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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 LoanCheck Your Eligibility

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
Check Your Eligibility

You are not ALOAN

Buying a home, refinancing your current one and using your equity can be overwhelming experiences but they 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.


Fixed Mortgage Rates

Type Loan to Value (LTV)^ Rate as low as APR* as low as Monthly Payment+ Points
Conventional 15 year   4.875% 4.981% $1,372.52 0.10
Conventional 20 year   5.250% 5.335% $1,179.23 0.40
Conventional 30 year   5.625% 5.313% $966.36 0.80
FHA/VA 15 year   4.125%     0.40
FHA/VA 30 year   4.625%     0.40
2nd Mortgage 5 year 75% 6.125% 6.375% $3,181.09 N/A
2nd Mortgage 10 year 75% 6.500% 6.750% $1,862.75 N/A
2nd Mortgage 15 year 75% 6.625% 6.875% $1,440.35 N/A

*Annual Percentage Rate ^Property value to be determined by Appraisal or Automated Valuation Model and Property Condition Report. Normal lending policies apply.  +Conventional/FHA/VA Rates above are based on a loan amount of $175,000 2nd Mortgage Rates based on loan amount of $164,050 at a 30 day rate lock and only a snapshot of rates as of 07/01/2022. 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.

Adjustable Rate Mortgage (ARM) Rates

ARMs offer a low fixed rate for an initial period of 5, 10 or 15 years. After the initial period, the rate is subject to change.
Type1 Rate as low as APR* as low as Monthly Payment+ Points
5/1 ARM
(Based on 360 month term)
4.875% 5.015% $926.11 N/A
10/10 ARM 5.125% 5.337% $1,174.40 N/A
15/15 ARM 5.250% 5.336% $966.36 N/A
*Annual Percentage Rate 1The 5/1 ARM offers a fixed rate for the initial 5 years, after which the interest rate is subject to adjustment once every 1 year thereafter. The 10/10 ARM offers a fixed rate for the initial 10 years, after which the interest rate is subject to adjustment once every 10 years thereafter. The 15/15 ARM offers a fixed rate for the initial 15 years, after which the interest rate is subject to adjustment once for the remaining 15 years of the loan. +Rates above are based on a loan amount of $175,000 at a 30 day rate lock and only a snapshot of rates as of 07/01/2022. 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.
 

HELOC Rates

Loan to Value (LTV) APR*
Less than 85% 4.75%
85.01-90% 5.75%
*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. 
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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