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Oshkosh Community Credit Union

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Oshkosh Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oshkosh Community 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 and Verified: September 10, 2026

Oshkosh Community Credit Union's Personal Loan Rates are at 9.20%. MonitorBankRates evaluates the financial stability of Oshkosh Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.48%. Rates last updated and verified on 09/10/2026.

Oshkosh Community 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 Oshkosh Community Credit Union? Share your experience about Oshkosh Community Credit Union by leaving a review below, or read customer reviews before you decide to use Oshkosh Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.48%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Oshkosh Community Credit Union
Oshkosh Community Credit Union

250 Pearl Ave
Oshkosh, WI 54901-4834

https://www.oshkoshcommunitycu.com

Oshkosh Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto 2020 and Newer Up to 36 months	-	-	4.23%	Up to 36 months
Details with Direct Deposit & Autopay**: 3.73% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto 2020 and Newer Up to 48 months	-	-	4.23%	Up to 48 months
Details with Direct Deposit & Autopay**: 3.73% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan Up to 36 months	-	-	4.23%	36 months
Details with Direct Deposit & Autopay**: 3.73% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan Up to 48 months	-	-	4.23%	48 months
Details with Direct Deposit & Autopay**: 3.73% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto 2020 and Newer Up to 60 months	-	-	4.48%	Up to 60 months
Details with Direct Deposit & Autopay**: 3.98% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan Up to 60 months	-	-	4.48%	60 months
Details with Direct Deposit & Autopay**: 3.98% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto 2020 and Newer Up to 72 months	-	-	4.98%	Up to 72 months
Details with Direct Deposit & Autopay**: 4.48% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 24 months	-	-	4.98%	Up to 24 months
Details with Direct Deposit & Autopay Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan Up to 72 months	-	-	4.98%	72 months
Details with Direct Deposit & Autopay**: 4.48% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 36 months	-	-	5.23%	Up to 36 months
Details with Direct Deposit & Autopay Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 24 months	-	-	5.48%	Up to 24 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 48 months	-	-	5.48%	Up to 48 months
Details with Direct Deposit & Autopay Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 36 months	-	-	5.73%	Up to 36 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto 2020 and Newer Up to 84 months	-	-	5.98%	Up to 84 months
Details with Direct Deposit & Autopay**: 5.48% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan - Up to 48 months	-	-	5.98%	Up to 48 months
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Loan Up to 84 months	-	-	5.98%	84 months
Details with Direct Deposit & Autopay**: 5.48% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Up to 24 months	-	-	6.71%	Up to 24 months
Details with Direct Deposit & Autopay** 6.21% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Auto Up to 36 months	-	-	6.96%	Up to 36 months
Details with Direct Deposit & Autopay** 6.46% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%

Oshkosh Community Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card Platinum	-	9.49%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Visa Credit Card Classic	-	12.90%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%

Oshkosh Community Credit Union Personal Loan Rates

Product	APR	Term
Unsecured/Personal Loans	9.20%	12 month
Details with Direct Deposit & Autopay** Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Unsecured/Personal Loans	9.45%	24 month
Details with Direct Deposit & Autopay** Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Unsecured/Personal Loans - 12 month	9.70%	12 month
Details with Direct Deposit & Autopay** 9.20% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Unsecured/Personal Loans - 24 month	9.95%	24 month
Details with Direct Deposit & Autopay** 9.45% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Unsecured/Personal Loans - 36 month	10.20%	36 month
Details with Direct Deposit & Autopay** 9.70% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%
Unsecured/Personal Loans - 48 month	10.45%	48 month
Details with Direct Deposit & Autopay** 9.95% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.48%

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.
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Financial Health History

Oshkosh Community Credit Union’s Texas Ratio fell from 6.75% in Q2 2023 to 3.48% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$20M	3.48%	5.0	A+
December 31, 2025	$20M	4.48%	5.0	A+
September 30, 2025	$20M	6.27%	5.0	A
June 30, 2025	$22M	6.63%	5.0	A
March 31, 2025	$23M	6.24%	5.0	A
December 31, 2024	$22M	5.46%	5.0	A+
September 30, 2024	$20M	5.00%	5.0	A+
June 30, 2024	$20M	2.74%	5.0	A+
March 31, 2024	$21M	10.15%	5.0	A
December 31, 2023	$21M	11.31%	5.0	A
September 30, 2023	$21M	7.91%	5.0	A
June 30, 2023	$22M	6.75%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Oshkosh Community 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 Oshkosh Community 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 Oshkosh Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oshkosh Community Credit Union

Website https://www.oshkoshcommunitycu.com

Address 250 Pearl Ave, Oshkosh, WI 54901-4834

Phone 920-233-1952

Fax 920-233-0347

President Bradley Hunter

CEO Jennifer Strange

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

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+ (98/100)

Texas Ratio

3.48%

Return on Assets (ROA)

-0.0974%

Return on Equity (ROE)

-0.8895%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

20,420,731

Total Amount of Shares and Deposits

18,046,152

Total Shares and Deposits < 1 Year

17,218,295

Total Shares and Deposits 1 3 Years

814,787

Total Shares and Deposits > 3 Years

13,070

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

529,143

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

529,143

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

17,517,009

Total Interest Expense (Sum of items 6 8)

25,722

Share Certificates

116

Number of Accounts for Share Drafts

1,204

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,345

All other shares

203

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

-19,883

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,241,320

Total Liabilities

18,185,476

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Oshkosh Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Oshkosh Community Credit Union

How many branches does Oshkosh Community Credit Union operate?

Oshkosh Community 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 Oshkosh Community Credit Union?

Yes, to access services at Oshkosh Community 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, Oshkosh Community 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, Oshkosh Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Oshkosh Community Credit Union offer online and mobile banking?

Most modern institutions like Oshkosh Community 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.oshkoshcommunitycu.com.