Orem City Employees Credit Union

OREM CITY EMPLOYEES FEDERAL CREDIT UNION

To become a member e-mail us at creditunion@orem.gov or call us at (801) 229-7168.

Now is a great time to buy that new car or truck you have been wanting. Do you have a higher interest rate loan at another financial institution? Finance that loan at YOUR Credit Union. Call the credit union at 229-7168 to check the rates. Rates are subject to change without notice.

Pre-Approved Auto Loans:
If you are thinking of buying a new or used vehicle any time in the near future, we can help you with some of the decisions you will have to make. Before you even start looking, come to us for your pre-approved auto loan. We can pre-approve a loan for you so you know what rate you are eligible for and the total amount you can qualify for. Our credit union also has information to help you determine the value on new and used vehicles so you can be assured you are getting a good deal. Don’t let yourself be pressured into this important decision when a visit to the credit union before you start shopping can save you time and money.

We match rates!

Rates are based on approved credit.

If this is your first attempt to log into the new system, you will need to call the Credit Union at (801) 229-7168 for your Username and Password. Thank you!

Share Secured Loans:

You don’t have to lose your dividend and spend your savings for your major purchases. You can borrow what you need, using your regular share account or share certificate as collateral. You can secure your dividends and leave your savings in tact to earn for you in the future. A share secured loan at the credit union is a smart way to make your money work for you. When you have money in the credit union, there is no need to charge purchases on department store credit cards at high interest rates. You can shop where you find the best bargains, not just where you have a charge account. Your share account will keep right on growing, earning dividends while you borrow against it at 2.00% above the savings rate. Come to the office and talk with us about the advantages of a share secured loan.

Share Certificates:

A minimum deposit of $500.00 is required to purchase a share certificate. Certificate rates are subject to change without notice.

Effective Date	Loan Description	Vehicle Year	Interest Rate Fixed APR*	Months	Value
9/12/2023	New Auto, Truck, & Motorcycle	2025	5.99%	60
9/12/2023			6.24%	72	over $25,000.00
9/12/2023			6.74%	84	over $30,000.00
9/12/2023	Used Auto, Truck, & Motorcycle	2019 - 2025	5.99%	60	High Book
9/12/2023			6.24%	72	High Book
9/12/2023			7.74%	84	High Book
9/12/2023		2016 - 2018	6.60%	48	High Book
9/12/2023		2015 and older	6.10%	36	High Book
7/14/2020	New ATV, Off-road Motorcycle, & Watercraft	2025	6.74%	60
7/14/2020			6.74%	72	over $25,000.00
7/14/2020	Used ATV, Off-road Motorcycle, & Watercraft	2017 - 2025	6.99%	60	High Book
7/14/2020		2016 and older	6.99%	60	100% Wholesale
7/14/2020	New Motorhomes, Trailers & Campers	2025	6.74%	60	High Book
7/14/2020			6.74%	72	over $25,000.00
7/14/2020			6.74%	84	over $30,000.00
7/14/2020			6.99%	120	approved by Board
7/14/2020	Used Motorhomes, Trailers & Campers	2017 - 2025	6.99%	60	High Book
7/14/2020		2016 and older	6.99%	60	100% Wholesale
7/14/2020	New Boats	2025	6.74%	60
7/14/2020			6.74%	72	over $25,000.00
7/14/2020			6.74%	84	over $30,000.00
7/14/2020			6.99%	120	approved by board
7/14/2020	Used Boats	2017 - 2025	6.99%	60	High Book
7/14/2020		2016 and older	6.99%	60	100% Wholesale
7/14/2020	Other Loans		10.25%	60

Disclosures

*ANNUAL PERCENTAGE RATE (APR). Late payment fee is $25.00. Rates, terms, and conditions are subject to change without notice.

CERTIFICATE OF DEPOSIT RATES
CD Description	Interest Rate Fixed APR	Minimum Amount
6 month CD	3.75%	$500.00
12 month CD	4.0%	$500.00
18 month CD	4.0%	$500.00
24 month CD	3.75%	$500.00

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