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Routing Number: 303986290

Loan Products

Dreams really do come true!

Finally a loan program that is convenient for you!

With FOKFCU’s 24-hour Loan Link, getting the loan you need has never been easier. Whether you need a Home Equity Loan, a New or Used Auto Loan, or a Personal Loan, FOKFCU can help turn your dreams into a reality. Click here to begin your loan application today!

If you prefer, you may reach one of our loan officers during our normal office hours.

Loans

First Oklahoma Federal Credit Union offers a wide variety of loans at affordable rates. Are you looking for your first car, a new car or pickup, a motor home or RV? Do you want to make use of the equity in your home?

You can expect all of our lending services to come with the prompt and friendly service you deserve as a member of FOKFCU. We believe our combination of outstanding service, great rates and convenience can't be beat!! Apply Today!

WE NOW OFFER PRE-APPROVAL ON NEW AND USED AUTO LOANS!

In order to obtain pre-approval, please submit an application along with proof of recent income and the estimated amount you would like to borrow. You will get an answer within 24 hours.

To get information about our great loan rates, contact one our loan officers.

Personal Loans


FOKFCU offers loans on your signature only. Terms are flexible so payments can be made to fit your individual needs. Loans can be used for any purpose such as bill consolidation, vacation or even a down payment on your dream house. Ask about our competitive rates.

Share Secured & Share Certificate Secured Loans


No need for "proof of income" or to wait to see if your loan is approved. You are guaranteed approval. The loan is secured by the funds you have in your savings account or in your share certificate account. It can be used for any purpose but at a reduced interest rate. A hold will be placed on your deposit for the amount of your loan. However your account still earns dividends so your savings continues to grow. As you pay back the loan and reduce your balance the account funds are released so you can use them as needed. Ask us for the current rates.

Home Equity Loans


The loan is secured by the equity you have in your home. You can use this loan for home improvements, consolidation, to purchase an auto, etc. We offer terms to fit everyone's budget. Equity is determined by taking the appraised value (or tax valuation) of your home then subtracting the balance of your mortgage. The credit union will not place a 3rd lien on any property so if you currently have a 2nd mortgage, we would need to include that in the new loan. Ask us for the current rates today!

Mortgages


Buying or refinancing is as easy as calling one of our friendly and professional loan officers. We handle the initial application process and submit your “package” to CUNA Mutual Mortgage for underwriting. FOKFCU has a long established partnership with CUNA Mutual and this new program promises to deliver a way for our valued members to improve their lifestyle with many different mortgage programs. Call us today for more information on rates and terms!

New and Used Auto/Truck Motorcycle Loans


We offer 100% financing (on approved credit) on these vehicles along with great rates on new and used vehicles. In order to qualify as “new,” a vehicle should have less than 10,000 miles and be within a current model year. For example: a 2003 model with less than 10,000 would still be “new” through the end of 2004.

To get an idea of how much a vehicle is worth – either buying or selling, go to www.kbb.com or www.nada.com. These free websites will give you an idea of the value of vehicles. Keep in mind that First Oklahoma Federal Credit Union is not responsible for the accuracy of these values and may differ from the official valuation done by the credit union for lending purposes.

Boats


The Credit Union will finance 100% of the retail value up to $30,000.00. Terms are available up to 84 months.

Please provide a buyers agreement (listing all accessories) showing the year, make and model as well as VIN#.

Please contact the Credit Union office for current rates and terms.

Recreation Vehicles


New – The credit union will finance 100% of the retail value up to $30,000.00. If the amount you are borrowing is more than $30,000.00 a minimum down payment of 10% will be required. Terms are available up to 72 months.

Please provide a buyers agreement (listing all accessories) showing the year, make and model as well as VIN#.

Please contact the Credit Union office for current rates and terms.

Mobile and Trailer Homes


New – The credit union will finance 95% of the retail value up to $30,000.00. Terms are available up to 84 months.

Please provide a buyers agreement (listing all accessories) showing the year, make and model as well as VIN#.

Please contact the Credit Union office for current rates and terms.

THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the First Oklahoma FCU website and entering a website hosted by another party. First Oklahoma FCU has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the First Oklahoma FCU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of First Oklahoma FCU. CLICK OK TO CONTINUE OR CANCEL TO ABORT

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