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Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.
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Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.

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Home Mortgage Rates

Whether you're buying, refinancing or using your equity in a home, we're here to make the mortgage process easy for you.

Fixed Mortgage Rates
Effective Date: February 29, 2024
Conventional 15 year
Loan to Value (LTV)* 80%
Rate as low as 6.625%
APR** as low as 6.737%
Monthly Payment 1 $1,536.49
Points N/A
Conventional 20 year
Loan to Value (LTV)* 80%
Rate as low as 7.000%
APR** as low as 7.091%
Monthly Payment 1 $1,356.77
Points 0.70%
Conventional 30 year
Loan to Value (LTV)* 80%
Rate as low as 7.000%
APR** as low as 7.070%
Monthly Payment 1 $1,164.28
Points N/A
FHA/VA 15 year
Loan to Value (LTV)*
Rate as low as 6.750%
APR** as low as
Monthly Payment 1
Points N/A
FHA/VA 30 year
Loan to Value (LTV)*
Rate as low as 7.125%
APR** as low as
Monthly Payment 1
Points N/A
2nd Mortgage 5 year
Loan to Value (LTV)* 75%
Rate as low as 7.375%
APR** as low as 7.688%
Monthly Payment 1 $3,277.49
Points N/A
2nd Mortgage 10 year
Loan to Value (LTV)* 75%
Rate as low as 7.500%
APR** as low as 7.671%
Monthly Payment 1 $1,947.30
Points N/A
2nd Mortgage 15 year
Loan to Value (LTV)* 75%
Rate as low as 7.750%
APR** as low as 7.874%
Monthly Payment 1 $1,544.16
Points N/A

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. 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.

Type Loan to Value (LTV)* Rate as low as APR** as low as Monthly Payment 1 Points
Conventional 15 year80%6.625%6.737%$1,536.49N/A
Conventional 20 year80%7.000%7.091%$1,356.770.70%
Conventional 30 year80%7.000%7.070%$1,164.28N/A
FHA/VA 15 year6.750%N/A
FHA/VA 30 year7.125%N/A
2nd Mortgage 5 year75%7.375%7.688%$3,277.49N/A
2nd Mortgage 10 year75%7.500%7.671%$1,947.30N/A
2nd Mortgage 15 year75%7.750%7.874%$1,544.16N/A

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. 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.

HELOC Rates
Loan to Value (LTV)* APR**
Less than 85%8.50%
85.01-90%9.50%
Loan to Value (LTV)* APR**
Less than 85%8.50%
85.01-90%9.50%
Fixed HELOC Rates

A fixed HELOC offers a fixed rate for an initial period of 5 years. After the initial period, the rate is subject to change.

A fixed HELOC offers a fixed rate for an initial period of 5 years. After the initial period, the rate is subject to change.

Loan to Value (LTV)* APR**
Less than 80%7.75%
80.01-90%8.75%
Loan to Value (LTV)* APR**
Less than 80%7.75%
80.01-90%8.75%
*

Property value to be determined by Appraisal or Automated Valuation Model and Property Condition Report. Normal lending policies apply.

**

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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OKCU did a flawless job on our home loan. They walked us through every step of the process and made sure we had everything we needed to close promptly and without a hiccup.
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
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