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The interest rate you pay on your credit card will have a big impact on your monthly payment. Get an OKCU credit card with low rates and save some cash while earning credit card rewards!

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The interest rate you pay on your credit card will have a big impact on your monthly payment. Get an OKCU credit card with low rates and save some cash while earning credit card rewards!

Apply Online
Credit Card FAQs

Hey, Oklahomans, check out our credit cards

We’re in Oklahoma. You’re in Oklahoma. Or at least you consider yourself an Okie. Makes it pretty easy to apply for your credit card, whether you want to do it online, over the phone or face-to-face. It’ll only take about 15 minutes. If you have questions, contact us and we'll be happy to help.

spacer Smart Rewards
Purchase/Cash APR* 9.49% - 20.99% 11.49% - 20.99%
Earn Rewards (local, travel, cash back, etc.) No Yes
Annual Fee $0 $0
Balance Transfer Fee $0 $0
Cash Advance Fee $0 $0
Grace Period 25 days 25 days
Minimum Payment Greater of 2.5% or $10 Greater of 1% or $25
Savings Secured Yes No
ID Theft Resolution Yes Yes
Family Card Yes No
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FOR PEOPLE, NOT PROFIT

FOR PEOPLE, NOT PROFIT

The mortgage crisis taught us that you want to work with a lender who puts people first, not profits. Our team of home loan experts are happy to help.

REVIEW YOUR HOME LOAN OPTIONS
30 YR HOME LOAN
At a rate of 7.0% your monthly payment could be
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Happy To Help Stories

Why do our members love being part of OKCU? Find out below.

  • Samantha M.

    Everyone here is fantastic, the service is amazing. The interest rates are great, and I actually feel that I am getting somewhere with my payments, instead of paying interest.

    – Samantha M.

  • Jennifer F.

    OKCU has helped me by allowing me to condense our debts down with low interest rates so that I could free up my budget.

    – Jennifer F.

  • Candice W.

    OKCU has been so great and has always worked hard to get us the loans we need, when it seemed impossible you made it possible! Thank you so much for years of satisfaction.

    – Candice W.

  • Jason B
    Recently did a refinance and couldn't be happier. Great rates, great options, fantastic service.

    – Jason B.
    ​Member Since 2011
  • Lynda M.

    Most finance companies won't even consider giving a loan to a young adult. But with OKCU, you have taught my son about building credit and the responsibility of having a loan.

    – Lynda M.

  • Jerry S.

    I have had several instances over the years when OKCU has helped me get through a financial pinch. The most recent situation was not a need but a want. OKCU allowed us to borrow the funds to take a dream vacation!

    – Jerry S.

  • Essie J.

    When I was concerned about my credit score, a loan officer sat down and explained how credit worked and what to do to help raise my score.

    – Essie J.

  • Daniel D
    We shopped around for rates and found OKCU to be the best. With local, high quality service, we will definitely use them again for future banking needs.

    – Daniel D.
    ​Member Since 2018
  • Luis M
    OKCU has competitive rates (the lowest I've seen in the metro), great customer service, a quick approval process and an easy auto loan process.

    – Luis M.
    ​Member Since 2003