Ontario Shores Credit Union
Verified rate book
Current Ontario Shores Credit Union rates
14 published offers verified as of August 4, 2026.
Mortgage rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.772% APR | 6.625% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.909% APR | 6.500% | — | Standard |
| USDA 30-Year Fixed30 year fixed | 7.037% APR | 6.375% | — | Standard |
| FHA 30-Year Fixed30 year fixed | 7.311% APR | 6.375% | — | Standard |
| 15-Year Fixed15 year fixed | 6.484% APR | 6.375% | — | Standard |
| 20-Year Fixed20 year fixed | 7.073% APR | 6.875% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New/Used Autoauto_any_36mo | 3.900% APR | 3.900% | 36 mo · any | Standard |
| RV New/Usedrv_any_72mo | 5.200% APR | 5.200% | 72 mo · any | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 6.050% APR | 6.050% | — | Standard |
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Share-Secured Loanpersonal_secured_60mo | 3.750% APR | 3.750% | 60 mo | Standard |
| 60-Month Personal Loanpersonal_unsecured_60mo | 11.100% APR | 11.100% | 60 mo | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 9.900% APR | 9.900% | — | Standard |
| Visa Credit Card Classiccredit_card | 11.900% APR | 11.900% | — | Standard |
As of August 4, 2026, Ontario Shores Credit Union offers a 30-year fixed mortgage at 6.772% APR. Vehicle loans available from 3.9% APR for 36 months. HELOC rates from 6.05% APR. Personal loan rates from 3.75% APR. Credit card rates from 9.9% APR.
Source: RateAPI.dev, verified from Ontario Shores Credit Union's official website
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About Ontario Shores Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 11.8K
- Assets
- $201.9M
- Founded
- 1961
- Locations reported
- 5
- NCUA charter
- 14462
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Ontario Shores Credit Union
Membership eligibility from Ontario Shores Credit Union's own published criteria. How we verify this.
Community charter: live/work in Niagara, Orleans, Genesee +4 more
- LocationNiagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, Steuben
Verified from Ontario Shores Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Ontario Shores Credit Union?
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Frequently Asked Questions
What rates does Ontario Shores Credit Union offer?
Ontario Shores Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Ontario Shores Credit Union rates updated?
RateAPI verifies Ontario Shores Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Ontario Shores Credit Union's rate data?
Rate data is collected directly from Ontario Shores Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Ontario Shores Credit Union's mortgage rate?
As of August 4, 2026, Ontario Shores Credit Union offers a 30-year fixed mortgage at 6.772% APR.
What are Ontario Shores Credit Union's auto & rv loan rates?
As of August 4, 2026, Ontario Shores Credit Union offers vehicle loans from 3.9% APR.
What is Ontario Shores Credit Union's HELOC rate?
As of August 4, 2026, Ontario Shores Credit Union offers home equity lines of credit from 6.05% APR.
What is Ontario Shores Credit Union's personal loan rate?
As of August 4, 2026, Ontario Shores Credit Union offers personal loans from 3.75% APR.
Related Rate Data
Compare Ontario Shores Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Ontario Shores Credit Union rates
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Use it via API
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# Get rates for Ontario Shores Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/ontario-shores" \
-H "Authorization: Bearer YOUR_API_KEY"