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Share Secured
Loans secured by deposits in an OMSEFCU Regular Share account allow members easy access to a low-cost loan with flexible terms. You can borrow up to 100% of the balance in your Regular Share account for a maximum term of 120 months (10 years).

Your Shares will be "pledged" for the amount of the loan and gradually released as the loan balance decreases. Pledged shares will continue to earn dividends. This is a fixed rate, fixed terms installment loan. Refer to our rate sheet for the current loan rates.

Certificate Secured Loans
Funds deposited into an OMSEFCU Share Certificate may also be pledged as collateral for a loan. The Credit Union will loan up to 100% of the available balance of the Share Certificate for a term of up to 120 months (10 years).

Funds in the Certificate will be "pledged" for the amount of the loan and gradually released as the loan balance decreases. Pledged shares will continue to earn dividends. This is a variable rate loan. The Annual Percentage Rate (APR) will be 3.00% above the dividend rate earned on the Certificate and the APR will adjust each time the dividend rate on the Certificate changes.


Your savings federally insured to at
least $250,000 and backed by the
full faith and credit of the United States
Government National Credit Union
Administration, a U.S. Government Agency		 Ontario Montclair School Employees Federal Credit Union
1520 North Palmetto Ave., Ontario, California 91762
(909) 983-1959


Our partners are chosen with service and value in mind. However, please give careful consideration when using our third-party services.
We do business in accordance with the federal Fair Housing
Law and the Equal Credit
Opportunity Act