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LOAN RATES

Loan Rates: As of 5/1/2018

 

NEW & USED AUTOS

Year Term APR*
2011 or Older 48 months or less 4.75% – 11.75%**
2012 – 2018 48 months or less 2.75% – 9.75%**
2012 – 2018 60 months or less 3.00% – 10.00%**
2014 or Newer 72 months or less 3.25% – 10.25%**
2015 or Newer 84 months or less 3.75% – 10.75%**
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NEW & USED MOTORCYCLES & ATVs

Year Term APR*
2016 & Newer 61 – 72 months 4.25% – 11.25%**
2016 & Newer 49 – 60 months 4.00% – 11.00%**
2016 & Newer 48 months or less 3.75% – 10.75%**
2014 & 2015  61 – 72 months 4.50% – 11.50%**
2014 & 2015 49 – 60 months 4.25% – 11.25%**
2014 & 2015 48 months or less 4.00% – 11.00%**
2013 & Older 49 – 60 months 5.75% – 12.75%**
2013 & Older 48 months or less 5.50% – 12.50%**

RECREATIONAL VEHICLES, BOATS & WATER CRAFTS

Year Term APR*
2016 & Newer 120 months 5.50% – 12.50%**
2016 & Newer 61 – 84 months 4.75% – 11.75%**
2016 & Newer 49 – 60 months 4.50% – 11.50%**
2016 & Newer 48 months or less 4.00% – 11.00%**
2014 & 2015 61 – 72 months 4.75% – 11.75%**
2014 & 2015 60 months or less 4.50% – 11.50%**
2013 & Older 49 – 60 months 5.75% – 12.75%**
2013 & Older 48 months or less 4.00% – 11.00%**

OTHER LOANS

Type Term APR*
Signature  60 months 8.75% – 15.75%**
 Share Secured 60 months 5.00%**
CD Secured  60 months Rate + 2.50%
 VISA N/A 7.00% – 11.00%

***STORM SHELTER LOAN***

(Payment Examples)

Amount Term APR* Monthly Payment Bi-Weekly Payment
 $5,000 36 months 2.99% $146.00 $73.00
$4,000 36 months 2.99% $117.00 $58.50
$3,000 36 months 2.99% $88.00 $44.00

SAVINGS RATES

Loan Rates: As of 5/1/2018

Calculated on an average daily balance paid quarterly

 

REGULAR SHARE/SAVINGS

Minimum Balance APY***
$5 – $499 0.00%
$500 – $14,999 0.20%
$15,000 & Above 0.35%

SHARE/IRA CERTIFICATES

 Minimum Balance  6 month 12 month 24 month 36 month 48 month
 $1,000  0.83% APY*** 0.99% APY*** 1.50% APY*** N/A N/A
 $15,000 0.86% APY*** 1.01% APY*** 1.54% APY*** 1.76% APY*** 2.00% APY***
$50,000 0.88% APY*** 1.05% APY*** 1.58% APY*** 1.76% APY*** 2.00% APY***
$95,000 0.90% APY*** 1.10% APY*** 1.60% APY*** 1.76% APY*** 2.00% APY***
$95,001 & Above N/A N/A N/A 1.76% APY*** 2.10% APY***
 **$100,000 & Above**  N/A N/A N/A 2.70% APY*** N/A

MONEY MARKET CHECKING ACCOUNT

 Balance APY**
 $1,000 – $14,999 0.20%
$15,000 – $24,999 0.30%
$25,000 & Above 0.35%

(Maintain a $1,000 balance to avoid $25.00 monthly fee. Accounts receive three free checks per month. Each additional check is $2.00)

 Christmas Club Account APY***
 $5.oo & Above 0.35%
*APR – Annual Percentage Rate
**With applied discounts. Contact your Loan Officer for full details.
***APY – Annual Percentage Yield
**  ** – Denotes current rate promotion. APY – Annual Percentage Yield. New money only. Minimum of $100,000 is required to open CD (Certificate of Deposit). Matured OKFCU CDs can be transferred to promotional CD, current early withdraw penalties will apply to promotional CD. Limited Time Only. Offer subject to end at any time. Upon maturity, promotional CD will renew at standard 36-month rate. Federally insured by NCUA.
*** *** – Denotes current storm shelter promotion. APR – Annual Percentage Rate. APR is determined by individual credit history. Rates as low as 2.99% APR with discounts applied. Some restrictions apply. Other rates and terms available. Member must be a homeowner and provide a contract, invoice, or the credit union will make the check payable to the company installing the storm shelter. The maximum loan amount is $5,000.00. Federally insured by NCUA.
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