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Oklahoma Central Credit Union

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Oklahoma Central Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oklahoma Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Oklahoma Central Credit Union's RV, Boat and Powersport Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Oklahoma Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.55%. Rates last updated and verified on 09/22/2026.

Oklahoma Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Oklahoma Central Credit Union? Share your experience about Oklahoma Central Credit Union by leaving a review below, or read customer reviews before you decide to use Oklahoma Central Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Oklahoma Central Credit Union
Brookside

4956 S Peoria Ave
Tulsa, OK 74105

https://www.oklahomacentral.org

Oklahoma Central Credit Union Checking Rates

Product	Rate	APY
Momentum Checking	-	6.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Fifteen (15) Non-ATM debit transactions per qualification period; Balance: $0 - $9,999.99; APY effective 07/01/26. Rates may change after account open. Dividends are compounded monthly. Fees could reduce the earnings on the account. Membership conditions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Momentum Checking	-	3.00%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: Fifteen (15) Non-ATM debit transactions per qualification period; Balance: $10,000 - $49,999.99; APY effective 07/01/26. Rates may change after account open. Dividends are compounded monthly. Fees could reduce the earnings on the account. Membership conditions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Oklahoma Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loan	7.74%	-	7.74%	5-year
Details NO CLOSING COSTS!; Receive all funds up front, fixed monthly payment; For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value less than or equal to 80% and a 5-year fixed rate of 7.74%, the APR is 7.74% and the monthly payment for principal and interest would be $504. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Home Equity Line of Credit	-	-	7.74%	variable
Details As low as 7.74% APR; For loans with a loan to value below 80%, introductory rate is 7.74% APR for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 1.5% APR margin (8.50% APR as of 09/18/26) with a floor of 4.75% APR. The current Prime rate is 7.00% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 09/18/26 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Home Equity Loan	-	-	7.74%	5-year fixed
Details As low as 7.74% APR; For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value less than or equal to 80% and a 5-year fixed rate of 7.74%, the APR is 7.74% and the monthly payment for principal and interest would be $504. Must have or open share account with a minimum $25 balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Home Equity Loan	-	-	8.49%	5-year fixed
Details As low as 8.49% APR; For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value between 80% and 95% and a 5-year fixed rate of 8.49%, the APR is 8.49% and the monthly payment for principal and interest would be $513. Must have or open share account with a minimum $25 balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Fixed Home Equity Loan	8.74%	-	8.74%	5-year
Details NO CLOSING COSTS!; For loans with an LTV 80% to 95%, introductory rate is 8.74% APR for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 2.5% APR margin (9.50% APR as of 09/18/26) with a floor of 5.75% APR. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Home Equity Line of Credit	-	-	8.74%	variable
Details As low as 8.74% APR; For loans with a loan to value 80% to 95%, introductory rate is 8.74% APR for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 2.5% APR margin (9.50% APR as of 09/18/26) with a floor of 5.75% APR. The current Prime rate is 7.00% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 09/18/26 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Oklahoma Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans - Vehicle 2023-2024	-	-	4.49%	60 months
Details As Low As; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New & Used Auto Loans - Vehicle 2025-2027	-	-	4.49%	60 months
Details As Low As; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Auto Loan	-	-	5.69%	60 months
Details As low as 5.69% APR; Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New & Used Auto Loans - Vehicle 2021-2022	-	-	5.69%	60 months
Details As Low As; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Auto Loan	-	-	7.99%	60 months
Details As low as 7.99% APR; Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New & Used Auto Loans - Vehicle 2017-2020	-	-	7.99%	60 months
Details As Low As; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Auto Loan	-	-	9.99%	60 months
Details As low as 9.99% APR; Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR, with 60 monthly payments, will be $213 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
New & Used Auto Loans - Vehicle 2016 & Older	-	-	9.99%	60 months
Details As Low As; Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR, with 60 monthly payments, will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Oklahoma Central Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	8.74%	60 months
Details As low as 8.74% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 8.74% APR with 60 monthly payments will be $207 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
RV Loan	-	8.74%	60 months
Details As low as 8.74% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 8.74% APR with 60 monthly payments will be $207 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Motorcycle / ATV Loan	-	9.99%	60 months
Details As low as 9.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $213 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Personal Watercraft Loans	-	9.99%	60 months
Details As low as 9.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Oklahoma Central Credit Union Personal Loan Rates

Product	APR	Term
Personal Watercraft Loans	9.99%	60 months
Details As low as 9.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Unsecured Loans	10.99%	60 months
Details As Low As; Rate subject to credit approval. Rate quoted as of 07/01/26 and 42-month financing. A $10,000 loan, at 10.99% APR with 42 monthly payments will be $288 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Unsecured Signature Loans	10.99%	42 months
Details As low as 10.99% APR; An unsecured loan is a loan not secured by collateral, but instead member's signature. APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 42-month financing. A $7,500 loan at 10.99% APR with 42 monthly payments will be $216 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Oklahoma Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Heating & Air System Loan	-	-	10.49%	84 months
Details As low as 10.49% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 84-month financing. A $15,000 loan at 10.49% APR with 84 monthly payments will be $253 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Storm Shelter / Generator Loans	-	-	6.99%	48 months
Details As low as 6.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 48-month financing. A $10,000 loan at 6.99% APR with 48 monthly payments will be $254 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Storm Shelter / Generator Loans	-	-	6.99%	42 months
Details As low as 6.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 42-month financing. A $5,000 loan at 6.99% APR with 42 monthly payments will be $135 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Tractor Loan	-	-	9.99%	60 months
Details As low as 9.99% APR; APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 07/01/26 and 60-month financing. A $15,000 loan at 9.99% APR, with 60 monthly payments will be $319 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Oklahoma Central Credit Union’s Texas Ratio stayed near 0.56% in Q2 2023 to 0.55% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$761M	0.55%	5.0	A+
December 31, 2025	$728M	0.65%	5.0	A+
September 30, 2025	$718M	0.70%	5.0	A+
June 30, 2025	$712M	0.56%	5.0	A+
March 31, 2025	$708M	0.78%	5.0	A+
December 31, 2024	$687M	0.98%	5.0	A+
September 30, 2024	$686M	0.56%	5.0	A+
June 30, 2024	$681M	0.80%	5.0	A+
March 31, 2024	$686M	1.04%	5.0	A+
December 31, 2023	$673M	1.38%	5.0	A+
September 30, 2023	$672M	0.99%	5.0	A+
June 30, 2023	$686M	0.56%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Oklahoma Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Oklahoma Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Oklahoma Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oklahoma Central Credit Union

Website https://www.oklahomacentral.org

Address 4956 S Peoria Ave, Tulsa, OK 74105

Phone 918-664-6000

Fax 918-280-5221

President Joel Dollar

CEO Gina Wilson

Full-Time Employees 127

Part-Time Employees 8

Branch Locations 9

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.55%

Return on Assets (ROA)

0.1045%

Return on Equity (ROE)

0.7595%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

760,722,835

Total Amount of Shares and Deposits

664,433,635

Total Shares and Deposits < 1 Year

652,777,640

Total Shares and Deposits 1 3 Years

10,271,862

Total Shares and Deposits > 3 Years

1,384,134

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

56,548,441

Total Uninsured Shares and Deposits > $250K (F+J)

56,548,441

Total Insured Shares and Deposits > $250K (item 17 less item K)

607,885,194

Total Interest Expense (Sum of items 6 8)

2,231,755

Share Certificates

2,581

Number of Accounts for Share Drafts

33,331

IRA KEOGH Accounts

1,848

Number of Accounts for Regular Shares

30,257

Money Market Shares

1,687

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

33,715,886

Total Liabilities

667,674,061

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Oklahoma Central Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Oklahoma Central Credit Union

How many branches does Oklahoma Central Credit Union operate?

Oklahoma Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Oklahoma Central Credit Union?

Yes, to access services at Oklahoma Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Oklahoma Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oklahoma Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Oklahoma Central Credit Union offer online and mobile banking?

Most modern institutions like Oklahoma Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oklahomacentral.org.