--- title: "Best Credit Union Mortgage Rates in Bartlesville" description: "Bartlesville credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Muskogee. 5 Oklahoma lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/oklahoma/bartlesville" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Bartlesville Bartlesville credit union mortgage rates, November 2026: 30-year fixed from 6.535% APR at Muskogee. 5 Oklahoma lenders compared from real rate sheets — no paid ranking. Updated November 2026 Oklahoma Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Bartlesville credit unions range from **6.535%** to **7.831% APR** (median 7.313%) across 5 Oklahoma lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) / Bartlesville 6.535% Lowest 30yr APR Muskogee 7.313% Median APR 7.831% Highest APR 5 Oklahoma Lenders Bartlesville mortgage rates range from 6.535% to 7.831% APR for 30-year fixed loans. Data from 34 credit unions in Oklahoma, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/oklahoma/bartlesville) ## Top Credit Unions for Bartlesville Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Communication Credit Union 30-Year Fixed | 7.25% | 7.395% | $2,768/mo | [Visit Site](https://www.comfedcu.org/) | Truity Credit Union Conventional 30 Year Fixed Rate 34 | 7.375% | 7.65% | $2,838/mo | [Visit Site](https://www.truitycu.org/) | ## 30-Year vs 15-Year Fixed in Bartlesville Credit unions serving Bartlesville publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Oklahoma lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 6.535% | Muskogee | 7.313% | 5 | Rates as of November 12, 2026, from published Oklahoma credit union rate sheets. ## How to Get the Best Mortgage Rate in Bartlesville Credit unions serving Bartlesville often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Bartlesville. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Bartlesville have flexible membership requirements. Some are open to anyone who lives, works, or worships in Oklahoma. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Bartlesville home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Bartlesville home long-term. ## Credit Unions Based in Bartlesville 2 credit unions are headquartered in Bartlesville. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Ok Credit Union rates](https://rateapi.dev/credit-unions/oklahoma/ok) [Truity Credit Union rates](https://rateapi.dev/credit-unions/oklahoma/truity) ### Mortgage Rates in Oklahoma [All Oklahoma Rates](https://rateapi.dev/mortgage-rates/oklahoma) [Oklahoma City](https://rateapi.dev/mortgage-rates/oklahoma/oklahoma-city) [Tulsa](https://rateapi.dev/mortgage-rates/oklahoma/tulsa) [Lawton](https://rateapi.dev/mortgage-rates/oklahoma/lawton) [Norman](https://rateapi.dev/mortgage-rates/oklahoma/norman) [Broken Arrow](https://rateapi.dev/mortgage-rates/oklahoma/broken-arrow) ### Other Loan Products [Oklahoma Credit Unions](https://rateapi.dev/credit-unions/oklahoma) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Bartlesville As of November 2026, 30-year fixed mortgage rates in the Bartlesville metro area range from 6.535% to 7.831% APR across credit unions serving Oklahoma. The median rate is 7.313% APR. What are the current mortgage rates in Bartlesville? To get the best mortgage rate in Bartlesville: 1) Compare rates from multiple credit unions serving the Bartlesville metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Bartlesville? Yes, credit unions serving Bartlesville, Oklahoma typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Bartlesville? For the best mortgage rates in Bartlesville, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Oklahoma have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Bartlesville? How much house you can afford in Bartlesville depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Bartlesville rates to calculate your maximum affordable home price. How much house can I afford in Bartlesville? ### Mortgage Rates in Other Oklahoma Cities [Oklahoma City](https://rateapi.dev/mortgage-rates/oklahoma/oklahoma-city) [Tulsa](https://rateapi.dev/mortgage-rates/oklahoma/tulsa) [Lawton](https://rateapi.dev/mortgage-rates/oklahoma/lawton) [Norman](https://rateapi.dev/mortgage-rates/oklahoma/norman) [Broken Arrow](https://rateapi.dev/mortgage-rates/oklahoma/broken-arrow) [Edmond](https://rateapi.dev/mortgage-rates/oklahoma/edmond) ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) ## Build With RateAPI Access real-time mortgage rate data from credit unions across Oklahoma via our REST API. 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