Tinker Federal Credit Union is headquartered in Oklahoma City and is the largest credit union in the state of Oklahoma. It is also the 55th largest credit union in the nation. It was established in 1946 and as of June of 2023, it had grown to 793 employees and 457,799 members at 29 locations. Tinker Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.
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
I love Tinker Federal Credit Union!! I have been with the CU since 11/21/14 when I turned 16, and I can say the past 6 years have been stressful, BUT! When I go into my local TFCU branch to conduct deposits and/or cash withdrawals, I have not once had an issue with the Seminole Branch at 2221 N. Milt Phillips, Seminole, OK. They’ve always been my number one in financial institutions. I love how their MoneyPlus Visa check card is instantly issued at any full service branch, and while you have to wait 7-10 calendar days for your replacement Visa debit card to arrive in the mail, it isn’t a horrible wait. They reissue and mail you a replacement debit card the month of the expiration date, and it arrives in time for you to activate it before your existing card cancels out automatically. One of the things I love about this CU is that they, like most financial institutions accept Apple Pay as a payment method with the MoneyPlus Visa check card. The only request I have is that cardholders can verify their card for Apple Pay use via text message, instead of having to call into Member Services from Monday thru Friday between 9-5 CDT to verify their card number for Apple Pay usage, especially if they don’t receive their replacement card in the mail until after Member Services has closed for the day, or if they receive their card on a day that Member Services is closed, (i.e. Weekend or Federal Holiday)
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.
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.
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!!
Overall | |
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NCUA # | 24524 |
Year Chartered | 1946 |
Employees | 793 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.22% |
Return on Equity - YTD | 12.94% |
Annual Interest Income | $129.1MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q2 2023vs Q2 2022 | $6.02B$5.96B |
Loans | Q2 2023vs Q2 2022 | $3.72B$3.63B |
Deposits | Q2 2023vs Q2 2022 | $5.13B$5.37B |
Equity Capital | Q2 2023vs Q2 2022 | $569.5MM$552.8MM |
Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$15.4MM |
Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $17.0MM$16.9MM |
Real Estate Owned | Q2 2023vs Q2 2022 | $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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.30% | - | - | IRA Share | |
0.25% | $5 | - | Share |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
2.47% | - | $30k | Click Checking | |
0.20% | - | - | Heritage Checking |