Getting a loan from Oak Ridge Federal Credit Union is simple and convenient. After completing your application you can expect to hear from us within a few days.
We also offer short term funding and financing from several outside funding vendors. You can go to the following websites and see more information on what they have to offer: Entrust Funders, Merchant Funding Network, Advance MCA. We offer competitive interest rates and a complete line of services to meet all of your loan needs.

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Loan Rates

New and Used Auto Loan Fixed Rates
Year	Term	Rate
2003-2004	up to 60 Months	4.50% APR
2003-2004	up to 72 Months	5.50% APR
2000-2002	up to 60 Months	5.99% APR
2002	up to 72 Months	5.99% APR
1997-1999	up to 60 Months	6.99% APR
1996 & Prior*	up to 48 Months	9.00% APR
*As Found in the CPI Guide (Cars of Particular Interest) Up to 100% of purchase price including TTL for new vehicles. Upto 100% of NADA retail for used vehicles.

Lease Look-Alike
Loan Type	Rate	Term

Youth Fixed Rate Loan
Age	Amount	Rate
up to 18 years	up to $500	9.90% APR
18+ years	up to $1,000	9.90% APR

Home Equity
Loan Type	Rate
Variable Rate	Prime(4.75%)+.24%@ 4.99%
Variable Rate	Prime(4.75%)+.49%@5.24%
Variable Rate	Prime(4.75%) +.74% @5.49%
Assuming up to 90% LTV Prime rate as found in the Wall Street Journal*

Second Mortgage*
Loan Type	Term	Rate
Fixed Rate	7-8 years	6.75% APR
Fixed Rate	9-11 years	7.25% APR
Fixed Rate	12 years - 179 Months	7.50% APR
Variable Rate	up to 179 Months	Prime + 2%
Assuming up to 90% LTV Prime rate as found in the Wall Street Journal*

Signature Loan
Loan Type	Term	Rate
Variable Signature Loan	up to 5 years	11.00% APR
Variable Line of Credit	open end	11.00% APR

VISA Fixed Rates
Card Type	Rate
VISA Classic	11.5% APR
VISA Gold	9.9% APR