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      WEOKIE: your one-stop-shop for everything homes!

      From finding the home of your dreams to financing it, closing the loan, and even insuring it... we want to make every step in your home-buying experience as easy and as affordable as possible.

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              At WEOKIE, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

                Adjustable-Rate Mortgages


                A WEOKIE Adjustable Rate Mortgage offers lower initial rates and monthly payments, so you can save in the short term – ideal if you plan to sell, move, or refinance.

                Apply Now

                See How an Adjustable-Rate Mortgage Can Work for You

                Low Initial Rates and Payments

                Enjoy a lower APR for the first five years of your loan compared to a regular fixed-rate mortgage.

                Achieve Your Short-Term Goals

                Use your fixed period to build equity or boost income – or maybe you'll sell, move, or refinance.

                Rates May Adjust Up or Down

                After your initial period, there are caps on how much your rate can go up – and rates may go down.

                More Borrowing Power

                When your rates and payments are lower, you can afford to borrow more for your dream home.

                Details About Adjustable-Rate Mortgages in Oklahoma

                WEOKIE's 30-Year 5/5 Adjustable-Rate Mortgage (ARM) is our most popular loan right now because it offers a far lower starting rate than a regular 30-Year Fixed-Rate Loan.

                • Our 5/5 ARM has an initial rate as low as 7.375%* for the first five years of the loan.
                • A 5/5 ARM has a fixed rate for five years, then adjusts every five years.
                • Lower rates mean you can buy a home sooner and build equity faster.
                • Lower monthly payments mean more borrowing power.
                • When rates adjust, they may go up or down with the markets.
                • You may also choose rate adjustments every 5, 10, or 15 years.
                • Our origination fee is only $750.
                • Up to 100% home purchase and 95% cash-out financing are available to our best-qualified borrowers.

                Plus, you can enjoy local servicing and expert guidance when you choose WEOKIE as your lender!

                Apply Now

                A couple celebrates moving into a home bought with an ARM.

                Rates for an Adjustable-Rate Mortgage, OK

                Loan Type Term APR*
                Adjustable-Rate Mortgage (ARM) Loans 10 Year 5/5 ARM Loan 7.375%
                15 Year 5/5 ARM Loan 7.253%
                20 Year 5/5 ARM Loan 7.198%
                30 Year 5/5 ARM Loan 7.148%
                20 Year 10/10 ARM Loan 6.94%
                30 Year 15/15 ARM Loan 7.014%
                Jumbo 5/5 ARM 30 Year Loan 7.63%
                Jumbo 10/10 ARM 20 Year Loan 7.328%
                Jumbo 15/15 ARM 30 Year Loan 7.682%
                No MI 5/5 ARM 30 Year Loan 7.253%
                No MI 10/10 ARM 20 Year Loan 7.149%
                No MI 15/15 ARM 30 Year Loan 7.234%

                See the Simple Steps to Apply for an Adjustable-Rate Mortgage



                Apply Online

                Gather your information and documents then use our simple, secure portal to get started.



                Get Pre-Qualified

                We'll look at your financial situation and offer you a rate for your chosen ARM term.


                Get Started



                Find a Home!

                Go house hunting with your financing ready then we'll help you close and start payments!

                "Weokie FCU is by far one of the best credit unions. I have been with them for a little over a year and plan to be with them for many more years to come. They have so much to offer as far as great loan rates, mortgages, different accounts with some awesome benefits and so much more. I give WEOKIE a 10/10 and would recommend to anyone being a member here! The team is also very friendly and is like a family to me!!"
                Kimberly K., Oklahoma City, OK

                WEOKIE ARMs offer the best of both worlds.

                The affordable, low rate of an adjustable-rate loan, and the peace of mind that comes with a fixed-rate conventional loan.

                This is a great option for homeowners expecting to be in their homes for less than 10 years. Even with today’s low mortgage rates on 30 and 15-year fixed-rate loans, the initial interest rate on a 5/5 ARM is even lower.

                The example below illustrates your monthly savings with a 5/5 Adjustable Rate Mortgage vs a 30-year fixed mortgage. 


                ARM vs. fixed: Example mortgage payments1

                5/5 ARM LOAN

                30 Year Term


                Monthly Payment (not including taxes and other fees)2

                Fixed-Rate Loan 

                30 Year Term


                Monthly Payment (not including taxes and other fees)3

                Interest Rate: 5.000% 6.875% 2
                • Up to 100% home purchase and 95% cash-out financing available to our best-qualified borrowers.
                • 2% Adjustment and Life of Loan interest rate caps.
                • Low initial interest rates.
                • Level principal and interest payments for the full term of the loan.
                • No risk that changing market conditions will increase your monthly payments.

                Best Choice If:

                • You are going to live in your home 10 years or less.
                • You want a lower payment.
                • You plan on staying in your home long-term and need low fixed monthly payments. 
                • This is an Adjustable Rate Mortgage.
                • Special guidelines may apply to refinancing existing loans during promotion periods. 
                •  Benefits of the fixed rate are not realized until after the 10th year. (5/5 ARM is a better option if the loan is paid off within 10 years.)

                1- Monthly payment based on  $200,000 loan amount. APR = Annual Percentage Rate. Normal lending policies apply. Some restrictions apply. The offer is subject to credit review. Adequate collateral and acceptable term must be provided for all loans.   Your annual percentage rate is based on your credit history. Rate, terms, and conditions are subject to change without notice. All examples, rates, etc. are hypothetical and only for illustrative purposes. Loan payment amounts are shown for example payment only; it does not constitute an offer. Rates and terms vary due to additional restrictions, including but not limited to qualification requirements, actual loan amount, property type and condition, credit review, etc. Final rates and terms will be discussed with your loan officer. Current WEOKIE loans are not eligible for refinancing. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. FEDERALLY INSURED BY NCUA. NMLS# 442689  2- Payment, rate, and APR  calculated at the lowest rates available to well-qualified buyers for 5/5 ARM LOAN 30 Year Term at 5.000% (APR 5.994%) as of December 16, 2022. 3- Payment, rate, and APR calculated at the lowest rates available to well-qualified buyers for 30 Year Fixed-Term at 6.875% (APR 7.125%) as of December 16, 2022.


                FAQ About Adjustable-Rate Mortgages in Oklahoma

                We are here to help.

                If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

                Let WEOKIE help you find a great mortgage rate!

                One of the hardest parts of buying a property is choosing the right lender. When you approach WEOKIE for a home loan, our experts are with you every step of the way so you can pick the perfect mortgage that fits your budget. We offer a variety of programs to help you find the right property, finance and close a loan, and insure your new home so you don’t have to worry. 

                At WEOKIE, we’re dedicated to providing the best Oklahoma home loan experience possible. That’s why we consistently offer lower rates and fees than competitors, award-winning service, and expert support when you need it. As a local lender, WE are here for you, so you can rest easy knowing that you can call when you need and receive quick, personalized, and local Oklahoma-standard service.

                APPLY NOW 

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                *APR = Annual Percentage Rate. Normal lending policies apply. Some restrictions apply. Initial offering rates as low as 5.375% on the 30 Year 5/5 ARM Loan. The 5/5 ARM adjusts only once every 5 years. Rate is subject to increase or decrease at each adjustment once every five years. Rate adjustments are calculated using an index based on the 5 year US Treasury Index plus a margin of 2.5% then rounded to the nearest 1/8%. The current index is 4.330% as of November 9, 2022.  Quoted monthly payments do not include taxes, property insurance, or mortgage insurance. Rate is variable and can increase no more than 2 percentage points every 5 years. Rates over the term of the loan will not fall below the initial floor rate. Rates posted are indications only, not guaranteed and are subject to change without notice. Rates quoted above are for our best qualified applicants. Your actual rate, points, costs and amount borrowed may be different as many factors go into providing you with a mortgage loan. Other products are available that are not listed here. ARM rates are subject to change after loan closing. Insurance and tax escrows are required on all first mortgage loans where the loan to value ratio exceeds 80%. Existing WEOKIE mortgage loans may not be available for promotional benefits. Contact a mortgage loan officer for questions and details. Visit https://mortgage.weokie.org/rates.asp for current APRs and payment samples. Rates and terms are accurate as of  September 9, 2022, and are subject to change without notice.