A family of three sitting on a couch looking at a tablet.

Loan Rates






OMEGA Federal Credit Union Loan Rates

Rates as of: 9/23/26
Consolidation Loans
 
Rate Type APY
Up to 60 Months As low as 9.99% APY
Home Equity Loans
 
Loan Type APR LTV APR
5 Year Fixed As low as 5.99% Up to 80% LTV APR
10 Year Fixed As low as 6.24% Up to 80% LTV APR
15 Year Fixed As low as 6.49% Up to 80% LTV APR
Home Equity Line of Credit
 
Loan Type APR LTV APR
Line of Credit 6.75% Up to 80% LTV APR
Mortgage Loans: Contact Owners Choice for current rates and products, as these change daily. Call 1-800-342-4998 ext 7230.
New Auto Loans
 
Rate Type APR
RV/Boat/ORV As low as 7.24% APR
New Auto up to 84 months As low as 5.49% APR
New Auto up to 72 months As low as 5.24% APR
New Auto up to 60 months As low as 4.99% APR
New Auto up to 48 months As low as 4.99% APR
New Auto up to 24 months As low as 4.99% APR
(ALL AUTOS FINANCED MUST BE INSURED)
Used Auto Loans
 
Loan Type APR
Used Auto up to 60 months
 As low as 4.99% APR
Used Auto up to 24 months
 As low as 4.99% APR
Used Auto up to 36 months
 As low as 4.99% APR
Used Auto up to 48 months
 As low as 4.99% APR
Used Auto up to 72 months
 As low as 5.24% APR
Used Auto up to 84 months
 As low as 5.49% APR
Personal Loans
 
Loan Type APR
Line of Credit
 11.25% (4.50% above Prime Rate) APR
Unsecured Up To 36 Months
 As low as 9.49% APR
Unsecured Up To 60 Months As low as 9.49% APR
Unsecured 61 Months and Over As low as 9.99% APR
Secured Shares 3.10%(3.0% over the rate earned) APR
Student Loans
 
Loan Type APR
Fixed Rate Up to 60 Months 8.25% APR
 
Vacation & Holiday Loans
 
Loan Type APR
Up to 12 Months
 As low as 7.24% APR
Up to 24 Months 
As low as 8.24% APR 
VISA Credit Card
 
Loan Type APR
VISA Credit Card As low as 12.49% APR












a family of three with their RV

Flexible loans, real life

Simple, Straightforward Loans for Life's Important Moments

 
Personal loans help cover expenses, big plans or unexpected moments.