Loan Rates

*Rates effective as of 06/19/2018


Loan Type Term APR*
Vehicles 0 – 84 months 2.84 – 16.50 %
Recreational Vehicles 0 – 120 months 3.49 – 17.00 %
All Other Secured Loans 0 – 60 months 8.00 – 17.00 %
Personal Loans 0 – 48 months 8.50 – 17.50 %

*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. .25 discount is available on Auto and Truck rates if an automatic payment agreement is set up. .10 additional discount for auto payment from HEFCU checking account.

Payment Examples

  • Vehicles: At 4.99% on a $10,000 loan with a 66 month term, monthly payment would be $173.58
  • Recreational Vehicles: At 8.75% on a 10,000 loan with a 60 month term, monthly payment would be $206.39
  • All Other Secured Loans: At 10% on a $10,000 loan with a 60 month term, monthly payment would be $212.49
  • Personal Loans: At 12.5% on a $10,000 loan with a 48 month term, monthly payment would be $265.84

Home Loans Term APR*
Mortgage 0 – 360 Months Rates set daily. Consult a Loan officer
Home Equity First liens Oklahoma Only (Max LTV 85%) 0 – 180 Months 4.50 – 5.00 %
Home Equity Junior liens Oklahoma Only (Max LTV 85%) 0 – 180 Months 5.25 – 7.00 %

*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. .25 discount is available on Auto and Truck rates if an automatic payment agreement is set up.

Payment Examples

  • Home Equity First Liens: At 4.50 % on a $10,000 loan for 60 months, payment would be $186.41**
  • Home Equity Junior Liens: At 7.00 % on a $10,000 loan for 60 months, payment would be $197.98**
  • **Payment examples do not include taxes or insurance.

Visa Credit Cards APR* Rate Type
Visa Platinum Card 5.5% Present rate – variable rate
subject to change semi annually at prime** + 1.00%
Visa Classic Card 12.95% Present rate – fixed

Click here for our credit card disclosures »

*APR = Annual percentage rate, credit qualifications and certain terms restrictions may apply. Not all members will qualify for a credit card, please contact a loan officer for more details.

**Prime as stated in the money section of the Wall Street Journal semi-annually on the 30th day of June and on the 31st day of December each year.