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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results
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Fort Coffee, OK Home Equity & HELOC Rates - October 2026

Fort Coffee, Oklahoma home equity loan and HELOC rates from lenders serving Oklahoma range from 4.99% to 9.57%, verified by MonitorBankRates as of October 12, 2026. Current home equity loan rates for Fort Coffee, Oklahoma borrowers from lenders serving Oklahoma include Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit UnionA5.0 ★Texas Ratio: 12.30% offering Home Equity Loan at 4.99%, USE Federal Credit UnionUSE Federal Credit UnionA+5.0 ★Texas Ratio: 0.79% offering Home Equity at 5.75%, True Sky Federal Credit UnionTrue Sky Federal Credit UnionB+4.4 ★Texas Ratio: 8.51% offering Home Equity at 6.112%, Advancial Federal Credit UnionAdvancial Federal Credit UnionA5.0 ★Texas Ratio: 12.30% offering Home Equity at 6.24%, and OKLAHOMASOKLAHOMASA+5.0 ★Texas Ratio: 1.36% offering HELOC at 6.25%. Home equity and HELOC rates as of October 12, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated, we recommend checking back frequently.

Rates reflect actual verified offers from lenders actively serving Oklahoma borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026

Compare Home Equity & HELOC Rates Today in Fort Coffee, Oklahoma & the Surrounding Area

Fort Coffee Home Equity Loan Rates

Source: Verified Home Equity Loans Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity Loan
4.99%
4.99%
▼
Rate4.99%
APR4.99%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 7, 2026: 4.99% APROct 7, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home Equity
7 Year Fixed
5.75%
5.95%
▼
Rate5.75%
APR5.95%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 5.95% APR · checked 6 times
5.45%5.95%6.45%Sep 16, 2026: 5.95% APRSep 16, 2026Oct 12, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
Home Equity
6.112%
6.112%
▼
Rate6.112%
APR6.112%
Points0.000
UpdatedOct 9, 2026
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 6.11% APR · checked 3 times
5.61%6.11%6.61%Oct 9, 2026: 6.11% APROct 9, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home Equity
10 Year Fixed
6.00%
6.149%
▼
Rate6.00%
APR6.149%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.15% APR · checked 6 times
5.65%6.15%6.65%Sep 16, 2026: 6.15% APRSep 16, 2026Oct 12, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
3 year
6.24%
6.24%
▼
Rate6.24%
APR6.24%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 18, 2026: 6.09% APROct 1, 2026: 6.24% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20266.24%▲ from 6.09%
  • Sep 18, 20266.09%first recorded
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 85 to 120 mo
85 to 120 months
5.99%
6.32%
▼
Rate5.99%
APR6.32%
Points0.000
UpdatedOct 8, 2026
Details

LTV 0 - 80

Rate History
No change since Oct 2, 2026 · 6.32% APR · checked 3 times
5.82%6.32%6.82%Oct 2, 2026: 6.32% APROct 2, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home Equity
15 Year Fixed
6.25%
6.355%
▼
Rate6.25%
APR6.355%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.36% APR · checked 6 times
5.86%6.36%6.86%Sep 16, 2026: 6.36% APRSep 16, 2026Oct 12, 2026
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2nd Mortgage (Equity Loan)
180 months
6.49%
6.49%
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedOct 8, 2026
Details

As low as; Max Loan to Value 100% less outstanding first mortgage. Term can be extended to 84 months by adding .25% to the rate. Terms to 120 months add .50% to the rate.

Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 12, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Home Equity Loan (Primary Residence)
60 months
6.49%
6.49%
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedOct 9, 2026
Details

LTV: 80%

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home Equity
20 Year Fixed
6.50%
6.585%
▼
Rate6.50%
APR6.585%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.59% APR · checked 6 times
6.09%6.59%7.09%Sep 16, 2026: 6.59% APRSep 16, 2026Oct 12, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 121 to 180 mo
121 to 180 months
6.49%
6.727%
▼
Rate6.49%
APR6.727%
Points0.000
UpdatedOct 8, 2026
Details

LTV 0 - 80

Rate History
No change since Oct 2, 2026 · 6.73% APR · checked 3 times
6.23%6.73%7.23%Oct 2, 2026: 6.73% APROct 2, 2026Oct 12, 2026
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Home Equity/Second Mortgage
120 Months
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 10 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 12, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 85 to 120 mo
85 to 120 months
6.49%
6.823%
▼
Rate6.49%
APR6.823%
Points0.000
UpdatedOct 8, 2026
Details

LTV 81 - 90

Rate History
No change since Oct 2, 2026 · 6.82% APR · checked 3 times
6.32%6.82%7.32%Oct 2, 2026: 6.82% APROct 2, 2026Oct 12, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
2nd Mortgage 5 Year
5 Year
6.375%
6.866%
▼
Rate6.375%
APR6.866%
Points0.000
UpdatedOct 10, 2026
Details

Rate as low as; APR as low as

Rate History
2 changes since Sep 30, 2026 · 6.86% → 6.87% ▲ 0.00 pts · high 6.99% / low 6.86%
6.36%6.93%7.49%Sep 30, 2026: 6.86% APROct 2, 2026: 6.99% APROct 6, 2026: 6.87% APRSep 30, 2026Oct 12, 2026
  • Oct 6, 20266.87%▼ from 6.99%
  • Oct 2, 20266.99%▲ from 6.86%
  • Sep 30, 20266.86%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
4 year
6.98%
6.98%
▼
Rate6.98%
APR6.98%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 6.68% → 6.98% ▲ 0.30 pts · high 6.98% / low 6.68%
6.18%6.83%7.48%Sep 18, 2026: 6.68% APROct 1, 2026: 6.98% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20266.98%▲ from 6.68%
  • Sep 18, 20266.68%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Home Equity Loan (Primary Residence)
61 - 120 months
6.99%
6.99%
▼
Rate6.99%
APR6.99%
Points0.000
UpdatedOct 9, 2026
Details

LTV: 80%

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 12, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
NFP Home Equity
7 Year Fixed
6.99%
7.076%
▼
Rate6.99%
APR7.076%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 7.08% APR · checked 6 times
6.58%7.08%7.58%Sep 16, 2026: 7.08% APRSep 16, 2026Oct 12, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 121 to 180 mo
121 to 180 months
6.99%
7.23%
▼
Rate6.99%
APR7.23%
Points0.000
UpdatedOct 8, 2026
Details

LTV 81 - 90

Rate History
No change since Oct 2, 2026 · 7.23% APR · checked 3 times
6.73%7.23%7.73%Oct 2, 2026: 7.23% APROct 2, 2026Oct 12, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Home Equity Fixed - 10 Years
10 Years
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedOct 9, 2026
Details

Loan to Value: 90%

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 9 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 12, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
Home Equity Loan
5 year
7.00%
7.25%
▼
Rate7.00%
APR7.25%
Points0.000
UpdatedOct 9, 2026
Details

Value: 100%

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 3 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 12, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 85 to 120 mo
85 to 120 months
6.99%
7.326%
▼
Rate6.99%
APR7.326%
Points0.000
UpdatedOct 8, 2026
Details

LTV 91 - 95

Rate History
No change since Oct 2, 2026 · 7.33% APR · checked 3 times
6.83%7.33%7.83%Oct 2, 2026: 7.33% APROct 2, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Fixed Equity 5 Years
5 Years
7.34%
7.34%
▼
Rate7.34%
APR7.34%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 7.34% APR · checked 5 times
6.84%7.34%7.84%Sep 30, 2026: 7.34% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Fixed-Rate Home Equity Loan
5-year
7.34%
7.34%
▼
Rate7.34%
APR7.34%
Points0.000
UpdatedOct 10, 2026
Details

Rates as low as 7.340% APR and assume a 750 FICO, primary residence, and a 70% maximum HLTV on a 5-year term. Rates are based on loan term, credit history, loan-to-value (LTV)/combined loan-to-value (CLTV)/high credit loan-to-value (HLTV) ratio, loan amount, and occupancy, so your rate may differ. Navy Federal will pay for all closing costs on fixed-rate equity loan applications. For loan amounts up to $250,000, closing costs that members may pay typically range between $300 and $2,000.

Rate History
No change since Sep 30, 2026 · 7.34% APR · checked 5 times
6.84%7.34%7.84%Sep 30, 2026: 7.34% APRSep 30, 2026Oct 12, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Home Equity Loan (Primary Residence)
121 - 180 months
7.49%
7.49%
▼
Rate7.49%
APR7.49%
Points0.000
UpdatedOct 9, 2026
Details

LTV: 80%

Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 6 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 12, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
5 year
7.51%
7.51%
▼
Rate7.51%
APR7.51%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 7.17% → 7.51% ▲ 0.34 pts · high 7.51% / low 7.17%
6.67%7.34%8.01%Sep 18, 2026: 7.17% APROct 1, 2026: 7.51% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20267.51%▲ from 7.17%
  • Sep 18, 20267.17%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
Home Equity Loan
10 year
7.50%
7.64%
▼
Rate7.50%
APR7.64%
Points0.000
UpdatedOct 9, 2026
Details

Value: 100%

Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 4 times
7.14%7.64%8.14%Sep 14, 2026: 7.64% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Fixed Equity 10 Years
10 Years
7.65%
7.65%
▼
Rate7.65%
APR7.65%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 7.65% APR · checked 5 times
7.15%7.65%8.15%Sep 30, 2026: 7.65% APRSep 30, 2026Oct 12, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
6 year
7.68%
7.68%
▼
Rate7.68%
APR7.68%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 7.32% → 7.68% ▲ 0.36 pts · high 7.68% / low 7.32%
6.82%7.50%8.18%Sep 18, 2026: 7.32% APROct 1, 2026: 7.68% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20267.68%▲ from 7.32%
  • Sep 18, 20267.32%first recorded
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2nd Mortgage 121 to 180 mo
121 to 180 months
7.49%
7.734%
▼
Rate7.49%
APR7.734%
Points0.000
UpdatedOct 8, 2026
Details

LTV 91 - 95

Rate History
No change since Oct 2, 2026 · 7.73% APR · checked 3 times
7.23%7.73%8.23%Oct 2, 2026: 7.73% APROct 2, 2026Oct 12, 2026
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Fixed Home Equity Loan
6 years
7.74%
7.74%
▼
Rate7.74%
APR7.74%
Points0.000
UpdatedOct 9, 2026
Details

Term: 6 consecutive billing cycles; Introductory rate for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 1.5% APR margin (8.50% APR as of 09/18/26) with a floor of 4.75% APR. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on owner-occupied properties.

Rate History
No change since Oct 9, 2026 · 7.74% APR
7.24%7.74%8.24%Oct 9, 2026: 7.74% APROct 9, 2026Oct 12, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
2nd Mortgage 10 Year
10 Year
7.50%
7.78%
▼
Rate7.50%
APR7.78%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 7.70% → 7.78% ▲ 0.08 pts · high 7.78% / low 7.70%
7.20%7.74%8.28%Sep 30, 2026: 7.70% APROct 6, 2026: 7.78% APRSep 30, 2026Oct 12, 2026
  • Oct 6, 20267.78%▲ from 7.70%
  • Sep 30, 20267.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
10 year
7.91%
7.91%
▼
Rate7.91%
APR7.91%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 7.53% → 7.91% ▲ 0.38 pts · high 7.91% / low 7.53%
7.03%7.72%8.41%Sep 18, 2026: 7.53% APROct 1, 2026: 7.91% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20267.91%▲ from 7.53%
  • Sep 18, 20267.53%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Fixed Equity 15 Years
15 Years
7.95%
7.95%
▼
Rate7.95%
APR7.95%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 7.95% APR · checked 5 times
7.45%7.95%8.45%Sep 30, 2026: 7.95% APRSep 30, 2026Oct 12, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
2nd Mortgage 15 Year
15 Year
7.75%
7.954%
▼
Rate7.75%
APR7.954%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 7.89% → 7.95% ▲ 0.06 pts · high 7.95% / low 7.89%
7.39%7.92%8.45%Sep 30, 2026: 7.89% APROct 2, 2026: 7.95% APRSep 30, 2026Oct 12, 2026
  • Oct 2, 20267.95%▲ from 7.89%
  • Sep 30, 20267.89%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
Home Equity Loan
15 year
7.875%
7.97%
▼
Rate7.875%
APR7.97%
Points0.000
UpdatedOct 9, 2026
Details

Value: 100%

Rate History
No change since Sep 14, 2026 · 7.97% APR · checked 4 times
7.47%7.97%8.47%Sep 14, 2026: 7.97% APRSep 14, 2026Oct 12, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Home Equity Loan (Primary Residence)
61 - 120 months
7.99%
7.99%
▼
Rate7.99%
APR7.99%
Points0.000
UpdatedOct 9, 2026
Details

LTV: 90%

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 12, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
Home Equity Solar, HVAC, Outbuilding, Generator, Windows, Piers/Foundation Support
6 - 180 months
7.99%
7.99%
▼
Rate7.99%
APR7.99%
Points0.000
UpdatedOct 9, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 12, 2026
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Fixed Home Equity Loan
5-, 10-, or 15-year
7.99%
7.99%
▼
Rate7.99%
APR7.99%
Points0.000
UpdatedOct 9, 2026
Details

NO CLOSING COSTS!; Fixed rate with flexible loan terms; Minimum loan $10,000; Maximum loan $150,000; Receive all funds up front, fixed monthly payment; Financing up to 95% of value minus first mortgage balance

Rate History
No change since Oct 9, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 9, 2026: 7.99% APROct 9, 2026Oct 12, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity
15 year
8.05%
8.05%
▼
Rate8.05%
APR8.05%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 7.69% → 8.05% ▲ 0.36 pts · high 8.05% / low 7.69%
7.19%7.87%8.55%Sep 18, 2026: 7.69% APROct 1, 2026: 8.05% APRSep 18, 2026Oct 12, 2026
  • Oct 1, 20268.05%▲ from 7.69%
  • Sep 18, 20267.69%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Real Estate 2nd Mortgage
180 months
8.24%
8.24%
▼
Rate8.24%
APR8.24%
Points0.000
UpdatedOct 8, 2026
Details

Fixed

Rate History
No change since Sep 17, 2026 · 8.24% APR · checked 7 times
7.74%8.24%8.74%Sep 17, 2026: 8.24% APRSep 17, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Fixed Equity 20 Years
20 Years
8.35%
8.35%
▼
Rate8.35%
APR8.35%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 8.35% APR · checked 5 times
7.85%8.35%8.85%Sep 30, 2026: 8.35% APRSep 30, 2026Oct 12, 2026
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Home Equity Loan
5 years
8.74%
8.74%
▼
Rate8.74%
APR8.74%
Points0.000
UpdatedOct 9, 2026
Details

As low as 8.74% APR; For a home equity second mortgage loan on a primary residence, with a loan amount of $25,000, combined loan to value between 80% and 95% and a 5-year fixed rate of 8.74%, the APR is 8.74% and the monthly payment for principal and interest would be $516. Must have or open share account with a minimum $25 balance.

Rate History
2 changes since Sep 18, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24%
7.74%8.49%9.24%Sep 18, 2026: 8.24% APRSep 22, 2026: 8.49% APRSep 26, 2026: 8.74% APRSep 18, 2026Oct 12, 2026
  • Sep 26, 20268.74%▲ from 8.49%
  • Sep 22, 20268.49%▲ from 8.24%
  • Sep 18, 20268.24%first recorded
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Fixed Home Equity Loan
6 years
8.74%
8.74%
▼
Rate8.74%
APR8.74%
Points0.000
UpdatedOct 9, 2026
Details

Term: 6 consecutive billing cycles; Introductory rate for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 2.5% APR margin (9.50% APR as of 09/18/26) with a floor of 5.75% APR. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on owner-occupied properties.

Rate History
No change since Oct 9, 2026 · 8.74% APR
8.24%8.74%9.24%Oct 9, 2026: 8.74% APROct 9, 2026Oct 12, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Home Equity Fixed - 15 Years
15 Years
8.75%
8.75%
▼
Rate8.75%
APR8.75%
Points0.000
UpdatedOct 9, 2026
Details

Loan to Value: 95%

Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 9 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 12, 2026

Fort Coffee HELOC Rates

Source: Verified HELOC Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
HELOC
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 10, 2026
Details

Fixed

Rate History
No change since Oct 6, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 6, 2026: 6.25% APROct 6, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity Line of Credit (HELOC)
6.74%
6.74%
▼
Rate6.74%
APR6.74%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 15, 2026: 6.74% APRSep 15, 2026Oct 12, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Home Equity HELOC
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 8, 2026
Details

Revolving (Owner Occupied ONLY!)

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 12, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Home Equity Line of Credit
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 9, 2026
Details

adjustable

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 12, 2026
Cherokee Strip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Home Equity HELOC
6.75%
6.75%
▼
Rate6.75%
APR6.75%
Points0.000
UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 12, 2026
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Home Equity Heloc Loan
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 9, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 12, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
HELOC
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 10, 2026
Details

Adjustable

Rate History
No change since Oct 6, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 6, 2026: 7.00% APROct 6, 2026Oct 12, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Home Equity Line of Credit
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 12, 2026
Details

Published APR range: 7.00%-18.00%. Up to 90%

Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 16, 2026: 6.75% APRSep 25, 2026: 7.00% APRSep 16, 2026Oct 12, 2026
  • Sep 25, 20267.00%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Home Equity Texas HELOC
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 12, 2026
Details

Published APR range: 7.00%-18.00%. Up to 80%

Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 16, 2026: 6.75% APRSep 25, 2026: 7.00% APRSep 16, 2026Oct 12, 2026
  • Sep 25, 20267.00%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home Equity Line of Credit (HELOC)
Contingent on loan amount
7.00%
7.00%
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 12, 2026
Details

Term: Contingent on the loan amount. $100,000 maximum.

Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 12, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Home Equity Line of Credit
10 Years
7.12%
7.12%
▼
Rate7.12%
APR7.12%
Points0.000
UpdatedOct 7, 2026
Details

Term: 10 Years Revolving - 15 Years Repayment; As low as

Rate History
1 change since Sep 15, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87%
6.37%7.00%7.62%Sep 15, 2026: 6.87% APRSep 18, 2026: 7.12% APRSep 15, 2026Oct 12, 2026
  • Sep 18, 20267.12%▲ from 6.87%
  • Sep 15, 20266.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Line
7.25%
7.25%
▼
Rate7.25%
APR7.25%
Points0.000
UpdatedOct 10, 2026
Details

Max Loan Amount: $500,000

Rate History
1 change since Sep 30, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 30, 2026: 7.00% APROct 1, 2026: 7.25% APRSep 30, 2026Oct 12, 2026
  • Oct 1, 20267.25%▲ from 7.00%
  • Sep 30, 20267.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Home Equity Line of Credit
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedOct 10, 2026
Details

Rate as low as 7.50% until 12/31/26. After 12/31/26, the rate will be based on WSJ Prime + 2.5% or + 3.5%. Your rate will depend on your credit history. No application fee. Interest only during the draw period. Maximum APR 18%. Minimum loan advance $4,000.

Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 12, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Home Equity Variable rate HELOC
7.59%
7.59%
▼
Rate7.59%
APR7.59%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 0.59%; Loan amount: $100,000; Includes Auto Pay from eligible checking account discount of 0.25%

Rate History
1 change since Sep 30, 2026 · 7.79% → 7.59% ▼ 0.20 pts · high 7.79% / low 7.59%
7.09%7.69%8.29%Sep 30, 2026: 7.79% APROct 10, 2026: 7.59% APRSep 30, 2026Oct 12, 2026
  • Oct 10, 20267.59%▼ from 7.79%
  • Sep 30, 20267.79%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Variable rate HELOC
7.59%
7.59%
▼
Rate7.59%
APR7.59%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 0.59%; Loan assumptions and disclosures

Rate History
1 change since Oct 6, 2026 · 7.79% → 7.59% ▼ 0.20 pts · high 7.79% / low 7.59%
7.09%7.69%8.29%Oct 6, 2026: 7.79% APROct 10, 2026: 7.59% APROct 6, 2026Oct 12, 2026
  • Oct 10, 20267.59%▼ from 7.79%
  • Oct 6, 20267.79%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Home Equity Line of Credit
7.69%
7.69%
▼
Rate7.69%
APR7.69%
Points0.000
UpdatedOct 10, 2026
Details

Variable Rate Information After Introductory; Rate based on The Wall Street Journal Prime Rate plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. Rates shown are for first lien lines of credit of $100,000 secured by an owner occupied 1 to 4 family residence, in Illinois, with a loan-to-value (LTV) of 70% or less, and a FICO credit score of 780+, and includes a 0.25% Auto Pay discount. Rates vary from 7.69% APR to 15.06% APR depending on property state, loan amount and other variables. Your APR will never be lower than the floor rate in the credit agreement, or exceed 18.00% APR or the maximum APR permitted by law, whichever is less.

Rate History
No change since Oct 6, 2026 · 7.69% APR · checked 2 times
7.19%7.69%8.19%Oct 6, 2026: 7.69% APROct 6, 2026Oct 12, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Fixed Rate Home Equity Line of Credit
5 years
7.73%
7.73%
▼
Rate7.73%
APR7.73%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Fixed HELOC amount: $100,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.

Rate History
No change since Oct 6, 2026 · 7.73% APR · checked 2 times
7.23%7.73%8.23%Oct 6, 2026: 7.73% APROct 6, 2026Oct 12, 2026
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Home Equity Line of Credit
6 months
7.74%
7.74%
▼
Rate7.74%
APR7.74%
Points0.000
UpdatedOct 9, 2026
Details

As low as 7.74% APR; For loans with a loan to value below 80%, introductory rate is 7.74% APR for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 1.5% APR margin (8.50% APR as of 09/18/26) with a floor of 4.75% APR. The current Prime rate is 7.00% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 09/18/26 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance.

Rate History
No change since Oct 9, 2026 · 7.74% APR
7.24%7.74%8.24%Oct 9, 2026: 7.74% APROct 9, 2026Oct 12, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Home Equity Line of Credit
60 Months
7.83%
7.83%
▼
Rate7.83%
APR7.83%
Points0.000
UpdatedOct 7, 2026
Details

Additional APR listed for this product: 9.84%.

Rate History
2 changes since Sep 15, 2026 · 7.68% → 7.83% ▲ 0.15 pts · high 7.83% / low 7.68%
7.18%7.76%8.33%Sep 15, 2026: 7.68% APRSep 24, 2026: 7.78% APROct 7, 2026: 7.83% APRSep 15, 2026Oct 12, 2026
  • Oct 7, 20267.83%▲ from 7.78%
  • Sep 24, 20267.78%▲ from 7.68%
  • Sep 15, 20267.68%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Home Equity Line of Credit
120 Months
8.02%
8.02%
▼
Rate8.02%
APR8.02%
Points0.000
UpdatedOct 7, 2026
Details

Additional APR listed for this product: 10.03%.

Rate History
3 changes since Sep 15, 2026 · 7.77% → 8.02% ▲ 0.25 pts · high 8.02% / low 7.77%
7.27%7.90%8.52%Sep 15, 2026: 7.77% APRSep 24, 2026: 7.87% APROct 1, 2026: 7.92% APROct 7, 2026: 8.02% APRSep 15, 2026Oct 12, 2026
  • Oct 7, 20268.02%▲ from 7.92%
  • Oct 1, 20267.92%▲ from 7.87%
  • Sep 24, 20267.87%▲ from 7.77%
  • Sep 15, 20267.77%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Home Equity Line of Credit
180 Months
8.05%
8.05%
▼
Rate8.05%
APR8.05%
Points0.000
UpdatedOct 7, 2026
Details

Additional APR listed for this product: 10.06%.

Rate History
3 changes since Sep 15, 2026 · 7.80% → 8.05% ▲ 0.25 pts · high 8.05% / low 7.80%
7.30%7.93%8.55%Sep 15, 2026: 7.80% APRSep 24, 2026: 7.90% APROct 1, 2026: 7.95% APROct 7, 2026: 8.05% APRSep 15, 2026Oct 12, 2026
  • Oct 7, 20268.05%▲ from 7.95%
  • Oct 1, 20267.95%▲ from 7.90%
  • Sep 24, 20267.90%▲ from 7.80%
  • Sep 15, 20267.80%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Home Equity Line of Credit
240 Months
8.19%
8.19%
▼
Rate8.19%
APR8.19%
Points0.000
UpdatedOct 7, 2026
Details

Additional APR listed for this product: 10.20%.

Rate History
3 changes since Sep 15, 2026 · 7.94% → 8.19% ▲ 0.25 pts · high 8.19% / low 7.94%
7.44%8.07%8.69%Sep 15, 2026: 7.94% APRSep 24, 2026: 8.04% APROct 1, 2026: 8.09% APROct 7, 2026: 8.19% APRSep 15, 2026Oct 12, 2026
  • Oct 7, 20268.19%▲ from 8.09%
  • Oct 1, 20268.09%▲ from 8.04%
  • Sep 24, 20268.04%▲ from 7.94%
  • Sep 15, 20267.94%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Home Equity Variable rate HELOC
8.19%
8.19%
▼
Rate8.19%
APR8.19%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 1.19%; Loan amount: $50,000; Includes Auto Pay from eligible checking account discount of 0.25%

Rate History
1 change since Sep 30, 2026 · 8.39% → 8.19% ▼ 0.20 pts · high 8.39% / low 8.19%
7.69%8.29%8.89%Sep 30, 2026: 8.39% APROct 10, 2026: 8.19% APRSep 30, 2026Oct 12, 2026
  • Oct 10, 20268.19%▼ from 8.39%
  • Sep 30, 20268.39%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Variable rate HELOC
8.19%
8.19%
▼
Rate8.19%
APR8.19%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 1.19%; Loan assumptions and disclosures

Rate History
1 change since Oct 6, 2026 · 8.39% → 8.19% ▼ 0.20 pts · high 8.39% / low 8.19%
7.69%8.29%8.89%Oct 6, 2026: 8.39% APROct 10, 2026: 8.19% APROct 6, 2026Oct 12, 2026
  • Oct 10, 20268.19%▼ from 8.39%
  • Oct 6, 20268.39%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Line - Interest Only
8.25%
8.25%
▼
Rate8.25%
APR8.25%
Points0.000
UpdatedOct 10, 2026
Details

Max Loan Amount: $250,000

Rate History
1 change since Sep 30, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 30, 2026: 8.00% APROct 1, 2026: 8.25% APRSep 30, 2026Oct 12, 2026
  • Oct 1, 20268.25%▲ from 8.00%
  • Sep 30, 20268.00%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Fixed Rate Home Equity Line of Credit
5 years
8.43%
8.43%
▼
Rate8.43%
APR8.43%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Fixed HELOC amount: $50,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.

Rate History
No change since Oct 6, 2026 · 8.43% APR · checked 2 times
7.93%8.43%8.93%Oct 6, 2026: 8.43% APROct 6, 2026Oct 12, 2026
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Home Equity Line of Credit
6 months
8.74%
8.74%
▼
Rate8.74%
APR8.74%
Points0.000
UpdatedOct 9, 2026
Details

As low as 8.74% APR; For loans with a loan to value 80% to 95%, introductory rate is 8.74% APR for the first six consecutive billing cycles but can adjust based on Prime. The rate for the rest of the term of the loan will be based on Prime plus 2.5% APR margin (9.50% APR as of 09/18/26) with a floor of 5.75% APR. The current Prime rate is 7.00% APR as published in the Wall Street Journal. Home Equity rates and terms accurate as of 09/18/26 and are subject to change without notice. Minimum loan amount is $10,000. Maximum loan amount is $150,000. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value (LTV) restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit currently 18% APR. Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Must have or open share account with a minimum $25 balance.

Rate History
No change since Oct 9, 2026 · 8.74% APR
8.24%8.74%9.24%Oct 9, 2026: 8.74% APROct 9, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Home Equity Line - Investment
9.25%
9.25%
▼
Rate9.25%
APR9.25%
Points0.000
UpdatedOct 10, 2026
Details

Max Loan Amount: $100,000

Rate History
1 change since Sep 30, 2026 · 9.00% → 9.25% ▲ 0.25 pts · high 9.25% / low 9.00%
8.50%9.13%9.75%Sep 30, 2026: 9.00% APROct 1, 2026: 9.25% APRSep 30, 2026Oct 12, 2026
  • Oct 1, 20269.25%▲ from 9.00%
  • Sep 30, 20269.00%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Home Equity Variable rate HELOC
9.33%
9.33%
▼
Rate9.33%
APR9.33%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 2.33%; Loan amount: $25,000; Includes Auto Pay from eligible checking account discount of 0.25%

Rate History
1 change since Sep 30, 2026 · 9.53% → 9.33% ▼ 0.20 pts · high 9.53% / low 9.33%
8.83%9.43%10.03%Sep 30, 2026: 9.53% APROct 10, 2026: 9.33% APRSep 30, 2026Oct 12, 2026
  • Oct 10, 20269.33%▼ from 9.53%
  • Sep 30, 20269.53%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Variable rate HELOC
9.33%
9.33%
▼
Rate9.33%
APR9.33%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Prime + 2.33%; Loan assumptions and disclosures

Rate History
1 change since Oct 6, 2026 · 9.53% → 9.33% ▼ 0.20 pts · high 9.53% / low 9.33%
8.83%9.43%10.03%Oct 6, 2026: 9.53% APROct 10, 2026: 9.33% APROct 6, 2026Oct 12, 2026
  • Oct 10, 20269.33%▼ from 9.53%
  • Oct 6, 20269.53%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Fixed Rate Home Equity Line of Credit
5 years
9.57%
9.57%
▼
Rate9.57%
APR9.57%
Points0.000
UpdatedOct 10, 2026
Details

As low as; Fixed HELOC amount: $25,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.

Rate History
No change since Oct 6, 2026 · 9.57% APR · checked 2 times
9.07%9.57%10.07%Oct 6, 2026: 9.57% APROct 6, 2026Oct 12, 2026
The home equity loan and HELOC rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, the amount of equity in your home, your combined loan-to-value ratio (CLTV), and the lender's current underwriting standards.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Fort Coffee, Oklahoma Home Equity Snapshot

Local housing and income figures that shape how much equity Fort Coffee, OK homeowners can borrow against. Source: U.S. Census Bureau & FHFA.

Median Home Value
$83,700
Census ACS, owner-occupied
Est. Equity Held
$29,295
Typical owner at ~35% paid down
Est. Borrowable
$16,740
At 85% combined loan-to-value
Median Household Income
$35,000
Census ACS
Median Property Tax
$390/yr
Census ACS
Homeownership Rate
63.0%
Census CPS/HVS (metro area)
Price-to-Income Ratio
2.4x
Home value vs. household income
2026 Conforming Limit
$832,750
FHFA one-unit, this county

Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.

How Much Can You Borrow in Fort Coffee, Oklahoma?

Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV), the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80 to 85%. Using the local median home value of $83,700, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:

Mortgage Stage Still Owed Equity Held Est. You Could Borrow
Earlier in repayment $58,590 $25,110 $12,555
Roughly halfway through $46,035 $37,665 $25,110
Well into repayment $33,480 $50,220 $37,665

The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income , the local median household income is $35,000, before issuing a final offer.

Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.

Fort Coffee, OK Home Equity Rate Trends

Compare local Fort Coffee, OK home equity quotes against the statewide average

Daily HELOC and home equity loan averages tracked across our database of verified rate quotes, updated every evening.

HELOC, OK Avg
7.159%
▼ 0.013 vs 7 days ago

Oklahoma HELOC rates fell 0.013 points over the past 7 days to 7.159%.

Home Equity Loan, OK Avg
7.230%
▲ 0.012 vs 7 days ago

Oklahoma home equity loan rates rose 0.012 points over the past 7 days to 7.230%.

As of Oct 12, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Oklahoma Home Equity Rate Forecast, Next 12 Months

Where are Oklahoma HELOC and home equity loan rates headed through October 2027?

HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.

Current OK HELOC Avg
7.159%
Variable (prime + margin)
12-Mo HELOC Forecast
6.909%
Range: 6.66%, 7.11%
Current OK HE Loan Avg
7.230%
Fixed rate
12-Mo HE Loan Forecast
6.830%
Range: 6.48%, 7.13%

What Forecast Rates Mean for Fort Coffee, OK Borrowers

Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.

Scenario HELOC Rate HELOC Mo. Interest HE Loan Rate HE Loan Mo. P&I
Today (OK avg) 7.159% $298 7.230% $456
6-Month Forecast 7.159% $298 7.230% $456
12-Month Forecast 6.909% (6.66, 7.11%) $288 (-$10) 6.830% (6.48, 7.13%) $445 (-$11)

Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.

Projections based on Fed funds futures, prime-rate tracking, and historical home equity spread models. Not a guarantee of future rates.

How Home Equity Lending Works in Fort Coffee, Oklahoma

Fort Coffee, Oklahoma Equity Math

According to the U.S. Census Bureau, the median owner-occupied home value in Fort Coffee, Oklahoma is approximately $83,700. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $33,480 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $20,925 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.

Home Equity Loan vs HELOC, Quick Comparison

Feature Home Equity Loan HELOC
Rate Type Fixed for life of loan Variable (prime + margin)
Payout Lump sum at closing Draw as needed, up to limit
Term 5-30 years 10-yr draw + 20-yr repay (typical)
Payment Fixed P&I from month one Interest-only during draw (usually)
Closing Costs Typically 2-5% of loan Often $0 (promos common)
Best For Specific large expense, payment certainty Ongoing access, flexible borrowing

Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC, Key Differences, Pros and Cons

Home Equity Rules for Fort Coffee, Oklahoma Borrowers

Fort Coffee, Oklahoma homeowners borrow under Oklahoma law. Oklahoma does not add its own loan to value cap, fee cap, or waiting period for home equity loans and HELOCs, so federal rules set the baseline and lenders set their own limits. At the Fort Coffee, Oklahoma median home value of $83,700, a lender's typical 80 percent combined loan to value limit works out to about $67,000 of total mortgage and home equity debt against the home. The Oklahoma Uniform Consumer Credit Code lets consumer loans be prepaid without penalty, but most first lien purchase money mortgages are exempt, so no notable state cap applies to standard first mortgages.

Read the full Oklahoma home equity rules, including foreclosure, deficiency, closing cost taxes, and who handles the closing.

Federal rules that apply to every home equity loan and HELOC

Home equity loans and HELOCs secured by your main home carry federal protections on top of anything your state adds. For a HELOC, the lender must give you the HELOC disclosure and the CFPB home equity brochure when you apply and cannot charge a nonrefundable fee until three business days later; the rate must follow a public index the lender does not control, and the lender can freeze or cut the line only for specific reasons such as a significant drop in the home's value or a material change in your finances. For both home equity loans and HELOCs you have until midnight of the third business day after closing to cancel for any reason and get your fees back. A loan is a high cost mortgage under HOEPA if its APR is more than 6.5 percentage points above the average prime offer rate for a first lien (8.5 points for a second lien) or if points and fees exceed 5 percent; high cost loans require counseling and cannot carry balloon payments or prepayment penalties. Since 2018, interest on a home equity loan or HELOC is deductible only if the money is used to buy, build, or substantially improve the home that secures it, and only within the $750,000 total acquisition debt cap. Flood insurance is required on any home equity loan or HELOC from a federally regulated lender if the home sits in a FEMA flood hazard area.

This summary of Oklahoma and federal lending rules was compiled by MonitorBankRates from state statutes, state regulator and revenue department publications, and Consumer Financial Protection Bureau materials. Last reviewed September 15, 2026. It is general information, not legal advice. Laws change and local practice varies, so confirm details with your lender, a title company, or an attorney licensed in Oklahoma.
Sources

Fort Coffee, Oklahoma Home Equity Loan Calculator

Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.

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Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fort Coffee, Oklahoma home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Fort Coffee, Oklahoma directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Fort Coffee, Oklahoma. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Oklahoma borrowers.

Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders, regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.

Home Equity Basics for Fort Coffee, Oklahoma Homeowners

Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Fort Coffee, Oklahoma homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.

Home Equity Loan vs. HELOC in Fort Coffee, Oklahoma

A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Farmers Insurance Federal Credit Union is listing its Home Equity Loan at 4.99%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, OKLAHOMAS is listing its HELOC at 6.25%. For Fort Coffee, Oklahoma borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.

How Much Fort Coffee, Oklahoma Homeowners Can Borrow

Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Fort Coffee, Oklahoma homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.

How Fort Coffee, Oklahoma Home Equity Rates Are Set

HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Fort Coffee, Oklahoma borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.

Risks for Fort Coffee, Oklahoma Borrowers to Weigh

Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Fort Coffee, Oklahoma borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.

Frequently Asked Questions about Home Equity & HELOC Rates in Fort Coffee, Oklahoma

What is the difference between a home equity loan and a HELOC in Oklahoma?

A home equity loan is a closed-end second mortgage with a fixed interest rate, fixed monthly payment, and fixed repayment term (typically 5-30 years). You receive the full loan amount as a lump sum at closing. A HELOC (home equity line of credit) is revolving credit with a variable rate tied to the prime rate. During the draw period (usually 10 years), you can borrow up to your credit limit as needed, and you typically pay interest only on the amount drawn. The HELOC then enters a repayment period (often 20 years) where you pay back principal and interest. In Oklahoma, both products are widely available from local banks and credit unions.

How much equity do I need to qualify for a HELOC or home equity loan?

Most lenders in Oklahoma require you to maintain at least 15-20% equity in your home after the new HE loan or HELOC. This means the combined loan-to-value ratio (CLTV) of your first mortgage plus the new home equity product cannot exceed 80-85% of your home's appraised value. Some lenders offer up to 90% CLTV for borrowers with strong credit, though rates and terms tighten at higher LTVs.

What credit score do I need for a home equity loan in Oklahoma?

Most Oklahoma lenders require a minimum credit score of 620-640 for a home equity loan or HELOC, with the best rates reserved for borrowers with scores of 740 or higher. Credit score is one of several factors lenders consider, alongside your debt-to-income ratio, employment history, and the amount of equity in your home.

Are HELOC interest payments tax-deductible?

Under current IRS rules, interest on a HELOC or home equity loan is tax-deductible only if the proceeds are used to buy, build, or substantially improve the home that secures the loan. Interest on funds used for other purposes (debt consolidation, college tuition, vehicles, etc.) is not deductible. Total mortgage interest deductions are also capped at $750,000 of combined mortgage debt (or $1 million for loans taken before December 15, 2017). Consult a tax professional for advice on your specific situation.

What is the current prime rate and how does it affect my HELOC?

The prime rate is the benchmark short-term rate that most U.S. banks use as the basis for HELOC pricing. Your HELOC rate is typically expressed as prime + margin, where the margin is a fixed number of percentage points determined at origination based on your credit profile. When the Federal Reserve raises or lowers its federal funds target rate, banks generally adjust the prime rate within days, and your HELOC rate moves with it on the next billing cycle. This is why HELOCs are considered variable-rate products and why borrowers in Oklahoma benefit from comparing current margins across multiple lenders rather than focusing only on the introductory rate.

What is a HELOC draw period?

The draw period is the initial phase of a HELOC during which you can borrow against your credit line as needed. It typically lasts 10 years. During the draw period, most lenders only require interest payments on the amount you've actually drawn, though some allow or require principal payments as well. After the draw period ends, the HELOC enters the repayment period (often 20 years), during which you can no longer draw new funds and must repay principal and interest on the outstanding balance.

Can I use a home equity loan or HELOC for debt consolidation?

Yes -- and this is one of the most common uses. Because home equity products are secured by your home, they typically carry significantly lower interest rates than credit cards or personal loans. Borrowers in Oklahoma often use HELOC or home equity loan proceeds to pay off higher-interest credit card debt. The trade-off is that you're converting unsecured debt into debt secured by your home, so default risk shifts: missing payments could put your home at risk. Run the numbers and make sure the monthly savings are worth that trade-off.

Are there closing costs on a home equity loan or HELOC?

Most home equity loans charge closing costs ranging from 2-5% of the loan amount, similar to a primary mortgage but on a smaller principal. HELOCs frequently have lower or even no closing costs, though some lenders charge an annual fee, an inactivity fee, or early-termination fees. Many lenders in Oklahoma run promotional offers waiving closing costs on HELOCs in exchange for maintaining the line open for a minimum period (typically 3 years).

Should I get a HELOC or a home equity loan?

Choose a home equity loan if you need a specific lump sum (e.g. major renovation, vehicle purchase) and want fixed payments. The fixed rate protects you against future rate increases. Choose a HELOC if you want flexibility -- access to funds as needed over a 10-year draw period, with interest charged only on what you actually borrow. HELOCs are good for ongoing projects, emergency reserves, or any situation where the total amount needed is uncertain. The trade-off is HELOC rates are variable and may rise.

Can I refinance my HELOC into a fixed-rate home equity loan in Oklahoma?

Yes. Many borrowers in Oklahoma refinance HELOC balances into fixed-rate home equity loans when rates are rising, locking in a predictable payment and protecting against further rate increases. Some lenders also offer a fixed-rate conversion option built into the HELOC itself -- allowing you to convert all or part of your outstanding balance into a fixed-rate sub-account without a full refinance.

How do I compare home equity and HELOC lenders in Fort Coffee, Oklahoma?

Use the home equity loan and HELOC tables on this page to shortlist three or four home equity lenders serving Oklahoma. For HELOC lenders, compare the margin over the prime rate, any introductory rate and how long it lasts, annual fees and the length of the draw period. For home equity loans, compare the fixed rate, APR and closing costs.

How do I get home equity loan and HELOC quotes in Fort Coffee, Oklahoma?

Contact two to four lenders and ask for home equity loan or HELOC quotes on the same loan amount and term, along with the combined loan-to-value limit each lender allows. Requesting your HELOC quotes and home equity loan quotes within a few days of each other keeps rate changes from skewing the comparison, since HELOC rates move with the prime rate.

How much equity could a homeowner in Fort Coffee, Oklahoma have?

According to U.S. Census Bureau data, the median owner-occupied home in Fort Coffee, Oklahoma is valued at approximately $83,700. A homeowner who has paid the original mortgage down to about 65% of that value would hold roughly $29,295 in equity. At a typical 85% combined loan-to-value limit, that translates to an estimated $16,740 available to borrow through a home equity loan or HELOC, depending on credit profile and lender underwriting. Source: U.S. Census Bureau.

What is a typical home equity loan amount in Fort Coffee, Oklahoma?

There is no single standard amount, it depends on how much equity you hold and your lender's limits. As a rough illustration, borrowing 15% of the Fort Coffee, Oklahoma median home value of $83,700 would be about $12,555. Many borrowers take less than the maximum they qualify for, since the loan is secured by their home. Use the rate tables above to compare current offers from lenders serving Oklahoma.

Can households in Fort Coffee, Oklahoma afford a home equity loan payment?

Affordability depends on your existing debts, but local income gives useful context. The local median household income is approximately $35,000, against a median home value of $83,700, a price-to-income ratio of about 2.4x. Lenders generally want your total monthly debt payments, including a new home equity loan or HELOC, to stay within 43-50% of gross monthly income. Source: U.S. Census Bureau.

How do property taxes in Fort Coffee, Oklahoma affect home equity borrowing?

Property taxes do not directly limit how much you can borrow, but they are part of the total housing cost lenders weigh in your debt-to-income calculation. Local owners pay a median of roughly $390 per year in property taxes. Higher carrying costs leave less room in a monthly budget for a new home equity loan or HELOC payment, so factoring them in early gives you a realistic borrowing target. Source: U.S. Census Bureau.

What percentage of homeowners in Fort Coffee, Oklahoma have a mortgage they could tap for equity?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS), the homeownership rate in the Fort Coffee, OK metro area is approximately 63%, compared with the national rate of 65.7%. A significant share of those owners carry a mortgage and build equity with every payment, making them potential candidates for a home equity loan or HELOC. Source: census.gov/housing/hvs.

Does Oklahoma have special rules for home equity loans and HELOCs?

Oklahoma does not add its own loan to value cap, fee cap, or waiting period for home equity loans and HELOCs. Federal rules set the baseline: a three business day right to cancel after closing, HELOC disclosure and index requirements, and HOEPA limits on high cost loans. Individual lenders set their own limits, most commonly 80 to 90 percent combined loan to value. A spouse must join in any mortgage of the homestead and the Oklahoma Uniform Consumer Credit Code governs nonbank second mortgage lenders. Rules summarized from state statutes and CFPB materials, last reviewed September 15, 2026; this is general information, not legal advice.

Can I cancel a home equity loan or HELOC after closing in Oklahoma?

Yes. Under the federal Truth in Lending Act, a home equity loan or HELOC secured by your primary residence can be cancelled for any reason until midnight of the third business day after closing, and the lender must refund any fees you paid. The right does not apply to loans used to buy the home. Rules summarized from state statutes and CFPB materials, last reviewed September 15, 2026; this is general information, not legal advice.

Can a Oklahoma lender charge a prepayment penalty on a home equity loan?

The Oklahoma Uniform Consumer Credit Code lets consumer loans be prepaid without penalty, but most first lien purchase money mortgages are exempt, so no notable state cap applies to standard first mortgages. Under federal rules a prepayment penalty is never allowed on a HOEPA high cost loan, and on other loans it is limited to the first three years. Rules summarized from state statutes and CFPB materials, last reviewed September 15, 2026; this is general information, not legal advice.

What are the best home equity rates in Fort Coffee, Oklahoma?

  • Farmers Insurance Federal Credit Union: 4.99% (Home Equity Loan)
  • USE Federal Credit Union: 5.75% (Home Equity)
  • True Sky Federal Credit Union: 6.112% (Home Equity)
  • Advancial Federal Credit Union: 6.24% (Home Equity)
  • OKLAHOMAS: 6.25% (HELOC)
Rates reflect actual verified offers from lenders actively serving Oklahoma borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026

Fort Coffee, Oklahoma Rates & Resources