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Mortgage Rates & Loan Options

Get the home you want at a reasonable rate

Whether purchasing, refinancing or making improvements, Truity specialists will help you with your home ownership goals.

Truity's home loan options:
  • Conventional Mortgages
  • Mortgage Refinances
  • FHA Loans
  • VA Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Construction Loans
We offer new home loans, refinancing, home equity loans, and home equity lines of credit, all with great rates.

Conventional Home Loans
as low as


15 Year Fixed APR/WAC1

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FHA Home Loans
as low as


15 Year Fixed APR/WAC1

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VA Home Loans
as low as


15 Year Fixed APR/WAC1

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Home Refinance as low as


15 Year Fixed APR/WAC1

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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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Relocation Home Loans
as low as


15 Year Fixed APR/WAC1

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Serving up unsurpassed experiences

“I have to say this is the single most pleasant experience I’ve had with a financial institution in the 20 years I’ve had to work with them, business or otherwise. I am telling everyone I talk to how great Truity and the people there have been to us.”

Jean V.

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

Becki Gailey

Bartlesville Mortgage Officer

Geoff Strole

Lawrence Mortgage Officer

Patti Dodrill

Springdale Mortgage Officer


1. All rate quotes are based on a 30 day lock on a primary residence for members with excellent credit in Bartlesville, OK. Annual Percentage Rates (APRs) for Conventional loans are based on an 80% LTV, $80,000.00 loan, FHA loans are based on a 96.5% LTV, $96,500.00 loan, and VA loans are based on a 100% LTV, $100,000.00 loan. 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.

Annual Percentage Rate/With Approved Credit. Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

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