Rates
Rates effective as of 8/19/2025
| Loan Type | Term | APR* |
|---|---|---|
| Vehicles | 0 – 84 months | 5.24 – 16.00 % |
| Recreational Vehicles | 0 – 120 months | 6.74 – 17.00 % |
| All Other Secured Loans | 0 – 60 months | 9.00 – 17.00 % |
| Personal Loans | 0 – 48 months | 8.50 – 17.50 % |
Payment Examples
Vehicles: At 5.49% on a $10,000 loan with a 48 month term, monthly payment would be $232.52
Recreational Vehicles: At 7.74% on a $10,000 loan with a 60 month term, monthly payment would be $201.53
All Other Secured Loans: At 9.50% on a $10,000 loan with a 60 month term, monthly payment would be $210.02
Personal Loans: At 11.50% on a $10,000 loan with a 48 month term, monthly payment would be $260.89
| Home Loans | Term | APR* |
|---|---|---|
| Mortgage | Terms and rates vary. | Consult a Loan officer |
| Home Equity First liens Oklahoma Only (Max LTV 85%) | 0 – 240 Months | 5.25 – 6.00 % |
| Home Equity Junior liens Oklahoma Only (Max LTV 85%) | 0 – 180 Months | 6.50 – 7.75 % |
Payment Examples
Home Equity First Liens: At 5.50 % on a $10,000 loan for 120 months, payment would be $108.55¹
Home Equity Junior Liens: At 6.75 % on a $10,000 loan for 120 months, payment would be $114.85¹
¹Payment examples do not include taxes or insurance.
| Visa Credit Cards | APR* | Rate Type |
|---|---|---|
| Visa Platinum Card | 8.50% | Present rate – variable rate subject to change semi annually at prime + 1.00% |
| Visa Classic Card | 12.95% | Present rate – fixed |
*APR = Annual Percentage Rate. Credit qualifications and certain terms, restrictions or conditions may apply. Not all members will qualify for the lowest rate please contact a loan officer for more details. A .25 discount is available on Auto and Truck rates if an automatic payment agreement is set up. A .10 additional discount for auto payment from Endurance FCU checking account.