Encentus Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.encentusfcu.org

918-430-3500

1320 S Lewis Ave
Tulsa, OK 74104

Encentus Federal Credit Union is headquartered in Tulsa and is the 43^rd largest credit union in the state of Oklahoma. It is also the 3,169^th largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 9 employees and 4,599 members at 1 location. Encentus Federal Credit Union's CD rates are 5X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Encentus Federal Credit Union is open to anyone working in the medical field in Oklahoma.
See current membership details

Reviews

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Encentus Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	20015
Year Chartered	1970
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	1.63%
Annual Interest Income	$231K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$21.5MM$22.4MM
Loans	Q1 2025vs Q1 2024	$7.9MM$8.7MM
Deposits	Q1 2025vs Q1 2024	$17.7MM$18.5MM
Equity Capital	Q1 2025vs Q1 2024	$3.8MM$3.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$183K$129K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$256K$246K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Encentus Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$1k^*	$3k	Christmas Club
OTHER TIERS: 0.25% → $50 - $1k
0.30%^*	$1k^*	$3k	Vacation Club
OTHER TIERS: 0.25% → $50 - $1k
0.25%^*	$50k^*	-	Regular Shares Account
OTHER TIERS: 0.10% → $50 - $1k \| 0.15% → $1k - $10k \| 0.20% → $10k - $50k

Encentus Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.08%	$100k	-	12 Month Jumbo Share Certificate
3.82%	$500	-	6 Month Share Certificate
3.82%	$100k	-	18 Month Jumbo Share Certificate
3.56%	$500	-	12 Month Share Certificate
3.56%	$100k	-	24 Month Jumbo Share Certificate
3.45%	$500	-	18 Month Share Certificate
3.05%	$500	-	24 Month Share Certificate
3.05%	$500	-	30 Month Share Certificate
3.05%	$500	-	36 Month Share Certificate
0.50%	$500	-	3 Month Share Certificate

Encentus Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%	$500	-	6 Month IRA Certificate
3.56%	$500	-	12 Month IRA Certificate
3.45%	$500	-	18 Month IRA Certificate
3.05%	$500	-	24 Month IRA Certificate
3.05%	$500	-	30 Month IRA Certificate
3.05%	$500	-	36 Month IRA Certificate
0.50%	$500	-	3 Month IRA Certificate
0.45%^*	$25k^*	-	IRA Savings
OTHER TIERS: 0.35% → $50 - $10k \| 0.40% → $10k - $25k

Locations

Encentus Federal Credit Union Locations
Corporate Office	1320 S Lewis Ave	Tulsa, OK 74104-4205

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