Rates You Can Trust
Rates Subject to Change
|
Product |
Term |
Annual Percentage Rate |
|---|---|---|
|
Vehicle Loans 48 months or less |
48 mos |
4.45% – 18% APR |
|
Vehicle Loans 49 thru 66 months |
66 mos |
4.70% – 18% APR |
|
Vehicle Loans 67 thru 78 months |
78 mos |
5.20% – 18% APR |
|
Vehicle Loans 79 thru 90 months |
90 mos |
5.70% – 18% APR |
|
Vehicle Loans 91 thru 120 months |
120 mos |
7.70% – 18% APR |
|
Fresh Start Auto Loan |
66 mos |
13.95% – 18% APR |
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change.
Rate effective as of September 1, 2026
Rates Subject to Change
|
Product |
Term |
Annual Percentage Rate |
|---|---|---|
|
Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.) |
66 mos |
6.95% – 18% APR |
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change.
Rate effective as of September 1, 2026
Rates Subject to Change
|
Product |
Term |
Annual Percentage Rate |
|---|---|---|
|
Personal Loan |
60 mos |
10.49% – 18% APR |
|
Personal Line of Credit |
Open-Ended |
10.75% – 18% APR |
|
Storm Shelter Loan |
60 mos |
2.75% APR |
|
Credit Builder Loan |
12 mos |
16.99% APR |
|
Fresh Start Personal Loan |
12 mos |
16.99% – 18% APR |
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change.
Rate effective as of September 1, 2026
Rates Subject to Change
|
Product |
Term |
Annual Percentage Rate |
|---|---|---|
|
Unsecured Classic MasterCard |
N/A |
12.99% – 17.99% APR |
|
Unsecured Platinum MasterCard |
N/A |
10.99% – 17.99% APR |
|
Secured MasterCard |
N/A |
13.99% APR |
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change.
Rate effective as of September 1, 2026
Rates Subject to Change
|
Product |
Rate |
Annual Percentage Rate |
|---|---|---|
|
30 Year Fixed Mortgage |
6.875% |
7.002%Â APR |
|
20 Year Fixed Mortgage |
6.625% |
6.790%Â APR |
|
15 Year Fixed Mortgage |
6.250% |
6.454%Â APR |
|
10 Year Fixed Mortgage |
6.250% |
6.538%Â APR |
Interest rates (APR = Annual Percentage Rate) determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. Estimates do not include taxes and insurance premiums. Actual payment obligation will be greater.
Rate effective as of October 30, 2026
Rates Subject to Change
|
Product |
Rate |
Annual Percentage Yield |
|---|---|---|
|
Membership Savings |
.15% |
.15% APY |
|
Club Savings |
.15% |
.15% APY |
|
IRA Savings |
.15% |
.15% APY |
|
High Interest Checking – up to $20,000 |
1.24% |
1.25% APY |
|
High Interest Checking – over $20,000* |
.15% |
.15% APY |
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
***[.15% APY-1.25% APY for High Interest Checking with balances over $20,000].
Rate effective as of September 1, 2023
*High Interest Checking – Requirements to earn this rate include a min $400 direct deposit, 12 monthly debit card transactions, and online banking/e-statements.
Rates Subject to Change
|
Product |
Rate |
Annual Percentage Yield |
|---|---|---|
|
Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open) |
.500% |
.500% APY |
|
Money Market Checking $10,001-$25,000 |
.500% |
.500% APY |
|
Money Market Checking $25,001-$50,000 |
.600% |
.600% APY |
|
Money Market Checking $50,001-$75,000 |
.700% |
.700% APY |
|
Money Market Checking $75,000+ |
.800% |
.800% APY |
*Fees may reduce the earnings on the account.
**APY = Annual Percentage Yield
***[.15% APY-1.25% APY for High Interest Checking with balances over $20,000].
Rate effective as of September 1, 2023
Rates Subject to Change
|
Product |
Minimum |
Rate |
Annual Percentage Yield |
|---|---|---|---|
|
6 Month Certificate (IRA certificate not available) |
$1000 |
3.200% |
3.250% APY |
|
12 Month Certificate |
$1000 |
3.922% |
4.000% APY |
|
24 Month Certificate |
$1000 |
2.956% |
3.000% APY |
|
36 Month Certificate |
$1000 |
2.810% |
2.850% APY |
|
48 Month Certificate |
$1000 |
2.810% |
2.850% APY |
*For amounts of $1,000 and over. A penalty may be imposed for early withdrawal.
**APY = Annual Percentage Yield. Promotion subject to change or cancellation without notice. Minimum deposit of $1,000 required. Subject to membership eligibility requirements. Subject to termination penalties. Interest checking .15% CD Bump excluded from CD Special. Certificate will renew at the standard rate for a 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.
Rate effective as of August 28, 2026