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CONSUMER LOANS


Rates Effective as of September 2, 2025
Type Term Annual Percentage Rate (APR*) as low as
Share Secured (up to) 60 months 3
Share Secured (up to) 120 months 3
Share Certificate Secured (up to) 120 months 2
Personal "Whatever" Loan (up to) 60 months1 6.99%
PCS Loan (up to) 12 months
Consolidate Active Revolving Expenses Loan (C.A.R.E) up to $5,000 48 months 13.50%
Consolidate Active Revolving Expenses Loan (C.A.R.E) $5,001 to $10,000 60 months 13.50%
Payday Alternative Loan (PAL) (up to) 6 months
Fast Cash Line of Credit
Payment is 3.50% of Unpaid Balance		 N/A
Overdraft Line of Credit N/A
Storm Shelter (up to) 48 months -

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Minimum Payment Never Less Than $25.00 Monthly.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Rates do not apply to existing credit union loans. Please contact credit union for further details.
Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type and credit history.
Personal loan rates range between 6.99% APR to 17.99% APR.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply.
1With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount. . Loan rate published is as low as stated rate for a maximum 12 month term.
2Share Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2.50%. Please contact credit union for further details.
3Share Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Account at the time of origination plus 2.50% for loans up to 60 months, 3.50% for loans up to 120 months. Please contact the credit union for further details.

 
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If you live, work, worship or attend school in these counties, you may be eligible for membership:
Oklahoma Counties:Comanche, Caddo, Canadian, Cleveland, Cotton, Garvin, Grady, Jefferson, Kiowa, McClain, Oklahoma, Stephens, Tillman, and Washita
Texas Counties: Archer, Haskell, Montague, Shackleford, Throckmorton, Wichita, and Wilbarger.
Become a member today and start experiencing the credit union difference.

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For information regarding fees, please refer to our Fee Schedule

Once you have established an account, you can take advantage of these beneficial offers and services:
Overdraft Privilege | Online & Mobile Banking | Special Offers on Loans
Credit Cards with Rewards | ATM/Debit Cards | Shared Branching