Our Tulsa Two-Step mortgage is a multiple rate mortgage that offers an incredibly low rate and only adjusts by one percent twice over the entire life of the loan, 1% after year 3 and 1% after year 6. This unique program is designed to benefit the member who is looking for a low rate on a mortgage but wants to combine the security of a long term, fixed mortgage. We do not lend on Manufactured housing. Real estate must be located in Oklahoma. Click here for current rates.  apply now