Make your next big move with confidence
Whether it’s your first place or more space, own that home you have in mind — on your own terms.
Benefits You’ll Love
- Lay roots around OKC with a competitive rate
- Financing programs and terms that fit your needs
- Partner with a local team from start to finish
- Pre-approval and refinancing available
- Up to $25,000 in down payment assistance is available
- Competitive rates for home purchase, refinance, or new construction
- Available for primary residence, second homes, vacation homes, or investment properties
- A variety of financing programs are available:
- Fixed-rate mortgages
- FHA loans
- VA loans
- ITIN mortgages
- Free pre-approval for extra confidence when buying your home
- Refinance your current home to potentially lower your rate
- Repayment terms customized to fit your budget
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Adjustable Rate Mortgage (ARM)
We offer adjustable rate mortgage (ARM) loans with terms of 3, 5, 7 and 10 years. An adjustable rate mortgage provides the borrower with a lower initial payment, yet carries a degree of uncertainty. An ARM loan will temporarily lock into a rate at the time of closing. After the initial lock period ends the rate will adjust for the remaining life of the loan, depending on market rates at that time. Adjustable rate mortgages allow borrowers to take advantage of lower interest rates without refinancing, however they should always prepare for rate increases as well. If you are considering a refinance or a move in the near future, an ARM loan may be a great option for you as the lower initial rates can offer a cheaper route for borrowers who don’t plan on staying in one place for long.
FHA (Federal Housing Administration)
The FHA loan program is a great option for homebuyers that may have less than perfect credit or limited funds available for a down payment. FHA requires a down payment of just 3.5%, which can be a gift from an acceptable source. FHA also features flexible qualifying standards and less strict credit requirements than many conventional loans.
Fixed Rate Mortgages
A fixed rate mortgage provides the borrower peace of mind knowing their monthly payment will be the same for the life of the loan. With loan terms ranging from 10 to 30 years, you can pay off your mortgage at a pace that's best for your unique situation. Fixed interest rates will always remain the same, and your principle and interest payment will never change. If you appreciate the convenience of a consistent mortgage payment, this could the perfect program for you!
Freddie Mac Home Possible®
The Freddie Mac Home Possible® mortgage loan is a great option for first time homebuyers and borrowers with low-to-moderate income. Home Possible® is available for new home purchases and rate-and-term refinances, with reduced mortgage insurance, flexible sources of funds for down payment and closing costs.
Fannie Mae HomeReady®
The Fannie Mae HomeReady® program is great for first time homebuyers and borrowers with little or no credit history. HomeReady® is available with a variety of options designed to address some of the most common obstacles homebuyers face when purchasing a home. It offers options to help minimize or alternatively document cash for down payment and closing costs, more flexibility when qualifying for the minimum payment using your income, and a lower minimum credit score requirement than most mortgage programs.
Jumbo
A jumbo loan allows you to purchase a home with a loan amount that would traditionally exceed the limits of conventional financing such as luxury homes and multi-unit properties. In addition to increased financing for the purchase of a high value home, a jumbo loan refinance could lower your monthly payment, allow you more discretionary income, and restore the investment value of your home. The jumbo loan products available are capped at $3,000,000.
USDA/RD (Rural Development)
The USDA Rural Development (RD) program is designed for homebuyers with low-to-moderate income and savings, financing a home in a designated rural area. USDA/RD requires no down payment, allowing the borrower additional funds to pay for closing costs or prepaids in the mortgage. In some cases the seller can pay a portion of the sales price to cover closing costs. The USDA/RD loan can also be used to refinance an existing mortgage to a lower interest rate.
Super Conforming
Super Conforming loans provide options for individuals purchasing or refinancing in areas with higher housing costs than are allowed with conventional programs. Conventional financing limits are capped at a loan amount of $417,000, while Super Conforming extends the cap to $625,500. A variety of terms are available for purchase or refinance, including 15 and 30 year fixed-rate and 5 and 7 year ARM's.
VA (Veterans Administration)
The Veterans Administration (VA) mortgage is a great loan program for Veterans, service members, eligible spouses and other military personnel with a Certificate of Eligibility. VA loans are a fantastic option for eligible vets for a variety of reasons, including zero down payment and no primary mortgage insurance. The VA loan also offers the most flexible credit and qualification requirements of any loan product.
{{ home-loans-rate }}
Already Started?
Use this calculator to determine your projected earnings from our Free Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates
Term | Tier | APY |
---|---|---|
CD Special - 6 Months | $25,000+ | 5.00% |
CD Special - 12 Months | $25,000+ | 5.15% |
CD Special - 18 Months | $25,000+ | 4.65% |
6 Months | $500 - $100,000+ | 3.00% |
12 Months | $500 - $100,000+ | 3.25% |
24 Months | $500 - $100,000+ | 2.80% |
36 Months | $500 - $100,000+ | 2.90% |
48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 1/23/2024. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
6 Month Terms | 90 days' dividends |
12/24 Month Terms | 180 days' dividends |
36/48 Month Terms | 360 days' dividends |
Home Equity Loans
Term | Rate |
---|---|
7 yr. Fixed | Call for rate |
10 yr. Fixed | Call for rate |
15 yr. Fixed | Call for rate |
20 yr. Fixed | Call for rate |
Home Loans
Product | Term | Rate | APR |
---|---|---|---|
Conventional | 15 yr. Fixed | 7.000% | |
Conventional | 30 yr. Fixed | 7.125% | |
FHA | 30 yr. Fixed | 6.750% | |
VA | 30 yr. Fixed | 6.750% | |
Home Equity Line of Credit | Contingent on loan amount | 8.50% | |
Express Home Improvement | $10,000 = 10 yr. ; $10,001 - $25,000 = 15 yr. | 6.99% | |
Nonsalable | 15 yr. | Call for rate | |
Nonsalable | 20 yr. | Call for rate | |
Salable | 15 yr. | Call for rate | |
Salable | 20 yr. | Call for rate |
Rates are current as of 2/1/2024 and subject to change. APR=Annual Percentage Rate. Max limit on HELOC is $100,000. Max limit on Express Home Improvement is $25,000.
IRA Certificates
Term | Tier | APY |
---|---|---|
CD Special - 6 Months | $25,000+ | 5.00% |
CD Special - 12 Months | $25,000+ | 5.15% |
CD Special - 18 Months | $25,000+ | 4.65% |
6 Months | $500 - $100,000+ | 3.00% |
12 Months | $500 - $100,000+ | 3.25% |
24 Months | $500 - $100,000+ | 2.80% |
36 Months | $500 - $100,000+ | 2.90% |
48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 1/23/2024. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
6 Month Terms | 90 days' dividends |
12/24 Month Terms | 180 days' dividends |
36/48 Month Terms | 360 days' dividends |
Kasasa Cash
Balance | Minimum Opening Deposit | Rate | APY |
---|---|---|---|
0 - $5,000 | $10 | 5.84% | 6.00% |
$5,000+ | $10 | 0.10% | 6.00% to 0.38% |
All balances if qualifications not met | $10 | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases with minimum POS of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next month.
Kasasa Saver
Balance | Dividend Rate | APY |
---|---|---|
0 - $25,000 | 2.00% | 2.00% |
$25,000+ | 0.10% | 0.10% |
All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases with a minimum POS transaction of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you will still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Loans
Loan | Terms | APR |
---|---|---|
New & Used Autos | 2022 and newer up to 72 months; 2019 - 2021 up to 60 months; 2018 and older up to 48 months |
as low as 7.24% |
Motorcycles | up to 48 months | as low as 11.74% |
New Boats | up to 60 months | as low as 11.74% |
Used Boats | up to 48 months | as low as 11.74% |
ATVs | up to 48 months | as low as 12.75% |
Share Secured Loans | up to 60 months | 3.75% |
Share Certificate Loans | Equal to term of certificate | 3.75% above certificate rate |
Signature Loans | Contingent on loan amount | as low as 11.49% |
*Current loan interest rates effective 12/1/2023 until further notice. Auto loan rate quoted is our pre-approval rate. All loan rates are quoted using Annual Percentage Rate - APR. Extended terms available with rate pricing adjustment.
Money Market Share Account
Balance | APY |
---|---|
$2,000 - $24,999 | 0.70% |
$25,000 - $99,999 | 0.70% |
$100,000+ | 0.70% |
Personal Credit Cards
Loan | APR | |
---|---|---|
Platinum Rewards | 14.50% or 16.50% (variable) | |
Platinum |
11.50% or 14.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change.
Share Accounts
Account | APY |
---|---|
Free Checking | 0.00% |
Savings Account | 0.25% |
Storm Shelter Loan
Loan | Term | APR |
Storm Shelter Loan | up to 36 months | 3.50% |
Maximum term of 36 months. Maximum loan amount of $4,000. Must be the owner of the home where storm shelter is to be installed. Applicant must provide contract from storm shelter provider to confirm shelter cost. Payment for storm shelter must be made payable to company/contractor installing storm shelter. APR = Annual Percentage Rate. All offers subject to credit union approval. Offer available through March 29, 2024.