15th Annual Groundhog Day Loan Sale
Pre-approvals for the Groundhog Day loan began on Monday, January 26, 2026
and ran through end of business on Monday, January 26, 2026 until the loan pool was exhausted.
Groundhog Loan Sale applications will not be accepted before the approval starting date of January 26.
The Groundhog Loan Sale drop-down selection on the Loan Application will be live on January 26th at 9:00 am.
Members who attempt to apply for the Groundhog Loan Sale special rate prior to January 26th, will have to reapply via the online loan application by selecting the Groundhog Loan Sale selection once it’s active on the Oklahoma Community CU website’s loan app.
Members who are pre-approved may begin closing their Groundhog Day Loan Sales starting
Tuesday, February 3rd and running through Friday, February 27, 2026.
Pre-approved secured consumer loans will receive a rate as low as 3.99% APR**
and unsecured consumer loans will receive a rate as low as 6.99% APR++.
See complete rules below for details.
AFTER PRE-APPROVAL
YOUR NEXT STEPS FOR GROUNDHOG LOAN SALE PRE-APPROVED MEMBERS
Step 1 – SCHEDULE A LOAN CLOSING APPOINTMENT
Beginning, Tuesday, February 3rd, 2026, Members who were pre-approved may begin scheduling their loan closing appointment with a loan officer.
Step 2 – CLOSE YOUR LOAN BEFORE THE DEADLINE
All Groundhog Day Sale loans must be closed by Friday, February 27th, 2026 to receive the Groundhog Day loan sale rate.
Step 3 – ENJOY YOUR NEW VEHICLE OR PEACE OF MIND LOAN MONEY
Thank you for participating in the 15th Annual Groundhog Loan Day Sale. We appreciate your Membership and hope promotions like these help you achieve your financial goals.
RULES & LOAN QUALIFICATIONS
- Loans must be $10,000.00 or over for secured and $1,000 or over for unsecured.
- This sale is only applicable towards secured loans 0-72 months and unsecured loans 0-36 months terms.
- Loans must be new to Oklahoma Community Credit Union (i.e., New Loan or Refinance from another institution). No current Oklahoma Community Credit Union loans will be refinanced.
- Real estate loans and in-direct loans do not qualify for the Groundhog Day loan sale rate.
- Collateral must be 2014 model or newer.
- Qualification is based on credit worthiness and amount of loan. If you do not qualify, we reserve the right to refuse your loan request.
- Your final loan amount may not exceed the pre-approved loan amount.
- Pre-approved secured consumer loans will receive a rate as low as 3.99% APR** and unsecured consumer loans will receive a rate as low as 6.99% APR++.
- Loan fees will be applied.
- Loan funds will be made available once the borrower(s) has submitted applicable required documentation (i.e., proof of income, vehicle title, etc.)
- Must qualify for membership eligibility if not currently a credit union member.
- Oklahoma Community Credit Union reserves the right to make changes to procedures/rules of this promotional program.
Disclosures
**An auto loan of $20,000 for 72 months at 3.99% Annual Percentage Rate (APR) will have a monthly payment of $312.79. Loan is subject to credit approval. A lien fee and VSI will be required. Must be 18 or older to apply.
++An unsecured loan of $5,000 for 36 months at 6.99% Annual Percentage Rate (APR) will have a monthly payment of $154.34. Loan is subject to credit approval. Must be 18 or older to apply.
To obtain groundhog day loan sale special rate, secured loan must be $10,000 or over and unsecured loan must be $1,000 or over.
This loan sale is only applicable towards secured loans 0-72 months and unsecured 0-36 months terms.
No real estate loans, no credit cards or refinancing of current Oklahoma Community Credit Union loans. Additional terms or conditions may apply. The Credit Union has the right to change or end the promotion at anytime. Credit Union membership is required.
Pre-approvals are accepted from Jan. 26th – Feb. 2nd, 2026, or until loan pool is exhausted.
Loan closing dates for pre-approved Groundhog Loan Day Sale applicants will be from Feb. 3rd – 27th, 2026.