The Orange County's Federal Credit Union is a personal loan from Orange County's Federal Credit Union. The ongoing APR is 12 months 12.50% - 17.99%; 24 months 12.50% - 17.99%; 36 months 12.50% - 17.99%; 48 months 12.50% - 17.99%; 60 months 13.50% - 17.99% (Effective December 1, 2025. Subject to change anytime.) All quoted rates include a 0.25% discount for borrowers who set up and receive a minimum direct deposit of $500 per month. If the required direct deposit is not set up or not received, the APR will be 0.25% higher.. Typical credit limit: Borrow as little as $500 to as much as $25,000. Loan terms: Choose a short or long repayment term – up to 60 months. Terms in Months / Minimum Loan Amount: Up to 12 $500; Up to 24 $1,000; Up to 36 $3,000; Up to 48 $4,000; Up to 60 $5,000.