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OECU Loans & Credit Cards
Low Rates
If
you're looking for a loan with flexible payment options, low rates and
fast approval, you've just found it! By offering a broad selection of
loans to meet virtually everyone's needs, we're making dreams come true
every day.
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Apply Online ::
If
you'd like to apply right away, simply click here to go to our quick
online application. If after receiving your application, we need more information,
one of our Loan Officers will give you a call.
Apply By Phone
If
you would prefer to apply with a live person, you can meet with a Loan
Officer; or apply over the telephone at (405) 722-2234,
or toll-free (800) 324-8259.
Great Features at No Extra Cost
All
of our consumer loans come with many extra features that save you time
and money, as well as making your life easier, too!
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Simple interest so if you pay ahead or pay the loan off early, you'll
save money
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No pre-payment penalties so you can pay the loan off anytime you want
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Skip a month's worth of payments annually for a small fee.
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Low-rate, monthly Payment Credit Life and Disability Insurance can be
included in your monthly payment to cover the balance of the loan to
protect you and your family for typically only a few dollars a month
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Easy automatic payments using the method you prefer the most whether
its Direct Deposit, Payroll Deduction, Automatic Payment Transfer or
using our Online Home Banking.
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Easy online advances (line of credit) using Online Home Banking to
transfer funds to your savings or checking accounts
HELOCs (Home Equity Line of Credit)...
Borrowing against the equity in your home offers a low, adjustable rate
of interest Best of all, the interest paid could be tax
deductible. With terms up to 15 years, you can
find the money you need for home renovations, education, vacation and
more. (Consult your tax advisor for tax deduction details).
Click here to apply now.
Auto Loans...
Offer some of our lowest rates; and with terms up to 84
months and the same low rates on
all model years 2006 and newer, it's hard to find a better deal. If
you've already financed your auto loan somewhere else, check with us
anyway. We might be able to refinance and save you money!
Click here to apply now.
Recreational Vehicle Loans...
Allow you to buy that current or previous year model RV, boat, jet ski
or motorcycle you've always wanted. And with great low rates and
flexible terms, you don't have to wait any longer.
Click here to apply now.
Credit Card Loans...
There's no better way to shop for what you need than with our convenient Visa and
Mastercard Classic or our new Rewards Visa which gives you reward points for the things you buy.
Click Here to
check your balance or make a payment.
Click here to apply now.
Unsecured
Loans...
Solves the problem of having no collateral. Signature loans
have great rates, flexible terms and all it takes is your signature.
Lending Regulation Update
We are changing the way we make consumer loans. Presently, we use an OPEN END method and as of April 1, 2011 will be changing to a CLOSED END method.
Recent changes in Federal Lending Regulations require this change to be made.
This change will not affect your present loan with OECU.
The primary change for our members will be the requirement of signing new loan documents with each loan. With OPEN END lending, you could borrow under the same plan for an undetermined length of time without having to sign new papers.
We understand this will not be as convenient as it was in the past. We are taking the necessary steps to minimize the effects these changes will have on you as a borrower.
If you have any questions or need a new loan, please do not hesitate to contact loan personnel.
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