--- title: "Growing Oaks Credit Union Rates (Nov 2026): Mortgage 7.27%" description: "Growing Oaks Credit Union rates today: 30 year fixed mortgage 7.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Growing Oaks Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oklahoma/growing-oaks" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Growing Oaks Credit Union Rates (Nov 2026): Mortgage 7.27% ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.273% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.386% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.392% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.393% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.018% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.259% APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.015% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.379% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.383% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.625% APR | 7.625% | — | Standard | Growing Oaks Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Growing Oaks Credit Union offers a 30-year fixed mortgage at 7.273% APR (0.228 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oklahoma/growing-oaks) , verified from [Growing Oaks Credit Union's official website](https://www.growingoaksfcu.com/) Best product position **Better than the Oklahoma median** 30-year fixed mortgage Gap to state best **74 bp** 74 bp from state best Vs. state median **4 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Oklahoma markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.27% | Better than the Oklahoma median | 74 bp from state best | 4 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Growing Oaks Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=growing-oaks&state=oklahoma&code=OK&name=Growing%20Oaks%20Credit%20Union) Loading branch locator… ## About Growing Oaks Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 493 Assets $3.9M Founded 2020 Locations reported 2 NCUA charter 24919 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Ou** Lindsey · Norman · OK · 73069 About 6.9 miles away](https://rateapi.dev/credit-unions/oklahoma/ou) [**Tinker** Norman West Branch · Norman · OK · 73072 About 7.8 miles away](https://rateapi.dev/credit-unions/oklahoma/tinker) [**Oklahoma Educators** NORMAN LINDSEY BRANCH · NORMAN · OK · 73071 About 8.2 miles away](https://rateapi.dev/credit-unions/oklahoma/oklahoma-educators) [**Communication** Norman · Norman · OK · 73071-4924 About 8.8 miles away](https://rateapi.dev/credit-unions/oklahoma/communication) [**True SKY** Norman Tecumseh Branch · Norman · OK · 73072-1843 About 10.7 miles away](https://rateapi.dev/credit-unions/oklahoma/true-sky) [**The Focus** Tri City Branch · Newcastle · OK · 73065 About 14.0 miles away](https://rateapi.dev/credit-unions/oklahoma/the-focus) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Growing Oaks Credit Union Membership eligibility from Growing Oaks Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Growing Oaks Credit Union's website. Check the membership page below to confirm whether you qualify. - Location mcclain, canadian, cleveland, oklahoma — OK - Employer Growing Oaks Federal Credit Union Verified from [Growing Oaks Credit Union's membership page](https://growingoaksfcu.com/field-of-membership/) . Final membership determination is always made by the credit union. ## Membership rules for Growing Oaks Credit Union Geography 4 counties · Employers · Family 3 28 published paths to membership, last verified August 27, 2026, quoted from Growing Oaks Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Canadian County, OK - Cleveland County, OK - Mcclain County, OK - Oklahoma County, OK “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Mcclain County, OK” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Federal “employees of this credit union” > [source ↗](https://growingoaksfcu.com/field-of-membership/) - Employee of Federal ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, immediate family, household member “Spouses or persons who died while within the field of membership of this Credit Union, employees of this Credit Union, volunteers in the community, members of the immediate family or household, and organizations of such persons.” > [source ↗](https://growingoaksfcu.com/membership/) - Family member (spouse, immediate family, household member) of a member - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://growingoaksfcu.com/field-of-membership/) - Family member (surviving spouse) of a deceased eligible person - Family of a member immediate family, household member “members of the immediate family or household” > [source ↗](https://growingoaksfcu.com/field-of-membership/) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Growing Oaks Credit Union? Yes No ## Work at Growing Oaks Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Growing Oaks Credit Union ranks against Oklahoma peers. - See which AI assistants fetched Growing Oaks Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oklahoma - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=growing-oaks&state=oklahoma&code=OK&name=Growing%20Oaks%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Growing Oaks Credit Union offer? Growing Oaks Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Growing Oaks Credit Union rates updated? RateAPI verifies Growing Oaks Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Growing Oaks Credit Union's rate data? Rate data is collected directly from Growing Oaks Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Growing Oaks Credit Union's mortgage rate? As of November 12, 2026, Growing Oaks Credit Union offers a 30-year fixed mortgage at 7.273% APR. ### Who can join Growing Oaks Credit Union? Growing Oaks Credit Union publishes its membership criteria on its own website. RateAPI tracks 28 published membership paths covering 4 counties and 1 employer for Growing Oaks Credit Union, each quoted from Growing Oaks Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Growing Oaks Credit Union's rates against national credit-union benchmarks. [More Oklahoma credit unions](https://rateapi.dev/credit-unions/oklahoma) [Oklahoma mortgage rate leaders](https://rateapi.dev/mortgage-rates/oklahoma) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.growingoaksfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Growing Oaks Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oklahoma credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Growing Oaks Credit Union curl "https://api.rateapi.dev/credit-unions/oklahoma /growing-oaks " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Growing Oaks Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oklahoma/growing-oaks Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp