Home Loans

We offer new home loans, refinancing, home equity loans, and home equity lines of credit, all with great rates.

Home Loans
as low as

3.361% *

15 Year Fixed APR/WAC

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Home Refinance as low as

3.361% *

15 Year Fixed APR/WAC

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Home Equity Loans

This is a fixed rate loan. $5,000 minimum loan amount with 60 month term, up to 90% Loan to Value (LTV). Fixed rates do not apply to all states. Appraisals are required. Please check rates for payment terms, closing costs and availability for your area. Adequate property insurance must be maintained. Rates available depending on desired term and LTV. For Texas homeowners, the minimum loan is $10,000 and the maximum LTV is 80%. A minimum balance ($25) share savings account is required to maintain membership in the Credit Union. Consult your tax advisor to see if your interest is eligible for a tax deduction.

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Home Equity Line as low as



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Our Mortgage Application is required to be completed on a desktop computer. Mobile devices are not compatible with the Mortgage Application. Please use a desktop computer to complete our Mortgage Application.

Real People Helping You

Meet our regional mortgage officers.

They are our very own super friendly mortgage experts! Go ahead, ask them anything!

Andrew Harris

Regional Mortgage Officer

Janet Witzel

Bartlesville Mortgage Officer

Geoff Strole

Lawrence Mortgage Officer

*Important Notices

Rate quotes are based on a 30 day lock; Primary residence, excellent credit, APR based on an 60% LTV, $60,000.00 loan in Bartlesville, OK. Rates and points are subject to change without notice. This information was not compiled in accordance with regulations governing advertising and is not intended for public dissemination. Truity CU is an Equal Housing Lender.
  • The rates shown are for borrowers with excellent credit. We do not allow you to lock your interest rate online. A Loan Officer will contact you to lock your rate after you submit your application and pay your application deposit.  
  • The interest rates and annual percentage rate (APRs) shown above are subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home.  
  • Your APR will vary based on your final loan amount and actual finance charges.  
  • Consult your tax advisor about deductibility.  
  • Adequate homeowner's insurance coverage is a requirement for this loan.

** The Annual Percentage Rate is based on the value of an index, (The weekly average yield on United States Treasury securities adjusted to a constant maturity of one year) plus a margin. The margin will be added to the index and will range from 2.75% to 5.25% to determine your actual interest rate. The interest rate is adjustable and can change each calendar quarter.


Equal Housing LenderWe Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.



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