Fort Sill Federal Credit Union

Overview / Commentary
1614 NW 67th St.
Lawton, OK 73505

Fort Sill Federal Credit Union is headquartered in Lawton and is the 11th largest credit union in the state of Oklahoma. It is also the 882nd largest credit union in the nation. It was established in 1956 and as of December of 2021, it had grown to 71 employees and 23,235 members at 5 locations. Fort Sill Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Comanche County.
See current membership details

Reviews (2)

Fort Sill

Posted by: |

This is the credit union the Marine Corps was using when I was a recruit and so I made an account with them. I didn't keep them for very long but have regretted it because they actually had a good interest rate on the savings account and even a decent rate on the checking account. The part that I now really miss is that there weren't any withdraw or currency conversion fees on international ATMs (and I travel a lot for work now). As far as I know they didn't have any web or mobile apps but few banks did back then so I can't really fault them much for that.

Promising, for a small credit union.

Posted by: |

My fiancee and I joined Fort Sill Federal Credit Union when we decided we were going to buy a new vehicle and were looking into buying a house in the relatively near future. Neither of us were happy with our banks at the time and everyone we'd talked to continued to say we needed to open an account at a credit union. This was the most popular one in the area, so we decided to go ahead and do it.

Thus far, it's had its ups and its downs. As a primarily online banker, I miss the wide range of things I could do with my account via my phone or the website. Making transfers is more difficult. There's not nearly as much detailed account information as before. The website isn't designed as well and takes more effort to navigate to find the information I need. The mobile app is useless for anything other than merely checking my account balance. I miss being able to deposit checks with my phone like I could at the old bank.

They're also much more stringent on their loan process and standards. Despite meeting every stipulation and bullet point needed to get a competitive auto loan, I was declined for arbitrary reasons by a loan officer who wouldn't even speak with me face to face to give me a reason why. I was not a fan of this at all and almost close my account because of it. I feel if you're going to have a certain set of standards and someone meets those standards, then they should be given the loan. So one of the main reasons we signed up was now null.

However, we like their cash back plan on our checking account. After spending so much money and making so many transactions with our debit cards, we get 4 percent cash back at the end of the month. That's better than any credit card and we're certainly ones to take advantage of it. So that remains our main reason for sticking with them. We might not have the ATM network, as well, but we get refunds for all ATM fees at the end of the month.

Overall, it's not the greatest place and certainly doesn't live up to the hype that we were given into, but it's a quality establishment and a breath of fresh air from big banks.


Health Grade Components

NCUA #10832
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.17%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$355.1MM$336.6MM
LoansQ4 2021vs Q4 2020$137.8MM$123.3MM
DepositsQ4 2021vs Q4 2020$316.6MM$298.3MM
Equity CapitalQ4 2021vs Q4 2020$37.4MM$37.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$745.00K$866.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$474.00K$826.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Fort Sill Federal Credit Union Savings Account Rates

0.40%$25-IRA Savings
0.05%$25-Share (Traditional Savings)
0.05%$25-Christmas Club
0.05%--Kids Corps

Fort Sill Federal Credit Union Checking Account Rates

1.70%*-$10kPREMIUM PLUS Checking ($1,000+ Spending Level)
OTHER TIERS: 0.03% $10k+
1.00%-$10kPREMIUM PLUS Checking ($500-$999.99 Spending Level)
0.50%*-$10kPREMIUM PLUS Checking ($100-$499.99 Spending Level)
OTHER TIERS: 0.03% $10k+
0.05%-$10kPREMIUM PLUS Checking ($0-$99.99 Spending Level)

Fort Sill Federal Credit Union CD Rates

0.40%$1k-5 Year Share Certificate
0.35%$1k-4 Year Share Certificate
0.30%$1k-3 Year Share Certificate
0.25%$2k-2 Year Share Certificate
0.20%$2k-1 Year Share Certificate
0.15%$2.5k-6 Month Share Certificate

Fort Sill Federal Credit Union IRA Rates

0.40%$1k-5 Year IRA Share Certificate
0.35%$1k-4 Year IRA Share Certificate
0.30%$1k-3 Year IRA Share Certificate
0.25%$2k-2 Year IRA Share Certificate
0.20%$2k-1 Year IRA Share Certificate
0.15%$2.5k-6 Month IRA Share Certificate

Fort Sill Federal Credit Union Locations
Corporate Office1614 NW 67th StLawton, OK 73505-2725
Branch Office2 NE 22nd StLawton, OK 73507
Branch Office4700 Mow Way RdFort Sill, OK 73503
Branch Office5202 SW Lee BlvdLawton, OK 73505
Branch Office4116 Thomas StFort Sill, OK 73503

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