Overview / Commentary
405-732-0324
715 Metropolitan Ave
Oklahoma City, OK 73108

Tinker Federal Credit Union is headquartered in Oklahoma City and is the largest credit union in the state of Oklahoma. It is also the 53rd largest credit union in the nation. It was established in 1946 and as of June of 2018, it had grown to 665 employees and 372,610 members at 31 locations. Tinker Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Tinker Federal Credit Union is open to those who live, work, worship, or attend school in any of the following Oklahoma counties: Payne, Pontotoc, Seminole, or in Oklahoma City's Empowerment Zone. Membership is also open to military or civilian personnel of the U.S. government who is assigned to or work for Tinker AFB, one of the Armed Forces Reserve Centers in Oklahoma, members of any veterans organization in Oklahoma, or employees of a select business partner.
See current membership details

Related Posts

Tinker Federal Credit Union (OK) Adds 33-Month CD - 10/8/2018

Tinker Federal Credit Union (Oklahoma) has added a 33-month Special Term Certificate, which earns 3.35% APY. Minimum opening deposit is $1k. Also offered as an IRA.

Tinker FCU (OK) Adds 24-Month Special CD - 3/7/2018

Tinker FCU (OK) has added a limited-time 24-Month Special Term Share Certificate (2.43% APY). Minimum deposit is $2.4k, with no stated balance cap. Also as an IRA.

View all posts from:


Reviews (5)

Tinker Federal

Posted by: norachung | Apr 1, 2018

Really a great bank, been with them for years. We have both direct deposits and traditional checks, as well as checking and savings accounts. The app has a picture deposit function that has come in handy more than once. I regularly go in for a deposit and split my check between both our accounts and each of my children's Saver accounts.

TF Credit Union

I've been a member for 15 years or so and they are consistent across all of their branches. Inside the credit union, they have enough tellers working to keep lines short and greet you as you come in. They also try to keep it easy to use their services, for instance they sell stamps through their ATM machines, before chip cards became the standard you could get a new ATM card in the branch instead of waiting for one to be mailed to you and their website offers a lot of budget tools and calculators that are free to use.
I appreciate that they support the local community both through fundraising and by giving back to their members. Examples of their fundraising include displaying wreaths and other seasonal decor at their branches and selling them to support local charities, volunteering at the holiday lights display and sponsoring various groups in the community. Giving back to their members includes discount tickets to local venues and monthly random reimbursements of a bills.
I mainly use their web services and they are very user friendly and intuitive. I like that they have mobile deposit and that all services can be done online, including contacting customer service, researching account histories, transfers, etc.

Tinker Credit Union

I needed a savings account and I was very happy to have qualified for an account at Tinker Federal Credit Union due to being a college student. They only require that you open your account with $5 but I decided to put $5000 in my savings account and watch it grow. I also installed their mobile app on my phone which gives me an the current balance and my account information. Unfortunately, their mobile app is very buggy and has alot of issues (it crashes alot) when you try to login as well as operate the app. Hopefully a fix is in store. Overall, I am a big fan of the company. They have the highest rate around that I have seen and their online and bank customer service is great.

Best Financial Friend

I have a checking and saving account with Tinker Federal Credit Union and I have since 2002. They are very responsive to my personal needs, like when I had trouble paying my car loan one month, the Credit Union allowed me to skip that payment for a couple weeks until I was able to pay. There is an overdraft protection that allows for your bills to be paid even though you may not have the funds at the time. The fees are a bit aggressive but nothing too much. If you allow it to get out of hand they can become a lot. Tinker has been with me through a lot of financial decisions and I will always consider them first when I have financial questions.

Good experience overall

Posted by: SRP86 | Jun 15, 2015

I have been banking with Tinker FCU for about 6 years now, and I have had a good overall experience with them. I have taken multiple loans for cars through TFCU and I have always gotten a decent rate. The customer service is quick and friendly, no matter the issue. I had an issue in the summer of 2014 where I had checks stolen and forged, and TFCU refunded the money to my account very quickly and there were no questions asked about the issue. There has only been one time that I was less than 100% satisfied with them, and it was because I was trying to get a loan for a new car in 2013, and they did not want to give me all that I needed despite having perfect payment history through them and a good credit rating. I ended up getting the loan through another institution as a result, but I still bank with TFCU. I use their online banking almost daily to pay my bills automatically, check balances and transfer funds. Their mobile app is very user friendly and easy to set up. TFCU is members only for military, ex-military and certain employers throughout the communities that they are present in. If you are able to get an account with TFCU I would highly recommend them!



Health

Health Grade Components

Overall
NCUA #24524
Year Chartered1946
Employees665
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.46%
Annual Interest Income$66.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$3.84B$3.73B
LoansQ2 2018vs Q2 2017$2.75B$2.56B
DepositsQ2 2018vs Q2 2017$3.39B$3.29B
Equity CapitalQ2 2018vs Q2 2017$418.1MM$392.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$21.9MM$20.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$15.9MM$19.6MM
Real Estate OwnedQ2 2018vs Q2 2017$0$64.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Tinker Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Tinker Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Share
0.45%$5-Share

Tinker Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%*$250k*-Premium Plus
OTHER TIERS: 0.10% Up to $10k | 0.85% $10k - $25k | 0.90% $25k - $50k | 0.95% $50k - $75k | 1.00% $75k - $100k | 1.06% $100k - $150k | 1.11% $150k - $200k | 1.21% $200k - $250k
0.60%*$2k*-Command Fund
OTHER TIERS: 0.10% Up to $2k

Tinker Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$30kClick Checking
OTHER TIERS: 0.52% $30k+
0.25%--Heritage Checking

Tinker Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%$1k-33 Month Share Certificate Special
2.99%*$99k*-60 Month Share Certificate
OTHER TIERS: 2.68% $1k - $10k | 2.84% $10k - $25k | 2.89% $25k - $50k | 2.94% $50k - $99k
2.78%*$99k*-48 Month Share Certificate
OTHER TIERS: 2.48% $1k - $10k | 2.63% $10k - $25k | 2.68% $25k - $50k | 2.73% $50k - $99k
2.53%*$99k*-36 Month Share Certificate
OTHER TIERS: 2.22% $1k - $10k | 2.38% $10k - $25k | 2.43% $25k - $50k | 2.48% $50k - $99k
2.27%*$99k*-24 Month Share Certificate
OTHER TIERS: 1.97% $1k - $10k | 2.12% $10k - $25k | 2.17% $25k - $50k | 2.22% $50k - $99k
1.71%*$99k*-12 Month Share Certificate
OTHER TIERS: 1.41% $1k - $10k | 1.56% $10k - $25k | 1.61% $25k - $50k | 1.66% $50k - $99k
1.46%*$99k*-6 Month Share Certificate
OTHER TIERS: 1.16% $1k - $10k | 1.31% $10k - $25k | 1.36% $25k - $50k | 1.41% $50k - $99k
1.06%*$99k*-3 Month Share Certificate
OTHER TIERS: 0.75% $1k - $10k | 0.90% $10k - $25k | 0.95% $25k - $50k | 1.00% $50k - $99k
0.60%$25-Starting Line Share Certificate

Tinker Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%$1k-33 Month IRA Certificate Special
2.99%*$99k*-60 Month IRA Certificate
OTHER TIERS: 2.68% $1k - $10k | 2.84% $10k - $25k | 2.89% $25k - $50k | 2.94% $50k - $99k
2.78%*$99k*-48 Month IRA Certificate
OTHER TIERS: 2.48% $1k - $10k | 2.63% $10k - $25k | 2.68% $25k - $50k | 2.73% $50k - $99k
2.53%*$99k*-36 Month IRA Certificate
OTHER TIERS: 2.22% $1k - $10k | 2.38% $10k - $25k | 2.43% $25k - $50k | 2.48% $50k - $99k
2.27%*$99k*-24 Month IRA Certificate
OTHER TIERS: 1.97% $1k - $10k | 2.12% $10k - $25k | 2.17% $25k - $50k | 2.22% $50k - $99k
1.71%*$99k*-12 Month IRA Certificate
OTHER TIERS: 1.41% $500 - $10k | 1.56% $10k - $25k | 1.61% $25k - $50k | 1.66% $50k - $99k
1.46%*$99k*-6 Month IRA Certificate
OTHER TIERS: 1.16% $500 - $10k | 1.31% $10k - $25k | 1.36% $25k - $50k | 1.41% $50k - $99k
1.06%*$99k*-3 Month IRA Certificate
OTHER TIERS: 0.75% $500 - $10k | 0.90% $10k - $25k | 0.95% $25k - $50k | 1.00% $50k - $99k
Locations

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