LOANSAPR as low as*Payment Example & Disclosure
Vehicle Loans 72 months or less3.70%CLICK HERE
Vehicle Loans 73 thru 84 months4.20%CLICK HERE
Vehicle Loans 85 thru 120 months6.20%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)4.70%CLICK HERE
Personal Loans8.25%CLICK HERE
Unsecured Classic MasterCard11.88%CLICK HERE
Unsecured Platinum MasterCard9.96%CLICK HERE
Secured MasterCard8.88%CLICK HERE
Storm Shelter Loan2.75%CLICK HERE
Credit Builder Loan14.75%CLICK HERE
Fresh Start Personal Loan10.75%CLICK HERE
Fresh Start Auto Loan6.20%CLICK HERE
DISCLAIMER

“Rates effective as of 10/10/2018.”

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.625%4.725%CLICK HERE
10 Year Fixed Rate4.50%4.643%CLICK HERE
Fixed Rate Second Mortgage4.50% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard5.00%5.00%CLICK HERE
SECOND MORTGAGE LOAN RATESLTV to 80 LTV 81 to 90 LTV 91 to 95Payment Example & Disclosure
RATEAPRRATEAPRRATEAPR
60 to 71 Months4.50%5.112%5.00%5.615%5.50%6.118%CLICK HERE
72 to 84 Months4.75%5.267% 5.25%5.77% 5.75% 6.273%CLICK HERE
85 to 120 Months5.00%5.397%5.50%5.90% 6.00%6.403%CLICK HERE
121 to 180 Months5.50%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 RateAPY**
Membership Savings0.20%0.20%
Club Savings0.20%0.20%
IRA Savings0.25%0.25%
Interest Checking0.15%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-$25,0000.30%0.30%
Money Market Checking $25,001-$50,0000.40%0.40%
Money Market Checking $50,001-$75,0000.44%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 DepositDividend RateAPY
6 Month Certificate (IRA certificate not available)$1,0001.24%1.25%
12 Month Certificate$1,0001.49%1.50%
24 Month Certificate$1,0001.74%1.75%
36 Month Certificate$1,0001.98%2.00%
48 Month Certificate$1,0002.23%2.25%
**15 Month Certificate$5,0002.81%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.

LOANSAPR as low as*Payment Example & Disclosure
Vehicle Loans 72 months or less3.70%CLICK HERE
Vehicle Loans 73 thru 84 months4.20%CLICK HERE
Vehicle Loans 85 thru 120 months6.20%CLICK HERE
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)4.70%CLICK HERE
Personal Loans8.25%CLICK HERE
Unsecured Classic MasterCard11.88%CLICK HERE
Unsecured Platinum MasterCard9.96%CLICK HERE
Secured MasterCard8.88%CLICK HERE
Storm Shelter Loan2.75%CLICK HERE
Credit Builder Loan14.75%CLICK HERE
Fresh Start Personal Loan10.75%CLICK HERE
Fresh Start Auto Loan6.20%CLICK HERE
DISCLAIMER

“Rates effective as of 10/10/2018.”

MORTGAGESRateAPRPayment Example & Disclosure
15 Year Fixed Mortgage4.625%4.725%CLICK HERE
10 Year Fixed Rate4.50%4.643%CLICK HERE
Fixed Rate Second Mortgage4.50% - 6.50%5.00% - 7.00%CLICK HERE
Home Equity Line of Credit (HELOC) MasterCard5.00%5.00%CLICK HERE
SECOND MORTGAGE LOAN RATES          
60 to 71 MonthsLTV to 804.50% Rate5.112% APR
LTV 81 to 905.00% Rate5.615% APRLTV 91 to 955.50% Rate6.118% APRCLICK HERE
72 to 84 MonthsLTV to 804.75% Rate
5.267% APRLTV 81 to 905.25% Rate5.77% APRLTV 91 to 955.75% Rate 6.273% APRCLICK HERE
85 to 120 MonthsLTV to 805.00% Rate
5.397% APR
LTV 81 to 905.50% Rate5.90% APRLTV 91 to 956.00% Rate6.403% APRCLICK HERE
121 to 180 MonthsLTV to 805.50% Rate
5.827% APRLTV 81 to 906.00% Rate6.33% APRLTV 91 to 956.50% Rate6.833% APRCLICK 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 RateAPY**
Membership Savings0.20%0.20%
Club Savings0.20%0.20%
IRA Savings0.25%0.25%
Interest Checking0.15%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-$25,0000.30%0.30%
Money Market Checking $25,001-$50,0000.40%0.40%
Money Market Checking $50,001-$75,0000.44%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 DepositDividend RateAPY
6 Month Certificate (IRA certificate not available)$1,0001.24%1.25%
12 Month Certificate$1,0001.49%1.50%
24 Month Certificate$1,0001.74%1.75%
36 Month Certificate$1,0001.98%2.00%
48 Month Certificate$1,0002.23%2.25%
**15 Month Certificate$5,0002.81%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!