Credit union · NCUA insured
Oklahoma's Credit Union Credit Card Rates
Top CarrotOklahoma's Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Oklahoma's Credit Union’s credit card rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Oklahoma's Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Oklahoma's Credit Union
11.74%APR
- Up to
- 17.99% APR
Smart Credit Card
Lowest rate
Oklahoma Federal Credit Union
7.00%APR
- Up to
- 11.00% APR
2nd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
Oklahoma's Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oklahoma's Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–17.99% | None | APR applies to purchases, balance transfers and cash advances. 25 days grace period. $0 balance transfer fee. $0 cash advance fee. Minimum payment is greater of 1% or $25. |
Secured Credit Card
Secured with a deposit; credit line equals initial deposit amount (e.g. $500 deposit for a $500 credit line).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | APR applies to purchases, balance transfers and cash advances. 25 days grace period. $0 balance transfer fee. $0 cash advance fee. Minimum payment is greater of 2.5% or $10. |
Smart Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–17.99% | None | APR applies to purchases, balance transfers and cash advances. 25 days grace period. $0 balance transfer fee. $0 cash advance fee. Minimum payment is greater of 2.5% or $10. |
Who can join Oklahoma's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work, worship, attend school in, or do business in an OKC metro or Tulsa metro qualifying area.
Employers and groups
- Employees of OKCU's partner organizations and employee partner groups qualify for membership.
Family and household
- Individuals qualify for membership if they are a spouse, domestic partner, child, sibling, parent, grandparent, or grandchild of someone who is eligible to be an OKCU member.
Other ways
- Residents of Oklahoma can qualify for membership by joining the Oklahoma Historical Society, with OKCU paying the one-time membership fee.
Membership information collected October 4, 2026.