Rates

Disclaimers

¹Based on a $100,000 purchase price with $5,000 down (5% minimum down payment required), monthly payments on a 30-year mortgage based on an interest rate of 2.750% with APR of 3.125%. The monthly payment for principal, interest and mortgage insurance would be $429. Escrow accounts will increase the monthly payment. Rate listed is for a first-lien mortgage. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms or conditions are subject to change without notice. Other restrictions may apply.

²Based on a $100,000 purchase price with $5,000 down (5% minimum down payment required), monthly payments on a 15-year mortgage based on an interest rate of 2.375% with APR of 2.695%. The monthly payment for principal, interest and mortgage insurance would be $655. Escrow accounts will increase the monthly payment. Rate listed is for a first-lien mortgage. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms or conditions are subject to change without notice. Other restrictions may apply.

³APR = Annual Percentage Rate. For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value less than or equal to 80% and a 5-year fixed rate of 2.99%, the APR is 2.99% and the monthly payment for principal and interest would be $450. Must have or open share account with a minimum $25 balance. 

⁴APR = Annual Percentage Rate. For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value between 80% and 95% and a 5-year fixed rate of 3.74%, the APR is 3.74% and the monthly payment for principal and interest would be $458. Must have or open share account with a minimum $25 balance. 

⁵APR = Annual Percentage Rate. For loans with a loan to value below 80%, introductory rate is 3.99% APR for the first six consecutive billing cycles. The rate for the rest of the term of the loan will be based on Prime plus 1.5% APR margin (4.75% APR as of 01/01/21) with a floor of 4.75% APR. The current Prime rate is 3.25% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 01/01/21 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $100,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance.

⁶APR = Annual Percentage Rate. For loans with a loan to value 80% to 95%, introductory rate is 4.99% APR for the first six consecutive billing cycles. The rate for the rest of the term of the loan will be based on Prime plus 2.5% APR margin (5.75% APR as of 01/01/21) with a floor of 5.75% APR. The current Prime rate is 3.25% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 01/01/21 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $100,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance.

⁷APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 72-month financing. A $15,000 loan at 2.89% APR, with 72 monthly payments, will be $228 per month. Other rates and terms available. Rates subject to change. Offer applies to new auto loans and refinanced new auto loans not originated with Oklahoma Central. Restrictions apply. New auto loan is defined as a 2020 or 2021 model year auto with less than 6,000 miles.

⁸APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 72-month financing. A $15,000 loan at 2.89% APR, with 72 monthly payments, will be $228 per month. Other rates and terms available. Rates subject to change.

⁹APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 72-month financing. A $15,000 loan at 4.39% APR, with 72 monthly payments, will be $238 per month. Other rates and terms available. Rates subject to change.

¹⁰APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $15,000 loan at 7.39% APR, with 60 monthly payments, will be $300 per month. Other rates and terms available. Rates subject to change.

¹¹An unsecured loan is a loan not secured by collateral, but instead member's signature. APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 42-month financing. A $7,500 loan at 9.99% APR with 42 monthly payments will be $213 per month. Other rates and terms available. Rates subject to change.

¹²Share Secured Loans include Savings Secured Loans and CD Secured Loans. Savings Secured Loan rates are based on share rates and CD Secured Loan rates are based on certificate rates. To get the current rate, please contact a member service rep at 918-664-6000 option 2.

¹³APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21. A $2,500 loan at 11.75% APR with 42 monthly payments will be $73 per month. Other rates and terms available. Rates subject to change. Overdraft Protection Line of Credit is a revolving line of credit. Payments and terms may change.

¹⁴APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.49% APR with 60 monthly payments will be $196 per month. Other rates and terms available. Rates subject to change.

¹⁵APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.99% APR with 60 monthly payments will be $198 per month. Other rates and terms available. Rates subject to change.

¹⁶APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.49% APR with 60 monthly payments will be $196 per month. Other rates and terms available. Rates subject to change.

¹⁷APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.99% APR with 60 monthly payments will be $198 per month. Other rates and terms available. Rates subject to change.

¹⁸APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 5.99% APR with 60 monthly payments will be $194 per month. Other rates and terms available. Rates subject to change.

¹⁹APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.49% APR with 60 monthly payments will be $196 per month. Other rates and terms available. Rates subject to change.

²⁰APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $10,000 loan at 6.99% APR with 60 monthly payments will be $198 per month. Other rates and terms available. Rates subject to change.

²¹APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 48-month financing. A $10,000 loan at 7.99% APR with 48 monthly payments will be $245 per month. Other rates and terms available. Rates subject to change.

²²APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 42-month financing. A $5,000 loan at 0.99% APR with 42 monthly payments will be $122 per month. Other rates and terms available. Rates subject to change.

²³APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 42-month financing. A $5,000 loan at 0.99% APR with 42 monthly payments will be $122 per month. Other rates and terms available. Rates subject to change.

²⁴APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 84-month financing. A $15,000 loan at 5.49% APR with 84 monthly payments will be $216 per month. Other rates and terms available. Rates subject to change.

²⁵APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $15,000 loan at 4.49% APR, with 60 monthly payments will be $280 per month. Other rates and terms available. Rates subject to change.

²⁶APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 01/01/21 and 60-month financing. A $15,000 loan at 4.99% APR with 60 monthly payments will be $283 per month. Other rates and terms available. Rates subject to change.