The Focus Credit Union
Verified rate book
Current The Focus Credit Union rates
21 published offers verified as of August 4, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.500% APR | 6.500% | — | Standard |
| 15-Year Fixed15 year fixed | 5.875% APR | 5.875% | — | Standard |
| 10-Year Fixed10 year fixed | 5.875% APR | 5.875% | — | Standard |
| 20-Year Fixed20 year fixed | 6.375% APR | 6.375% | — | Standard |
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Vehicle Loans 79 thru 90 monthsauto_any_90mo | 5.450% APR | 5.450% | 90 mo | Standard |
| Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)boat_any_66mo | 6.450% APR | 6.450% | 66 mo | Standard |
| Vehicle Loans 91 thru 120 monthsauto_any_120mo | 7.450% APR | 7.450% | 120 mo | Standard |
| Fresh Start Auto Loanauto_any_66mo | 12.950% APR | 12.950% | 66 mo | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC MasterCardheloc_variable | 6.875% APR | 6.875% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 9.990% APR | 9.990% | — | Standard |
| Credit Builder Loanpersonal | 16.990% APR | 16.990% | — | Standard |
| Fresh Start Personal Loanpersonal_unsecured | 16.990% APR | 16.990% | — | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Platinum MasterCardcredit_card_platinum | 10.990% APR | 10.990% | — | Standard |
| Unsecured Classic MasterCardcredit_card | 12.990% APR | 12.990% | — | Standard |
| Secured Credit Cardcredit_card_secured | 13.990% APR | 13.990% | — | Standard |
Savings & CD rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| High Interest Checking - up to $20,000savings | 1.25% APY | 1.24% | — | Standard |
| 36-Month Certificatecd_36mo | 2.85% APY | 2.81% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 2.85% APY | 2.81% | 48 mo | Standard |
| 24-Month Certificatecd_24mo | 3.00% APY | 2.96% | 24 mo | Standard |
| 6-Month Certificatecd_6mo | 3.25% APY | 3.20% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 3.85% APY | 3.78% | 12 mo | Standard |
As of August 4, 2026, The Focus Credit Union offers a 30-year fixed mortgage at 6.5% APR. Vehicle loans available from 5.45% APR for 90 months. HELOC rates from 6.875% APR. Personal loan rates from 9.99% APR. Credit card rates from 10.99% APR. Savings and certificate yields up to 3.85% APY.
Source: RateAPI.dev, verified from The Focus Credit Union's official website
Latest available market position · Snapshot August 1, 2026
The Focus Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other OK credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| 30-Year Fixed Mortgage (purchase) | 6.50% APR | #3 of 9 · top 34% | 6.29% | 6.97% | 47 bp better than state median |
| HELOC (best offer) | 6.88% APR | #9 of 11 · top 82% | 5.25% | 6.75% | 13 bp behind state median |
| Personal Loan (unsecured, best offer) | 9.99% APR | #10 of 31 · top 33% | 7.25% | 10.75% | 76 bp better than state median |
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About The Focus Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 12.3K
- Assets
- $162.1M
- Founded
- 1955
- Locations reported
- 5
- NCUA charter
- 10283
- 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
- Financial education
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join The Focus Credit Union
Membership eligibility from The Focus Credit Union's own published criteria. How we verify this.
Membership criteria are published on The Focus Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from The Focus Credit Union's membership page. Final membership determination is always made by the credit union.
Work at The Focus Credit Union?
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Frequently Asked Questions
What rates does The Focus Credit Union offer?
The Focus Credit Union currently offers mortgage, vehicle loan, HELOC, 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 The Focus Credit Union rates updated?
RateAPI verifies The Focus 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 The Focus Credit Union's rate data?
Rate data is collected directly from The Focus 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 The Focus Credit Union's mortgage rate?
As of August 4, 2026, The Focus Credit Union offers a 30-year fixed mortgage at 6.5% APR.
What are The Focus Credit Union's auto & boat loan rates?
As of August 4, 2026, The Focus Credit Union offers vehicle loans from 5.45% APR.
What is The Focus Credit Union's HELOC rate?
As of August 4, 2026, The Focus Credit Union offers home equity lines of credit from 6.875% APR.
What is The Focus Credit Union's personal loan rate?
As of August 4, 2026, The Focus Credit Union offers personal loans from 9.99% APR.
What is The Focus Credit Union's best CD rate?
As of August 4, 2026, The Focus Credit Union offers savings and certificate (CD) yields up to 3.85% APY.
Related Rate Data
Compare The Focus 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
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View MethodologyTrack The Focus Credit Union rates
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# Get rates for The Focus Credit Union
curl "https://api.rateapi.dev/credit-unions/oklahoma/the-focus" \
-H "Authorization: Bearer YOUR_API_KEY"