Effective 1/2023. Rates are subject to change without notice.

Credit Rating 750+ | A+ 700+ | A 699-650 | B 649-600 | C 599 & BELOW | D
Signature 8.15% APR* 10.15% APR* 11.15% APR* 14.15% APR* 15.95% APR*
Signature Loan Terms
$500.00 Or Less 6 Months
$501.00 – $1,000.00 12 Months
$1,001.00 – $2,000.00 24 Months
$2,001.00 & Over 36 Months

VISA Gold – 9.5% APR*

VISA Classic – 11.9% APR*

Credit Rating 750+ | A+ 700+ | A 699-650 | B 649-600 | C 599 & BELOW | D
36 Months 2.25% APR*
Up To 60 Months 2.75% APR* 3.00% APR* 5.50% APR* 8.50% APR* 11.00% APR*
61 – 72 Months
Used Auto Max Term Is 60 Months		 3.25% APR* 3.50% APR* 6.00% APR* 9.00% APR* 11.50% APR*
Used Vehicle Terms
2023-2022 60 Months
2021 54 Months
2020 48 Months
2019 42 Months
2018 & Older 36 Months

Credit Rating 750+ | A+ 700+ | A 699-650 | B 649-600 | C 599 & BELOW | D
Up To 60 Months 5.75% APR* 6.00% APR* 7.00% APR* 10.00% APR* 12.00% APR*
61 – 72 Months
Used Collateral Max Term Is 60 Months		 6.25% APR* 6.50% APR* 7.50% APR* 10.50% APR* 12.50% APR*

Credit Rating 750+ | A+ 700+ | A 699-650 | B 649-600 | C 599 & BELOW | D
Under 50k 6.00% APR* 6.25% APR* 7.25% APR* 10.25% APR* 12.25% APR*
Over 50k
Financed 61 Months – 120 Months		 7.00% APR* 7.25% APR* 8.25% APR* 11.25% APR* 13.25% APR*

CONTACT US

Phone: (432) 333-2510
Fax: (432) 333-3823

Lost/Stolen Credit/Debit Card

Debit Card: (800) 405-7068
Credit Card: (800) 442-4757

1006 E. 7th,
Odessa, TX 79761

Branch Hours
Mon - Fri: 8:30 a.m. - 5:30 p.m.

Get in touch with us today if you have any questions about the Odessa Employees’ Credit Union.