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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.

:: 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!

  • Simple interest so if you pay ahead or pay the loan off early, you'll save money

  • No pre-payment penalties so you can pay the loan off anytime you want

  • Skip a month's worth of payments annually for a small fee.

  • 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

  • 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.

  • 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 loans up to $100,000 and 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 72 months, no payments for the first two months, and the same low rates on all model years 2001 and newer, it's hard to find a better deal. And, 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 Classic, OEA Visa Gold or MasterCard credit card. 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.