Encentus Credit Union
Verified rate book
Current Encentus Credit Union rates
33 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Loanother | 5.700% APR | 5.700% | — | Standard |
Auto & vehicle rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 84-Month Used Auto Loanauto_used_84mo | 5.000% APR | 5.000% | 84 mo · used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 5.000% APR | 5.000% | 84 mo · new | Standard |
| Auto Loanauto | 6.250% APR | 6.250% | — | Standard |
| 84-Month Motorcycle Loanmotorcycle_any_84mo | 6.500% APR | 6.500% | 84 mo | Standard |
| Boats, RVs, 5th Wheels, Travel Trailers, Watercraft, ATVs, Motor Homesboat_any_180mo | 7.500% APR | 7.500% | 180 mo | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Household Goodspersonal_unsecured_48mo | 6.500% APR | 6.500% | 48 mo | Standard |
| 60-Month Personal Loanpersonal_unsecured_60mo | 11.400% APR | 11.400% | 60 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| MasterCard Terms & Conditionscredit_card | 10.900% APR | 10.900% | — | Standard |
Savings & CD rates
24 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $50.00 To $1,000savings | 0.10% APY | 0.10% | — | Standard |
| Savings ($50–$1,000)share_savings | 0.10% APY | 0.10% | — | Standard |
| Savings ($1,001–$10,000)share_savings | 0.15% APY | 0.15% | — | Standard |
| $1,001 To $10,000savings | 0.15% APY | 0.15% | — | Standard |
| $10,001 To $50,000savings | 0.20% APY | 0.20% | — | Standard |
| Savings ($10,001–$50,000)share_savings | 0.20% APY | 0.20% | — | Standard |
| Savings ($50,001+)share_savings | 0.25% APY | 0.25% | — | Standard |
| Club Savings ($50.00 to $1,000)savings | 0.25% APY | 0.25% | — | Specialty offer |
| $50,001 And Oversavings | 0.25% APY | 0.25% | — | Standard |
| Club Savings ($1,001 and over)savings | 0.30% APY | 0.30% | — | Specialty offer |
| IRA ($50–$9,999.99)ira | 0.35% APY | 0.35% | — | Standard |
| IRA Savings ($10,000 to $24,999.99)ira | 0.40% APY | 0.40% | — | Standard |
| IRA ($25,000+)ira | 0.45% APY | 0.45% | — | Standard |
| 3-Month IRA Certificateira_cd_3mo | 0.50% APY | 0.50% | 3 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 30-Month IRA Certificateira_cd_30mo | 3.00% APY | 3.00% | 30 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.00% APY | 3.00% | 24 mo | Standard |
| Certificateshare_certificate | 3.10% APY | 3.10% | — | Standard |
| 18-Month IRA Certificateira_cd_18mo | 3.40% APY | 3.40% | 18 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
| Jumbo Share Certificates **,*** (24 Months)share_certificate_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| Jumbo Share Certificates **,*** (18 Months)share_certificate_18mo | 3.75% APY | 3.75% | 18 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 3.75% APY | 3.75% | 6 mo | Standard |
| Jumbo Share Certificates **,*** (12 Months)share_certificate_12mo | 4.00% APY | 4.00% | 12 mo | Standard |
As of August 4, 2026, Encentus Credit Union offers mortgage rates from 5.7% APR. Vehicle loans available from 5% APR for 84 months. Personal loan rates from 6.5% APR. Credit card rates from 10.9% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Encentus Credit Union's official website
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About Encentus Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4.6K
- Assets
- $21.6M
- Founded
- 1970
- Locations reported
- 1
- NCUA charter
- 20015
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Encentus Credit Union
Membership eligibility from Encentus Credit Union's own published criteria. How we verify this.
Membership via occupations (Health Care Industry)
- LocationOK
- OccupationHealth Care Industry
Verified from Encentus Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Encentus Credit Union offer?
Encentus Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Encentus Credit Union rates updated?
RateAPI verifies Encentus Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Encentus Credit Union's rate data?
Rate data is collected directly from Encentus Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Encentus Credit Union's mortgage rate?
As of August 4, 2026, Encentus Credit Union offers mortgage rates from 5.7% APR.
What are Encentus Credit Union's auto, boat & motorcycle loan rates?
As of August 4, 2026, Encentus Credit Union offers vehicle loans from 5% APR.
What is Encentus Credit Union's personal loan rate?
As of August 4, 2026, Encentus Credit Union offers personal loans from 6.5% APR.
What is Encentus Credit Union's best CD rate?
As of August 4, 2026, Encentus Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare Encentus Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Encentus Credit Union rates
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# Get rates for Encentus Credit Union
curl "https://api.rateapi.dev/credit-unions/oklahoma/encentus" \
-H "Authorization: Bearer YOUR_API_KEY"