Tinker Federal Credit Union


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 56th largest credit union in the nation. It was established in 1946 and as of March of 2024, it had grown to 806 employees and 463,130 members at 29 locations. Tinker Federal Credit Union's CD rates are 5X the national average, and it has a B+ 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

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Tinker Federal Credit Union

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)

Tinker Federal

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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.

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.

Used To Be A Great Credit Union Now Its Worst

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

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Health
B+

Health Grade Components

Overall
NCUA #24524
Year Chartered1946
Employees806
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD10.14%
Annual Interest Income$75MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$6.09B$6.07B
LoansQ1 2024vs Q1 2023$3.61B$3.76B
DepositsQ1 2024vs Q1 2023$5.05B$5.21B
Equity CapitalQ1 2024vs Q1 2023$649.3MM$564MM
Loan Loss AllowanceQ1 2024vs Q1 2023$49.3MM$47MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$33MM$15.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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
0.30%$0-IRA Share
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
2.47%$0$30kClick Checking
0.20%$0-Heritage Checking

Tinker Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.96%*$99k*-6 Month Share Certificate
OTHER TIERS: 4.50% $1k - $10k | 4.65% $10k - $25k | 4.76% $25k - $50k | 4.86% $50k - $99k
4.86%*$99k*-9 Month Share Certificate
OTHER TIERS: 4.39% $1k - $10k | 4.55% $10k - $25k | 4.65% $25k - $50k | 4.76% $50k - $99k
4.81%*$99k*-12 Month Share Certificate
OTHER TIERS: 4.34% $1k - $10k | 4.50% $10k - $25k | 4.60% $25k - $50k | 4.70% $50k - $99k
4.46%*$99k*-24 Month Share Certificate
OTHER TIERS: 4.00% $1k - $10k | 4.15% $10k - $25k | 4.26% $25k - $50k | 4.36% $50k - $99k
4.36%*$99k*-36 Month Share Certificate
OTHER TIERS: 3.89% $1k - $10k | 4.05% $10k - $25k | 4.15% $25k - $50k | 4.26% $50k - $99k
4.34%$25-12 Month Starting Line Share Certificate
4.26%*$99k*-48 Month Share Certificate
OTHER TIERS: 3.79% $1k - $10k | 3.95% $10k - $25k | 4.05% $25k - $50k | 4.15% $50k - $99k
4.21%*$99k*-60 Month Share Certificate
OTHER TIERS: 3.75% $1k - $10k | 3.90% $10k - $25k | 4.01% $25k - $50k | 4.11% $50k - $99k
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
4.96%*$99k*-6 Month IRA Certificate
OTHER TIERS: 4.50% $500 - $10k | 4.65% $10k - $25k | 4.76% $25k - $50k | 4.86% $50k - $99k
4.96%*$50k*$99k60 Month IRA Certificate
OTHER TIERS: 3.75% $1k - $10k | 3.90% $10k - $25k | 4.01% $25k - $50k | 4.21% $99k+
4.86%*$99k*-9 Month IRA Certificate
OTHER TIERS: 4.39% $500 - $10k | 4.55% $10k - $25k | 4.65% $25k - $50k | 4.76% $50k - $99k
4.81%*$99k*-12 Month IRA Certificate
OTHER TIERS: 4.34% $500 - $10k | 4.50% $10k - $25k | 4.60% $25k - $50k | 4.70% $50k - $99k
4.46%*$99k*-24 Month IRA Certificate
OTHER TIERS: 4.00% $1k - $10k | 4.15% $10k - $25k | 4.26% $25k - $50k | 4.36% $50k - $99k
4.36%*$99k*-36 Month IRA Certificate
OTHER TIERS: 3.89% $1k - $10k | 4.05% $10k - $25k | 4.11% $50k - $99k | 4.15% $25k - $50k
4.26%*$99k*-48 Month IRA Certificate
OTHER TIERS: 3.16% $50k - $99k | 3.79% $1k - $10k | 3.95% $10k - $25k | 4.05% $25k - $50k
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
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