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Rates

 

Loan type

30-Year Mortgage1

15-Year Mortgage2

Home LoansLearn more Apply Now

Rate

As low as 3.783% APR

As low as 3.291% APR

Loan type

Up to 80% of home value3

Between 80% & 95% of home value4

Home Equity LoansLearn more Apply Now

Rate

As low as 3.49% APR

As low as 4.24% APR

Loan type

Up to 80% of home value5

Between 80% & 95% of home value6

Home Equity Line of CreditLearn more Apply Now

Rate

As low as 3.99% APR

As low as 4.99% APR

Loan Type

New Vehicle7

Used Vehicle 2015 & Newer8

Used Vehicle 2013 - 20149

Used Vehicle 2012 & Older10

Auto LoansLearn more Apply Now

Rate

As low as 3.39% APR

As low as 3.39% APR

As low as 4.89% APR

As low as 7.39% APR

Loan Type

Unsecured Signature Loans11

Share Secured Loans12

Smart Move Loan13

Overdraft Protection Line of Credit14

Personal LoansLearn more Apply Now

Rate

As low as 7.99% APR

Variable APR

As low as 7.99% APR

As low as 11.75% APR

Loan type

New RV15

Used RV16

RV LoansLearn more Apply Now

Rate

As low as 6.49% APR

As low as 6.99% APR

Loan Type

New Boat17

Used Boat18

Boat LoansLearn more Apply Now

Rate

As low as 6.49% APR

As low as 6.99% APR

Loan Type

New Motorcycle / ATV19

Used Motorcycle / ATV20

Motorcycle / ATV LoansLearn more Apply Now

Rate

As low as 5.99% APR

As low as 6.49% APR

Loan Type

New Personal Watercraft21

Used Personal Watercraft22

Personal Watercraft LoansLearn more Apply Now

Rate

As low as 6.99% APR

As low as 7.99%

Loan Type

Storm Shelter23

Generator24

Storm Shelter/Generator LoansLearn more Apply Now

Rate

As low as 0.99% APR

As low as 0.99% APR

Loan Type

Heating & Air25

Heating & Air System LoansLearn more Apply Now

Rate

As low as 4.99% APR

Loan typeNew Tractor26Used Tractor27
Tractor LoansLearn more Apply Now
Rate As low as 4.49% APR As low as 4.99% APR

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 3.375% with APR of 3.783%. The monthly payment for principal, interest and mortgage insurance would be $467. 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 3.000% with APR of 3.291%. The monthly payment for principal, interest and mortgage insurance would be $687. 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 3.49%, the APR is 3.49% and the monthly payment for principal and interest would be $455. 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 4.24%, the APR is 4.24% and the monthly payment for principal and interest would be $464. 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 03/17/20) 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 03/17/2020 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 03/17/20) 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 03/17/2020 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 04/01/20 and 72-month financing. A $15,000 loan at 3.39% APR, with 72 monthly payments, will be $231 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 2019 or 2020 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 04/01/20 and 72-month financing. A $15,000 loan at 3.39% APR, with 72 monthly payments, will be $231 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 04/01/20 and 72-month financing. A $15,000 loan at 4.89% APR, with 72 monthly payments, will be $241 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 04/01/20 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 04/01/20 and 42 month financing. A $7,500 loan at 7.99% APR with 42 monthly payments will be $206 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 04/01/20 and 42 month financing. A $7,500 loan at 7.99% APR with 42 monthly payments will be $206 per month. Other rates and terms available. Rates subject to change.

14APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20. 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.

15APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

16APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

17APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

18APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

19APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

20APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

21APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

22APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

23APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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 04/01/20 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.

25APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 and 84 month financing. A $15,000 loan at 4.99% APR with 84 monthly payments will be $212 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 04/01/20 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.

27APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/20 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.

 

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