Business Details
50+ Years
experience
Emergency
services
Your Trusted Credit Union in Ontario, CA
Ontario Public Employees Federal Credit Union was founded in 1959 by Ontario city employees seeking mutual financial benefits. Initially operating from a car trunk and later a garage, we established our first office in Ontario City Hall in 1979 before relocating to our current B Street location in 1993. As a federally chartered credit union, we operate under the National Credit Union Administration (NCUA) regulations, prioritizing member needs through democratic governance. Our member-owned structure ensures earnings return to members via competitive rates and low-cost services.We maintain financial stability while offering personalized banking solutions, including savings accounts, loans, and investment products. Our volunteer-driven leadership model reflects our commitment to community values and cooperative principles. With over six decades of service, we continue expanding our financial offerings while preserving our core mission of serving Ontario residents.
Services
Auto Loans
RV Financing
Savings Accounts
Credit Cards
Personal Loans
Share Certificates
Checking Accounts
IRA Accounts
Details
- Year established: 1959
Highlights and features
- We've served Ontario residents since 1959 with community-focused banking
- Our member-owned structure returns profits directly to account holders
- Competitive rates on auto, boat, and personal loans with flexible terms
- 24/7 card assistance and secure online banking services available
- Locally managed with personalized financial guidance from experienced staff
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great car loan rates
Friendly staff
Quick loan approval
Competitive dividends
Secure online banking
Services
Auto Loans
We offer comprehensive auto financing solutions for new and used vehicles. New car loans provide up to 84-month terms for $30,000+ purchases while used vehicle financing accommodates up to 60 months for vehicles under five years old. Our rates remain competitive with flexible down payment options.
Savings Accounts
Our Regular Share Savings Accounts require only $50 for membership with higher earnings potential than traditional bank savings. Club accounts and vacation savings options help organize financial goals while earning dividends on average daily balances.
Credit Cards
Low-rate VISA credit cards feature annual fees as low as $5 with global acceptance. Our competitive APRs and member-focused terms provide affordable purchasing power for everyday transactions and emergency expenses.
Personal Loans
Unsecured personal loans up to $10,000 available for qualified members. Holiday loans offer fixed 12-month terms with predictable monthly payments for seasonal expenses and debt consolidation needs.
Share Certificates
Term certificates with $2,500 minimums provide higher dividend rates for committed savings. Available in 6-18 month terms with automatic renewal options, these accounts offer penalty-free growth for disciplined savers.
Questions
What are your current auto loan rates?
Rates vary by loan amount and term. New vehicle loans up to $30,000 offer 84-month financing while used cars receive 60 months. Contact us for current APR details.
How do I become a member?
Membership requires maintaining $50 in your Regular Share Account. Visit our Ontario branch or apply online to start your membership process.
What loan options exist for bad credit?
We offer share-secured loans using your savings as collateral. These accounts help rebuild credit while earning dividends on your deposited funds.
Do you have mobile banking?
Yes, our mobile app provides account access, bill pay, and check deposit features. Download from the App Store or Google Play.
What are your holiday loan terms?
Annual November-January promotions offer $1,200 or $2,400 loans at 12% APR for 12 months. Existing signature loan holders qualify for these special terms.
