Javascript is currently disabled. This site requires Javascript to function correctly. Please enable Javascript in your browser!

Current Rates and Related Information

Deposit Type Minimum Rate Annual Percentage Yield
  • Rates are subject to change at any time and without notice.
  • Questions please contact the Credit Union @ 918-836-9922.
Share Savings $100 0.25% 0.25%
Club Savings $100 0.25% 0.25%
6 Month Certificate $2,500 0.75% 0.753%
1 Year Certificate $2,500 0.90% .0.904%
2 Year Certificate $2,500 1.19% 1.197%
3 Year Certificate $2,500 1.29% 1.298%
IRA Club Savings N/A 0.85% 0.853%
IRA 1 Year Certificate $1,000 0.95% 0.954%
IRA 2 Year Certificate $1,000 0.95% 0.954%

Rate Ranges as of: 04/01/2017

Loan Type Term Annual Percentage Rate Range
  • All terms are dependent on loan amount, collateral, & other compensating factors. >78 month term requires a minimum $25K loan. Terms > 72 months and <$25K are avaliable with purchase of FOPCU ancillary product(s). (Boats & RV's: <$10K: 60 Month Max Term; $10,001-$15K : 72 Month Max Term; > $15,001-$20K: Up to 96 Month Term; > $20,001 Up to 120 Month Term). (Motorcycles: 0-$5000 = 36 Month Term; $5001-$10,000 = 48 Month Term; $10,001-$15,000 = 60 Month Term; > $15,000 = 72 Month Term).
  • APR Range: Rates listed are the lowest and highest rate (APR) available.
  • All rates are dependent on individual credit and other compensating factors. 2.99% base rate is up to 78 month term; 3.99% base rate applies to 79-120 month term.
New Auto Up to 78 Months 2.45% - 10.45%
New Motorcycle Up to 72 Months

2.45% - 10.45%

Used Auto/ Motorcycle/ ATV's

Up to 72 Months Current Year: 2.99% - 10.99%
Used Auto/ Motorcycle/ ATV's

Up to 72 Months

2010 to 2015: 3.99% - 11.99%

Used Auto/ Motorcycle/ ATV's

Up to 72 Months

2005 to 2009: 4.99% - 12.99%

Used Auto/ Motorcycle/ATV's

Up to 72 Months

2004 and older: 5.99% - 13.99%

New Boat/ RV/ Travel Trailer

Up to 180 Months

3.45% - 11.45%

Used Boat/ RV/ Travel Trailer

Up to 120 Months

Current Year: 3.99% - 11.99

Used Boat/ RV/ Travel Trailer

Up to 120 Months

2010 to 2015: 4.99% - 12.99%

Used Boat/ RV/ Travel Trailer

Up to 120 Months

2005 to 2009: 5.99% - 13.99%

Used Boat/ RV/ Travel Trailer

Up to 120 Months

2004 and older: 6.99% - 14.99%

New Personal Watercraft

Up to 60 Months 2.45%-10.45%
Used Personal Watercraft

Up to 48 Months 2.99%-10.99%
New Utility Tractor >25 HP

Up to 84 Months

2.45% - 10.45%

Used Utility Tractor >25 HP

Up to 84 Months

Current Year: 2.99% - 10.99%

Used Utility Tractor >25 HP

Up to 84 Months

2010 to 2015: 3.99% - 11.99%

Used Utility Tractor >25 HP

Up to 84 Months

2005 to 2009: 4.99% - 12.99%

Used Utility Tractor >25 HP

Up to 84 Months

2004 and older: 5.99% - 13.99%

Lawn and Garden Equipment ($1,000 min) Up to 36 Months 5.99%-13.99%
Unsecured Signature Loans Up to 36 Months 8.99%-16.99%* 
Storm Shelter Loans Up to 60 Months 2.45%-10.45%* 
Share/CD Secured Loans (Available Balance) Dependent on Amount 3% above last dividend rate
Loan Balance Monthly Payment
  • The Current Rate is a Variable rate, based on Prime plus 7%
Up to $300 $20.00
$301 - $600 $40.00
$601 - $1000 $50.00
$1001 - $1500 $60.00
$1501 - $2000 $70.00
Current Rate 10.25%

Share Secured

The Annual Percentage Rate (APR) for share secured advances will be the dividend rate being paid on the date of the advance plus 3%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the 1st day of each month to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been paid.



Credit Score

The Annual Percentage Rate for loans are based upon your credit score and other compensating factors.

Certificate Secured

The Annual Percentage Rate (APR) will be the dividend being paid on the date of the advance plus 3%. The certificate must be renewed until the advance is paid. Failure to renew will result in default under the plan. When renewed, the APR will reflect the new dividend rate plus 3%. Any increase in the APR will take the form of more payments of the same amount until what you owe has been paid.



Filing Fees

You will be charged a filing fee at the time of the advance if collateralized. The amount of this fee will be based upon the amount required by state law for us to obtain a lien on your property.

Late Charge

You agree to pay a late charge for each payment in default if greater than 15 days late, this fee will be applied to your loan.

Other Fees

Other fees may be applied to your loan, including, but not limited to the following:
  • The amount of any returned check drawn by you and/or any joint owner holder on your account with the Credit Union.
  • All insufficient and/or return check charges.
  • All check/debit card deficiencies.
  • All TransFund card deficiencies.
  • Delinquent Safe deposit box fees.
  • Safe deposit box replacement key charges.
  • All late charge fees.
  • All collection costs including reasonable attorney fees.

Fraternal Order of Police Credit Union

     
FOPCU Routing Number: 303985974
Copyright 2016 by Fraternal Order of Police Credit Union.
Your savings federally insured at least $250,000 and backed by the full faith and credit of the United States Government.
Asset 1 Asset 2 Asset 3 Asset 4 Asset 5 Asset 6 Asset 8 Asset 9