and must be a member in good standing.  Ask for details.


Auto Resources:

Know before you buy – with Kelley Blue Book and NADA vehicle value guides.
CUDL AutoSmart – Looking for a new car?  Use this helpful tool to review local dealer’s inventories, research car values, and more…
GAP Protection Guaranteed Asset Protection helps you avoid financial loss in the event your vehicle is totaled or stolen. Since Insurance settlements are based on the car’s actual cash value, they are often less than the loan balance. This creates a deficiency balance or a “gap” that could jeopardize repayment. GAP Protection covers that deficiency.
Mechanical Repair Coverage24 hour Roadside assistance and Extended vehicle warranty.  Protect your investments!

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Truck and RVRV & BOAT LOANS
Whether you’re looking to get away, or just have some fun in your own backyard, we have the loan for you!

  • SPECIAL LIMITED TIME ONLY RV RATES as low as 3.99% APR* with a maximum term of 84 months***
  • RV RATES as low as 4.74% APR* with a maximum term of 144 months**
  • BOAT RATES as low as 7.45% APR* with a maximum term of 120 months**
  • New or Used RV & Boat
  • Flexible Terms
  • Skip-a-payment twice a year, every year*
  • OCCU offers loans for Motorcycles, ATVs, personal watercraft and snowmobiles at competitive rates

 

 

View Our Most Current Rates

Apply Here button

 


NOT A MEMBER YET?

Open an account today and take advantage of all the membership benefits of Our Community Credit Union.
Anyone living or working in Washington State can join!**   Get Started!

*APR-Annual Percentage Rate.  Conditions apply.  Subject to approval and must be a member in good standing. Ask for details.
**Conditions apply.

***Rate is based on credit score, no minimum, maximum LTV 100%.  Model years 2010 or newer are eligible for this rate.  Other affordable rates and terms are available.  Rates are subject to change.

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NO JOB IS TOO SMALL. 
Dream big, we can make it happen with a home improvement loan.

Boy_under construction_loanpage
An OCCU Home Improvement Loan helps you stay on top of repairs and home improvements.

  • Borrow up to $15,000 for up to 120 months
  • Want to update your appliances, repair the deck, replace your roof or floor?
  • Skip-a-payment twice a year, every year*
  • Exclusively for home improvements
  • 7.25% APR
  • No equity required
  • No Fees

View Our Most Current Rates

Apply Here button

 


NOT A MEMBER YET?

Open an account today and take advantage of all the membership benefits of Our Community Credit Union.
Anyone living or working in Washington State can join!**   Get Started!

*APR-Annual Percentage Rate.  Conditions apply.  Subject to approval and must be a member in good standing. Ask for details.
**Conditions apply.

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“FIRST-TIME AUTO LOAN” Program

Need a new loan but never borrowed before?  Get the cash you need and establish credit with our loan program for first-time borrowers.

If you have no credit history, limited history or maybe you’ve used only cash rather than credit, you can apply.  Build your credit history and reach for your dreams!

CUDL AutoSmart – Looking for a new car?  Use this helpful tool to review local dealer’s inventories, research car values, and more…

  • Rates as low as 7.95% APR*
  • For New or Used Auto 
  • Must be an OCCU Member
  • Skip-a-payment twice a year, every year*

Apply Here button

 

 

View Our Most Current Rates

NOT A MEMBER YET?
Open an account today and take advantage of all the membership benefits of Our Community Credit Union.
Anyone living or working in Washington State can join!**   Get Started!

*APR-Annual Percentage Rate.  Rates as low as 7.95% APR.  Conditions apply.  Subject to approval and must be a member in good standing. Ask for details.
**Conditions apply.

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PERSONAL LOANS
We call our Personal loans the Whatever – Whenever loans. For whatever you need, whenever you need it! Whether it’s help covering a purchase or consolidating other loans into one monthly payment, we can help.

  • Vacations
  • School supplies
  • Medical or dental expenses
  • Debit consolidation
  • Miscellaneous expenses

Whatever you need, we’ll help you get it, with a low-interest rate, lump sum loan.

Apply Here button

 

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ONLINE LOAN PAYMENT

Make online loan payments* now through our website, smart phone, tablet and even text messaging.  Make your OCCU loan payment ONLINE with any credit card, debit card or eCheck.

  • Use a debit card, credit card or eCheck from another financial institution to make your OCCU loan payment.
  • Make a one-time payment or schedule regular payments.
  • There is a convenience fee for the use of this service.  Paying by debit card or eCheck is $4.95 per transaction.  Using a credit card number has a convenience fee of 2.95% of the transaction amount.
  • Credit Cards accepted: VISA®, MasterCard® or Discover® Card.

Example: If making a loan payment in the amount of $250.00 using a debit card or eCheck, your transaction will be $254.95.  If making the same loan payment with a credit card, the transaction amount will be $257.38.

*Loan payments are posted on business days after 3 p.m. PST.  If you make a payment after 3 p.m., it will be posted on the following business day.

To Make a Payment Click Here

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SKIP-A-PAYMENT TWICE A YEAR!
For those times when you need to free up some extra cash, you may skip your loan payment up to
TWO times per calendar year.   If you have more than one qualifying loan you may request to skip a payment on each loan.

Download Skip-a-Payment form here

Skip your payment instructions:

  1. Complete the Skip-A-Payment Amendment form.  Please note, both the primary member and co-borrower/co-signer (if applicable) MUST sign the form.
  2. For each loan payment you choose to skip the processing fees are as follows:
    • FREE for the first skip, per loan, per calendar year.
    • $25 for the second skip, per loan, per calendar year. Skip-A-Payments not approved will not incur a processing fee.
  3. Enclose a check for the total amount due or complete the authorization to deduct the fee from your account.
  4. All request forms must be received at least five days before payment is due but no more than 30 days prior to the due date.

 

Mail your form and payment/authorization to:

Our Community Credit Union
Attn: Skip-A-Payment
PO Box 1670
Shelton, WA 98584

If you are authorizing us to deduct the fee(s) from your account, you may fax this form to (360) 426-1500.

*Skip-A-Payment Agreement Processing Fee: Your first skip-a-payment is FREE per loan, per calendar year. A fee of $25 is due and payable upon execution of the second skip-a-payment.  Processing fees will be returned to anyone not eligible to participate in this offer. In order to skip your payment all loans and accounts must be current and in good standing at the time we receive your request, and your loan must have been opened more than 6 months ago and we must have received 6 months of payments regardless of the payment frequency. Note, both the primary member and co-borrower/cosigner (If applicable) MUST sign and return the attached form. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to the principal, which extends the term of the loan. Interest will continue to accrue on your loan as it normally does. Certain restrictions apply and not all loans are eligible for this program. We reserve the right to pull a credit report. Program subject to change.

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