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Want a lower car payment?

Get $25 just for completing the application process!*

Submit your email and we will send you an application!

* Receive $25 gift card after completing full application process. SwapMyRate.com is a product of Oklahoma Educators Credit Union. Floor rate of 1.99% APR with max term of 72 months, i.e., A $10,000
loan at 1.99% APR for 72 months would result in a monthly payment of $147.46. Current OECU loans not eligible for refinance. Certain terms and conditions apply. Not all applicants will be approved. OECU
reserves the right to modify program, rates, terms, and conditions at any time without prior notice provided. Applicant must complete full application process to be eligible for $25 rebate. Loans with current
rate lower than 2.49% APR not eligible for rebate. Rebate will be paid at time of loan disbursement, or, if the loan application is not approved, sent in conjunction with the adverse action notice.

SWAP Family

See what out amazing customers have to say about working with us!

Meet Corey!

His favorite part of the Swap My Rate experience was the convenience and timeliness of the application process.

It was only a couple minutes and I was ready to go! The team was upfront and honest and made everything really easy. I’m saving roughly $150 a month - it’s great!



Welcome to the SwapMyRate.com experience, where we specialize in the SWAP, DROP, and LOCK IT approach to financial products. We are a fintech product powered by Oklahoma Educators Credit Union. We make it fast, we make it fun, and we make it worth your time! Spend a few minutes with one of our lending specialists and let us help swap your current payment for a smaller one. We love helping our customers save hundreds or even thousands of dollars!

Get Started Now


Step One


To get the process started, fill out our application to the best of your ability. We will then contact you via email or phone to verify information or help you complete any missing information.

It is not necessary to complete the entire application to start the process, but the more information you can give us, the faster we can process your monthly savings estimate.

Step Two


Once we have your completed application, sit back & relax, as we work our SWAP magic to see if we can structure terms that we hope will meet your savings expectations. Our offer(s) may include a reduction to your interest rate, monthly payment amount, or reduction in the number of months you will need to pay versus your current loan.

Important to note, your name and contact information will not be forwarded on to multiple financial organizations. Your personal information and credit inquiries are secure with us.

Step Two


Once we have your completed application, sit back and relax, as we will work on your behalf to find the best auto refinance offers in our credit union network.

And important to note, your name and contact information will not be forwarded on to multiple loan companies.

Step Three


After a Swap My Rate (powered by Oklahoma Educators Credit Union) lending specialist determines the best refinance deal for your needs, they will reach out to you to provide savings options and walk you through the final steps of the process!