The O.A.S. Staff Federal Credit Union All Credit Levels is a cdfi lender from O.A.S. Staff Federal Credit Union. The ongoing APR is 9.75%. Rewards: Earn up to 2.05% APY on balances up to $6,000. Loan terms: 1–6 year terms. This product reports activity to your personal credit report. O.A.S. Staff Federal Credit Union is a financial cooperative located in Washington, DC, dedicated to providing affordable financial services to its members. The credit union primarily serves employees and retirees of the Organization of American States (OAS) and their families. US Treasury certified CDFI Credit Union in Washington, DC. Membership required.