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Bank Information
  • Oteen VA Federal
    Credit Union

    1100 Tunnel Road unit # 24
    Asheville, NC 28805
    828-298-8521

  • Hours:
    Lobby: 8:00 - 4:30
    Drive-Thru: 8:00 - 5:00
    (All offices will be closed on the last Wednesday of each month at 4:00pm for a staff meeting.)

  • MACPAC Hours:
    Monday/Wednesday: 9:00 - 1:00
    Friday: 8:00 - 1:00 / 2:00 - 4:30

  • routing/transit # 253176794
    (not for wire transfers)

  • Contact VISA : 1-866-422-8615

About Us
Federal VA Organization Click on any of the selections below to see the most current rates.

Change effective date 1-21-2016

Type of Loan Terms Annual % Rate
Unsecured/Signature Loans 6 Mth - 6 Yr 8.00% - 18.00%
New Cars  3 Yr - 6 Yr 2.75% - 16.50%
New Cars $20,000 + 2.75% - 9.50%
Used Cars 2011 - 2015 3 Yr - 6 Yr 3.00% - 18.00%
Used Cars 2006 - 2010 3 Yr 10.50% - 18.00%
Used Cars (10 Years Old) 3 Yr 10.50% 
New Boats 6 Yr 8.50%
Used Boats 5 Yr 9.50%
New RV's and Campers 8 Yr 8.00%
Used RV's and Campers 6 Yr 9.50%
New Motorcycles 5 Yr 8.00% - 21.00%
Used Motorcycles 4 Yr 9.00% - 21.00%
Home Equity Loans - Adjusts Annually Up to 12 Yr 6.00%
Adjustable Rate Mortgage up to 30 yr na na
1-year A.R.M. 1 Yr 5.00% 
2-year A.R.M. 2 Yrr 5.25% 
New Mobile Homes 10 Yr 12.50%
Used Mobile Homes 8 Yr 14.50%
Note:  Not all borrowers will qualify for our lowest rate.  Rates are based on your credit score and are subject to change.

Certificate of Deposits

A minimum deposit of $500.00 is required to open a certificate and each subsequent deposit must be at least $50.00.
Term Rate % A.P.Y. %
90 Days .20% .20%
6 Months .20% .22%
12 Months .25% .25%
18 Months .30% .30%
24 Months .40% .41%
36 Months 50% .51%
48 Months .75% .76%
60 Months .90% .90%
Note: All rates are subject to change without notice.
We also have IRA certificates with the same rates as above from 12 to 60 months.

Miscellaneous Rates

Type Rate % A.P.Y. %
REGULAR SHARES (SAVINGS)  .20% .20%
MONEY MARKET SHARES  na na
M.M.S. - Balance $1000 - 2499.99   .22% .22%
M.M.S. - Balance $2500 - 9999.99     .23% ..23%
M.M.S. - Balance $10000 - 24999.99   .24% .24%
M.M.S. - Balance over 25000.00    .25% .25%
IRA SAVINGS     .20% .20%
SANTA'S HELPER      .10% .10%