Owner-Occupied Commercial Real Estate Loans as Low as 5.35% APR*

Looking to purchase or refinance an owner-occupied location for your business? Fuel your business growth with the right loan from OKCU.

Promotional Owner-Occupied Commercial Real Estate Rates
Effective Date: February 1, 2026
Terms 3-Year Fixed Rate 5-Year Fixed Rate
Interest Rate5.35% APR*5.85% APR*
AmortizationUp to 15 yearsUp to 25 years
Origination Fee1.00%1.00%
Loan to Value (LTV)70% Maximum75% Maximum
Deposit Relationship$25,000 Minimum$25,000 Minimum
LocationsOklahoma City and Tulsa Metro MarketsOklahoma City and Tulsa Metro Markets
Cash Out Allowed?Yes, up to max LTV for term.Yes, up to max LTV for term.
EligibilityOffice, Retail, Warehouse, Medical, Dental, Other ProfessionalOffice, Retail, Warehouse, Medical, Dental, Other Professional
Terms 3-Year Fixed Rate 5-Year Fixed Rate
Interest Rate5.35% APR*5.85% APR*
AmortizationUp to 15 yearsUp to 25 years
Origination Fee1.00%1.00%
Loan to Value (LTV)70% Maximum75% Maximum
Deposit Relationship$25,000 Minimum$25,000 Minimum
LocationsOklahoma City and Tulsa Metro MarketsOklahoma City and Tulsa Metro Markets
Cash Out Allowed?Yes, up to max LTV for term.Yes, up to max LTV for term.
EligibilityOffice, Retail, Warehouse, Medical, Dental, Other ProfessionalOffice, Retail, Warehouse, Medical, Dental, Other Professional
Complete the form below to get in touch with OKCU's commercial lending team.

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      Annual Percentage Rate. Owner must occupy a minimum of 50% of subject property. Excludes 1-4 family portfolios, apartments and construction. Property must be in the Oklahoma City or Tulsa metro area. Rates are subject to change. Excludes existing OKCU loans. Limited time offer. Normal lending and underwriting policies apply.