What are the current interest rates at OAS Staff Federal Credit Union?

Current rates for OAS Staff Federal Credit Union include: 12-Month CD: 3.05%, 18-Month CD: 2.48%, 24-Month CD: 2.38%, 60-Month CD: 2.38%, Savings: 0.10%

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OAS Staff Federal Credit Union

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OAS Staff Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OAS Staff Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

OAS Staff Federal Credit Union's 12 month rates are at 3.05%, 6 month rates are at 2.79%, 24 month rates are at 2.63%, 60 month rates are at 2.63%, 48 month rates are at 2.53%. OAS Staff Federal Credit Union's savings rates are at 0.10%. OAS Staff Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of OAS Staff Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.95%. Rates were last updated on 06/16/2026.

OAS Staff Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OAS Staff Federal Credit Union? Share your experience about OAS Staff Federal Credit Union by leaving a review below, or read customer reviews before you decide to use OAS Staff Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.95%

Excellent Higher than avg

OAS Staff Federal Credit Union
OAS Staff FCU

1889 F St NW
Washington, DC 20006

https://www.oasfcu.org

OAS Staff Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month	3.00%	3.05%	12 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
6 month	2.75%	2.79%	6 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
24 month	2.60%	2.63%	24 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
60 month	2.60%	2.63%	60 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
48 month	2.50%	2.53%	48 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
18 month	2.45%	2.48%	18 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
36 month	2.45%	2.48%	36 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
IRA Share Certificate (36 Month)	2.45%	2.48%	36 Month
Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
30 month	2.40%	2.43%	30 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
24 month	2.35%	2.38%	24 months
Min Balance $2,500 Details Rate Increase: One time Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
60 month	2.35%	2.38%	60 months
Min Balance $2,500 Details Rate Increase: Twice Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
48 month	2.25%	2.28%	48 months
Min Balance $2,500 Details Rate Increase: Twice Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
36 month	2.20%	2.22%	36 months
Min Balance $2,500 Details Rate Increase: One time Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Savings Rates

Product	Rate	APY
RoundUp Savings	0.10%	0.10%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Share Savings	-	0.10%
Min Balance $5 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Checking Rates

Product	Rate	APY
Reward Checking: Preferential Rate	2.10%	2.12%
Details Applies only to the portion of the balance up to $6,000 when qualifications are met and the average daily balance is $6,000 or more. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Rewards Checking Account	-	2.05%
Min Balance $6,000 Details Qualifications Required: At least fifteen (15) qualifying debit card purchases that post and clear during the qualification period, enrollment in eStatements, and at least one qualifying direct deposit per month. Automatic recurring debit card payments do not count toward qualification.; No maintenance fees, no tricks. Withdraw cash at 35,000+ fee-free ATMs. Set up direct monthly deposit of any amount. Balances above or below $6,000 earn 0.05% APY. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Reward Checking: Non-Preferential Rate	0.05%	0.05%
Details Applies to balances $0.01 and over when reward qualifications are not met. Or to the portion of the balance above $6,000 regardless of qualification status. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.25%	Up to 15 years
Details OAS FCU's Home Equity Line of Credit is a variable interest rate loan -indexed based on the Prime Rate, to which a margin is added- and therefore subject to change without notice on any of the following dates: the first day of January, April, July, or October each year. The rate on this loan will never exceed 18% APR. An OAS FCU Home Equity Line of Credit is available for owner-occupied properties only. The rates listed are a range of rates for which you may qualify based on your credit evaluation and repayment ability. Based on the results of that evaluation, you might be approved for a smaller loan than you request; your loan might also be denied. This loan is subject to a credit and repayment evaluation process, and you may not qualify or may qualify for a loan with different terms. OAS FCU will lend a maximum of 80% combined Loan-to-Value (CLTV) based on the appraised value of the property. The minimum Home Equity Line of Credit amount is $20,000 with an initial advance of $5,000. Later advances will be at least $500. The draw period will extend for the first five (5) years after the opening of the line of credit. Property insurance may be required for this loan. Appraisal, tax recording, and other closing costs apply and will be at your expense. Using a Good Faith Estimate, the closing costs for a $100,000 Home Equity Line of Credit (OAS FCU's average HELOC amount) would be approximately $2,308. Depending on the property's location, loan amount, and other factors, the combined closing costs will differ. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Hybrid/Electric Auto Loans	-	-	4.50%	up to 9 years
Details APR discount for hybrids and electric vehicles. Flexible terms (up to 9 years), fixed or variable rates. Finance up to 125% including charging stations. No prepayment penalties. Easy online and automatic payments. Payments: $208.72 /mo. Fixed or variable rates. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Auto Loans	-	-	4.75%
Details Roll related costs into your loan-no surprises. No application fees or prepayment penalties-pure transparency. Easy online payments from any account or card. Protection options like GAP Plus and Life Plus for peace of mind. Exclusive discounts for hybrids and electric vehicles-drive green, save green. Payments: $211.34 /mo. Variable rates are tied to the Wall Street Journal Prime Rate, to which a margin is applied, and may increase after the loan is opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Post-Secondary Education Loan	-	-	7.75%	Up to 4 years
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Credit Card Rates

Product	Rate	APR
Secured Visa	-	9.75%
Details Perfect for building or rebuilding credit safely. Your credit limit is backed by your deposit, which earns dividends while supporting responsible credit use. Credit limit equals your secured deposit. Monthly credit reporting to build credit. Deposit earns interest while locked in. The Secured Visa Classic has a variable Annual Percentage Rate (APR) that is set according to a standard secured credit card pricing category. Rates may change, are capped at 18.00% APR, and will not exceed the maximum rate permitted by law. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
VISA Classic	-	9.75%
Details Rate based on Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September or December. An increase in rate might affect your payment amount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
VISA Platinum	-	11.75%
Details Rate based on Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September or December. An increase in rate might affect your payment amount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
Credit Card	-	13.99%
Details Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

OAS Staff Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	9.75%
Details Borrow up to $35,000 with flexible 1-6 year terms. Unsecured loans-no collateral required. Funds are typically available quickly after signing, subject to verification. Option to skip up to two non-consecutive payments per calendar year. Payments: $271.36 /mo. Variable rates are tied to the Wall Street Journal Prime Rate plus a margin and may increase after the loan is opened. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%
International Personal Loan	-	16.75%
Details This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. Based on the results of your credit evaluation, and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers' relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OAS Staff Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather OAS Staff Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OAS Staff Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OAS Staff Federal Credit Union

Website https://www.oasfcu.org

Address 1889 F St NW, Washington, DC 20006

Phone 202-458-3834

Fax

President Yadira Pinilla

CEO CARLOS CALDERON

Full-Time Employees 37

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.95%

Return on Assets (ROA)

-0.0168%

Return on Equity (ROE)

-0.2216%

Non-Performing Loans Ratio (NPL)

1.19%

Total Assets

279,909,630

Total Amount of Shares and Deposits

262,309,241

Total Shares and Deposits < 1 Year

255,695,289

Total Shares and Deposits 1 3 Years

6,454,519

Total Shares and Deposits > 3 Years

159,433

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

23,612,934

Total Uninsured Shares and Deposits > $250K (F+J)

23,612,934

Total Insured Shares and Deposits > $250K (item 17 less item K)

238,696,307

Total Interest Expense (Sum of items 6 8)

2,273,663

Share Certificates

1,128

Number of Accounts for Share Drafts

7,796

IRA KEOGH Accounts

Number of Accounts for Regular Shares

12,828

Net Income (unless the amount is already included in Undivided Earnings)

119,828

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,291,847

Total Liabilities

266,606,428

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About OAS Staff Federal Credit Union

How many branches does OAS Staff Federal Credit Union operate?

OAS Staff Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join OAS Staff Federal Credit Union?

Yes, to access services at OAS Staff Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, OAS Staff Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OAS Staff Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does OAS Staff Federal Credit Union offer online and mobile banking?

Most modern institutions like OAS Staff Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oasfcu.org.

Current OAS Staff Federal Credit Union Rates

12-Month CD3.05%
18-Month CD2.48%
24-Month CD2.38%
60-Month CD2.38%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

OAS Staff Federal Credit Union Rates & Review June 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

OAS Staff Federal Credit Union Texas Ratio

OAS Staff Federal Credit Union CD Rates

OAS Staff Federal Credit Union Savings Rates

OAS Staff Federal Credit Union Checking Rates

OAS Staff Federal Credit Union Home Equity & HELOC

OAS Staff Federal Credit Union Auto Loan Rates

OAS Staff Federal Credit Union Student Loan Rates

OAS Staff Federal Credit Union Credit Card Rates

OAS Staff Federal Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

OAS Staff Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About OAS Staff Federal Credit Union

How many branches does OAS Staff Federal Credit Union operate?

Is a member application needed to join OAS Staff Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does OAS Staff Federal Credit Union offer online and mobile banking?

Current OAS Staff Federal Credit Union Rates

Compare to Other Credit Unions