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Tinker Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
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
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.tinkerfcu.org
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 59th largest credit union in the nation. It was established in 1946 and as of December of 2024, it had grown to 843 employees and 472,103 members at 29 locations. Tinker Federal Credit Union's money market rates are 5X 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 are assigned to or work for Tinker AFB, Vance 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

Reviews (5)

Used To Be A Great Credit Union Now Its Worst

Posted by: |

Filed a scam complaint with fraud department they never called back instead they blocked all access to my account online won’t give me any information even when I go in to broken arrrow branch . Some of my ach accounts are no longer paid on time . Worst ever customer service

1

Travel Trailer Loan

Posted by: |

1st thing is their website would not let me set up to transfer funds from my checking account at another bank to the checking account attached to the loan. Definitely not a user friendly website. So I started mailing checks for my payment. I tried to pay $500 per month when my payment was approximately $300. You would think I would be getting it paid off faster, but out of every $200 extra they charged $175 extra interest & only applied $25 to the payment. Why would a lender do this to a customer trying to pay off their loan?

I also very emphatically advise to stay away from Tinker Federal Credit Union

1

Be Warned Trust Me!!

Posted by: |

Tinker has the worst customer service I’ve ever dealt with in 55 years! If you take a loan with them, they will add funds to your loan without contacting you! Be warned!! I would never recommend borrowing money from this institution! Trust me I’ve been through hell with them for two month. Now trying to refinance with another better institution!! Be warned!!! I got a third notice by mail stating I need to show proof of insurance or they would take coverage for me and charge funds to my loan. Well I did show proof but they already charged my loan. I never got the two notices they claim to have sent! No phone calls! No registered mail. Nothing! They just help themselves adding funds to my loan without my approval!!

4

Fraud TFCU

Posted by: |

I have ALWAYS paid ALL of my accounts with TFCU in full and on time....apparently at one point I became a fraud victim on one of my accounts and instead of TFCU helping me to figure out what happened they are sueing me and can't even provide a list of what was charged! DO NOT DO BUSINESS WITH THIS BANK!

2

Stay Away!

Posted by: |

If I could give a negative review, I would. We had a car loan with them that we refinanced. However, they insisted that we switch to their GAP insurance (which when I went to the car dealer to cancel the GAP...they warned me to not do so...but the interest rate was lower so we did).
Well, my daughter was in an accident and the car was totalled. The GAP went back through all the years of the loan looking for late payments, fees, our deductible, etc. Anything they could find and ended up saying they didn't have to pay and that we still owed TFCU over $1000.
We went in and talked to several people to no avail.
Later, when we went to buy another car we found they had reported the $ as a repo...not a missed payment.
Stay far far away from this institution.

2


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #24524
Year Chartered1946
Employees843
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD10.65%
Annual Interest Income$309.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$6.03B$5.96B
LoansQ4 2024vs Q4 2023$3.45B$3.7B
DepositsQ4 2024vs Q4 2023$5.04B$5.02B
Equity CapitalQ4 2024vs Q4 2023$741.8MM$634MM
Loan Loss AllowanceQ4 2024vs Q4 2023$51.7MM$48.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$41.2MM$31.4MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
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
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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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
0.25%$5-Share

Tinker Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%*$500k*-Premium Plus
OTHER TIERS: 0.10% → $0 - $10k | 1.00% → $10k - $25k | 1.15% → $25k - $50k | 1.25% → $50k - $75k | 1.45% → $75k - $100k | 1.50% → $100k - $150k | 1.75% → $150k - $200k | 1.85% → $200k - $250k | 2.00% → $250k - $500k
0.50%*$2k*-Command Fund
OTHER TIERS: 0.30% → $0 - $2k

Tinker Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.21%$0$50kClick Checking
0.20%$0-Heritage Checking

Tinker Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.01%*$99k*-6 Month Share Certificate
OTHER TIERS: 3.54% → $1k - $10k | 3.70% → $10k - $25k | 3.80% → $25k - $50k | 3.90% → $50k - $99k
3.97%*$99k*-9 Month Share Certificate
OTHER TIERS: 3.50% → $1k - $10k | 3.65% → $10k - $25k | 3.76% → $25k - $50k | 3.86% → $50k - $99k
3.91%*$99k*-12 Month Share Certificate
OTHER TIERS: 3.45% → $1k - $10k | 3.60% → $10k - $25k | 3.71% → $25k - $50k | 3.81% → $50k - $99k
3.91%*$99k*-24 Month Share Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.76%*$99k*-48 Month Share Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.76%*$99k*-60 Month Share Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.71%*$99k*-36 Month Share Certificate
OTHER TIERS: 3.24% → $1k - $10k | 3.40% → $10k - $25k | 3.50% → $25k - $50k | 3.60% → $50k - $99k
3.45%$25-12 Month Starting Line Share Certificate
3.16%*$99k*-3 Month Share Certificate
OTHER TIERS: 2.70% → $1k - $10k | 2.85% → $10k - $25k | 2.95% → $25k - $50k | 3.06% → $50k - $99k
2.02%$25$5k18 Month Save & Build Certificate - Fixed
0.65%$5k-18 Month Save & Build Certificate - Variable

Tinker Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.01%*$99k*-6 Month IRA Certificate
OTHER TIERS: 3.54% → $500 - $10k | 3.70% → $10k - $25k | 3.80% → $25k - $50k | 3.90% → $50k - $99k
3.97%*$99k*-9 Month IRA Certificate
OTHER TIERS: 3.50% → $500 - $10k | 3.65% → $10k - $25k | 3.76% → $25k - $50k | 3.86% → $50k - $99k
3.91%*$99k*-12 Month IRA Certificate
OTHER TIERS: 3.45% → $500 - $10k | 3.60% → $10k - $25k | 3.71% → $25k - $50k | 3.81% → $50k - $99k
3.76%*$99k*-24 Month IRA Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.76%*$99k*-48 Month IRA Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.76%*$99k*-60 Month IRA Certificate
OTHER TIERS: 3.29% → $1k - $10k | 3.45% → $10k - $25k | 3.55% → $25k - $50k | 3.65% → $50k - $99k
3.71%*$99k*-36 Month IRA Certificate
OTHER TIERS: 3.24% → $1k - $10k | 3.40% → $10k - $25k | 3.50% → $25k - $50k | 3.60% → $50k - $99k
3.16%*$99k*-3 Month IRA Certificate
OTHER TIERS: 2.70% → $500 - $10k | 2.85% → $10k - $25k | 2.95% → $25k - $50k | 3.06% → $50k - $99k
0.30%$0-IRA Share
Locations

Availability

Oklahoma City Area

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