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Loan Rates

Auto Loans                                                                                 Effective Date : 10-1-25
Model Year Term Rate
2022 - Newer up to 36 months 3.74% APR*
  37 - 48 months 4.24% APR*
  49 - 60 months 4.74% APR*
  61 - 72 months 5.24% APR*
  73 - 84 month 5.74% APR*
2019 - 2021 up to 36 months 4.49% APR*
  37 - 48 months 4.99% APR*
  49 - 60 months 5.49% APR*
  61 - 72 months 5.99% APR*
  73 - 84 months 6.49% APR*
2015 - 2018 up to 36 months 6.74% APR*
  37 - 48 months 7.24% APR*
  49 - 60 months^ 7.74% APR*

*APR = Annual Percentage Rate

Motorcycle, ATV, Personal Watercraft                               Effective Date : 10-1-25
Type Term Rate
New up to 60 months 5.74% APR*
  61 - 72 months 7.24% APR*
  73 - 84 months 7.74% APR*
Used up to 60 months 7.24% APR*
  61 - 72 months 7.74% APR*
  73 - 84 months 8.24% APR*

*APR = Annual Percentage Rate

Boat and RV Loans                                                                   Effective Date : 10-1-25
Model Year Term Rate
2022 - Newer up to 120 months 5.74% APR*
2019 - 2021 up to 120 months 6.24% APR*
2015 - 2018 up to 84 months 6.74% APR*

*APR = Annual Percentage Rate

Home Equity Loans (Primary Residence)                           Effective Date : 10-1-25
LTV Term Rate
80% 60 months 6.99% APR*
80% 61 - 120 months 7.49% APR*
90% 61 - 120 months 8.49% APR*
80% 121 - 180 months 7.99% APR*

*APR = Annual Percentage Rate

Home Equity Loans on Vacation/Rental Properties subject to a 4.00% rate premium, maximum loan to value of 70%, and does not include No Closing Cost option.

Home Improvement Loans                                                    Effective Date : 10-1-25
Type Term Rate
Solar, HVAC, Outbuilding,
Generator, Hot Tub, Sauna, Windows		 6 - 180 months 7.99% APR*

*APR = Annual Percentage Rate

Unsecured Loans

Signature Loans (Personal Loans)                                       Effective Date : 10-1-25
Type Term Rate
Personal Loan 12 - 48 Months 9.99% APR*

*APR = Annual Percentage Rate

Bucket List Loans                                                                     Effective Date : 10-1-25
Type Term Rate
Personal Loan 12 - 48 months 9.99% APR*

*APR = Annual Percentage Rate

VISA Platinum Credit Card with Rewards                          Effective Date : 10-1-25
Type Term Rate
VISA Platinum Fixed 11.99% APR*
Secured VISA Fixed 15.99% APR*

*APR = Annual Percentage Rate
 

Storm Shelter Loans                                                                Effective Date : 10-1-25
Type Term Rate
Personal up to 36 months 1.99% APR*
  37 - 60 months 2.99% APR*

*APR = Annual Percentage Rate. Rates and terms are effective 10-1-25] and are subject to change without notice. Actual rate, term, and loan amount will be determined by creditworthiness, collateral, and other factors. Advertised rate includes a 0.25% discount for automatic payments, and a 0.25% discount for direct deposit into a CUOne Rewards or Investor Checking account. ^ No Closing Cost offer available on Home Equity Loans greater than $25,000.00. Other restrictions may apply. Not all applicants will qualify for the lowest rate. All loans subject to approval. Membership with Credit Union One of Oklahoma is required. Credit Union One is an Equal Housing Lender. Federally insured by the NCUA. NMLS ID: 812426