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Home Mortgage Rates

Ready to buy or refinance your home? The interest rate you pay has a big impact on your monthly payment. Our competitive home loan rates put Oklahoma homeowners in a position to save big money.

Apply for your Home Loan

Ready to buy or refinance your home? The interest rate you pay has a big impact on your monthly payment. Our competitive home loan rates put Oklahoma homeowners in a position to save big money.

Apply for your Home Loan

You are not A LOAN

Buying a home or refinancing your current one can be an overwhelming experience but it doesn't have to be! We’re in Oklahoma. You’re in Oklahoma. Or at least you consider yourself an Okie. Makes it pretty easy to go over your options, whether you want to do it online, over the phone or face-to-face. Call 405.606.1055 to speak with a Real Estate pro who will be happy to answer all your questions.


Type Rate as low as APR* as low as Monthly Payment+ Points
Conventional 15 year fixed rate 4.250% 4.480% $601.82 None
Conventional 20 year fixed rate 4.750% 4.933% $516.98 None
Conventional 30 year fixed rate 5.000% 5.136% $429.46 None
FHA Call 405.606.1055 for rates      
VA Call 405.606.1055 for rates      
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Interested in Establishing Your Credit?

A safe and easy way to build your credit is with an Experience Oklahoma Rewards Credit Card. It’s as simple as making your credit card payments on time every month. Want to set up automatic payments so you never have to worry about if you’re on time or not? Just say the word.

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DETAILS

*Annual Percentage Rate +Rates above are based on a loan amount of $80,000 at a 30 day rate lock and only a snapshot of rates as of 9/19/2018. The published rates are not guaranteed and are subject to change without notice. Rates quoted above are for our best qualified applicants. Your actual rate, costs and amount borrowed may be different as many factors go into providing you with a mortgage loan. Other products are available that are not listed here.

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