| LOANS | APR as low as* | Payment Example & Disclosure |
|---|---|---|
| Vehicle Loans 72 months or less | 3.70% | CLICK HERE |
| Vehicle Loans 73 thru 84 months | 4.20% | CLICK HERE |
| Vehicle Loans 85 thru 120 months | 6.20% | CLICK HERE |
| Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.) | 4.70% | CLICK HERE |
| Personal Loans | 8.25% | CLICK HERE |
| Unsecured Classic MasterCard | 11.88% | CLICK HERE |
| Unsecured Platinum MasterCard | 9.96% | CLICK HERE |
| Secured MasterCard | 8.88% | CLICK HERE |
| Storm Shelter Loan | 2.75% | CLICK HERE |
| Credit Builder Loan | 14.75% | CLICK HERE |
| Fresh Start Personal Loan | 10.75% | CLICK HERE |
| Fresh Start Auto Loan | 6.20% | CLICK HERE |
DISCLAIMER
“Rates effective as of 10/10/2018.”
| MORTGAGES | Rate | APR | Payment Example & Disclosure |
|---|---|---|---|
| 15 Year Fixed Mortgage | 4.125% | 4.224% | CLICK HERE |
| 10 Year Fixed Rate | 4.00% | 4.142% | CLICK HERE |
| Fixed Rate Second Mortgage | 4.50% - 6.50% | 5.00% - 7.00% | CLICK HERE |
| Home Equity Line of Credit (HELOC) MasterCard | 5.00% | 5.00% | CLICK HERE |
| SECOND MORTGAGE LOAN RATES | LTV to 80 | LTV 81 to 90 | LTV 91 to 95 | Payment Example & Disclosure | |||||
|---|---|---|---|---|---|---|---|---|---|
| RATE | APR | RATE | APR | RATE | APR | ||||
| 60 to 71 Months | 4.50% | 5.112% | 5.00% | 5.615% | 5.50% | 6.118% | CLICK HERE | ||
| 72 to 84 Months | 4.75% | 5.267% | 5.25% | 5.77% | 5.75% | 6.273% | CLICK HERE | ||
| 85 to 120 Months | 5.00% | 5.397% | 5.50% | 5.90% | 6.00% | 6.403% | CLICK HERE | ||
| 121 to 180 Months | 5.50% | 5.827% | 6.00% | 6.33% | 6.50% | 6.833% | CLICK HERE | ||
DISCLAIMER
*Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Rates effective 3/1/2018.
| SAVINGS* (& Money Market Checking) | Dividend Rate | APY** |
|---|---|---|
| Membership Savings | 0.20% | 0.20% |
| Club Savings | 0.20% | 0.20% |
| IRA Savings | 0.25% | 0.25% |
| Interest Checking | 0.15% | 0.15% |
| Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open) | 0.30% | 0.30% |
| Money Market Checking $10,001-$25,000 | 0.30% | 0.30% |
| Money Market Checking $25,001-$50,000 | 0.40% | 0.40% |
| Money Market Checking $50,001-$75,000 | 0.44% | 0.45% |
| Money Market Checking $75,000+ | 0.59% | 0.60% |
DISCLAIMERS
Rates effective as of 10/10/2018
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
| CERTIFICATES* (Share Certificates & IRA Certificates) | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Month Certificate (IRA certificate not available) | $1,000 | 1.24% | 1.25% |
| 12 Month Certificate | $1,000 | 1.49% | 1.50% |
| 24 Month Certificate | $1,000 | 1.74% | 1.75% |
| 36 Month Certificate | $1,000 | 1.98% | 2.00% |
| 48 Month Certificate | $1,000 | 2.23% | 2.25% |
| **15 Month Certificate | $5,000 | 2.81% | 2.85% |
DISCLAIMER
*For amounts of $1,000 and over. Certificate rates quoted as of 10/10/2018. A penalty may be imposed for early withdrawal.
**APY = Annual Percentage Yield. New money only from another financial institution – transfers from existing Focus accounts do not qualify for promo rate. Promotion subject to change or cancellation without notice. Certificate will renew at standard rate for 12-month term. Subject to termination penalties. Federally insured by NCUA. Membership open to those who live, work, worship or attend school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain and Grady Counties.
Today’s Rates
Our rates change by the day, so be sure to check in as frequently as possible.
| LOANS | APR as low as* | Payment Example & Disclosure |
|---|---|---|
| Vehicle Loans 72 months or less | 3.70% | CLICK HERE |
| Vehicle Loans 73 thru 84 months | 4.20% | CLICK HERE |
| Vehicle Loans 85 thru 120 months | 6.20% | CLICK HERE |
| Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.) | 4.70% | CLICK HERE |
| Personal Loans | 8.25% | CLICK HERE |
| Unsecured Classic MasterCard | 11.88% | CLICK HERE |
| Unsecured Platinum MasterCard | 9.96% | CLICK HERE |
| Secured MasterCard | 8.88% | CLICK HERE |
| Storm Shelter Loan | 2.75% | CLICK HERE |
| Credit Builder Loan | 14.75% | CLICK HERE |
| Fresh Start Personal Loan | 10.75% | CLICK HERE |
| Fresh Start Auto Loan | 6.20% | CLICK HERE |
DISCLAIMER
“Rates effective as of 10/10/2018.”
| MORTGAGES | Rate | APR | Payment Example & Disclosure |
|---|---|---|---|
| 15 Year Fixed Mortgage | 4.125% | 4.224% | CLICK HERE |
| 10 Year Fixed Rate | 4.00% | 4.142% | CLICK HERE |
| Fixed Rate Second Mortgage | 4.50% - 6.50% | 5.00% - 7.00% | CLICK HERE |
| Home Equity Line of Credit (HELOC) MasterCard | 5.00% | 5.00% | CLICK HERE |
| SECOND MORTGAGE LOAN RATES | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 60 to 71 Months | LTV to 80 | 4.50% Rate | 5.112% APR | LTV 81 to 90 | 5.00% Rate | 5.615% APR | LTV 91 to 95 | 5.50% Rate | 6.118% APR | CLICK HERE |
| 72 to 84 Months | LTV to 80 | 4.75% Rate | 5.267% APR | LTV 81 to 90 | 5.25% Rate | 5.77% APR | LTV 91 to 95 | 5.75% Rate | 6.273% APR | CLICK HERE |
| 85 to 120 Months | LTV to 80 | 5.00% Rate | 5.397% APR | LTV 81 to 90 | 5.50% Rate | 5.90% APR | LTV 91 to 95 | 6.00% Rate | 6.403% APR | CLICK HERE |
| 121 to 180 Months | LTV to 80 | 5.50% Rate | 5.827% APR | LTV 81 to 90 | 6.00% Rate | 6.33% APR | LTV 91 to 95 | 6.50% Rate | 6.833% APR | CLICK HERE |
DISCLAIMER
*Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Rates effective 4/1/2018.
| SAVINGS* (& Money Market Checking) | Dividend Rate | APY** |
|---|---|---|
| Membership Savings | 0.20% | 0.20% |
| Club Savings | 0.20% | 0.20% |
| IRA Savings | 0.25% | 0.25% |
| Interest Checking | 0.15% | 0.15% |
| Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open) | 0.30% | 0.30% |
| Money Market Checking $10,001-$25,000 | 0.30% | 0.30% |
| Money Market Checking $25,001-$50,000 | 0.40% | 0.40% |
| Money Market Checking $50,001-$75,000 | 0.44% | 0.45% |
| Money Market Checking $75,000+ | 0.59% | 0.60% |
DISCLAIMERS
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
| CERTIFICATES* (Share Certificates & IRA Certificates) | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Month Certificate (IRA certificate not available) | $1,000 | 1.24% | 1.25% |
| 12 Month Certificate | $1,000 | 1.49% | 1.50% |
| 24 Month Certificate | $1,000 | 1.74% | 1.75% |
| 36 Month Certificate | $1,000 | 1.98% | 2.00% |
| 48 Month Certificate | $1,000 | 2.23% | 2.25% |
| **15 Month Certificate | $5,000 | 2.81% | 2.85% |
DISCLAIMER
*For amounts of $1,000 and over. Certificate rates quoted as of 10/10/2018. A penalty may be imposed for early withdrawal.
**APY = Annual Percentage Yield. New money only from another financial institution – transfers from existing Focus accounts do not qualify for promo rate. Promotion subject to change or cancellation without notice. Certificate will renew at standard rate for 12-month term. Subject to termination penalties. Federally insured by NCUA. Membership open to those who live, work, worship or attend school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain and Grady Counties.
Get started with Focus today and enjoy the benefits of membership!
Get started with Focus today and enjoy the benefits of membership!
