Online Banking

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Products and services

Below is a brief summary of the Lending and Savings services that Oconee Federal offers.

Lending

(NOTE: Our current policies and guidelines limit our lending area to Oconee County and the nearby, surrounding communities and townships in adjacent counties in South Carolina only.)

We truly believe in promoting home ownership in Oconee County. For that reason, our primary focus is on residential mortgage lending. We offer very competitive rates for mortgage loans to purchase, construct or refinance your home. The following are a few of the highlights of our mortgage lending products:

  • Conventional (80% maximum loan-to-value) mortgage loans for owner-occupied homes as a primary or secondary residence
  • Construction-Permanent loans - one closing with eight-month construction period
  • 15-year and 30-year fixed rate mortgage loans
  • One-year adjustable rate mortgage (ARM) loans

Savings

(NOTE: Our current policies and guidelines allow us to only accept new deposits from individuals or entities that have a verifiable mailing and/or 911-address in Oconee County, SC. Management of Oconee Federal holds the right to refuse any new, non-local deposit.)

We offer a wide array of Savings Products:

  • Standard and Statement Savings Accounts
  • Certificates of Deposit (91 days to 42 month terms)
  • NOW Checking Accounts
  • Money Market Savings and Checking Accounts
  • Debit / ATM Cards
  • Traditional and Roth Individual Retirement Accounts (IRA)

To report a lost or stolen debit or ATM card, please call 864-882-2765. Outside of normal business hours, please call 1-800-554-8969 for immediate assistance.