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HELOC Rates

Let's be honest, your rate is what really matters. Whether you're undergoing a big home improvement project or trying to consolidate some debt, you need an affordable option. We've got you covered.

Apply for your HELOC
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Let's be honest, your rate is what really matters. Whether you're undergoing a big home improvement project or trying to consolidate some debt, you need an affordable option. We've got you covered. Apply for your HELOC

Start on your next big project with these rates

We’re in Oklahoma. You’re in Oklahoma. Or at least you consider yourself an Okie. Makes it pretty easy to open a HELOC, whether you want to do it over the phone or face-to-face. If you have questions, contact us and we'll be happy to help.

Loan to Value (LTV) APR*
Less than 85% 5.50%
85.01-90% 6.50%
*Annual Percentage Rate is variable and subject to change. 725+ FICO score. Max LTV is 90%. Property value to be determined by Automated Valuation Model and Property Condition Report. Normal lending policies apply. 
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 4.254% APR your monthly payment could be
$493
$739
$985
FIND YOUR PAYMENT
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Happy To Help Stories

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

  • Floricela C
    We received a follow-up call after the loan processed to notify us that the funds were there!

    – Floricela C.
    Member Since 2005
  • Tanya W
    I can't say enough about how simple financing a vehicle, storm shelter or whatever you may need is through OKCU.

    – Tanya W.
    ​Member Since 2011
     
  • Georgia R
    I was able to take care of all my HELOC paperwork via email, nice electronic system and was only at the credit union for less than 30 minutes.

    – Georgia R.
    ​Member Since 2007
  • Mary A
    I recently got a small loan to cover emergency expenses and it was all completed in less than 24 hours.

    – Mary A.
    ​Member Since 1990
  • Bryan W
    I applied online and within 24 hours I was contacted by a loan officer at the Capitol Branch.

    – Bryan W.
    ​Member Since 2017 
  • Karen L
    I loved the personalized manner in which my business was conducted.

    – Karen L.
    ​Member Since 2018