True Sky Credit Union

Overview / Commentary
10201 S Western Ave
Oklahoma City, OK 73139

True Sky Credit Union is headquartered in Oklahoma City and is the 7th largest credit union in the state of Oklahoma. It is also the 483rd largest credit union in the nation. It was established in 1946 and as of March of 2024, it had grown to 161 employees and 61,073 members at 14 locations. True Sky Credit Union's money market rates are 70% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

True Sky Credit Union offers membership to anyone through membership in the American Consumer Council. Immediate family can also join.
See current membership details

Reviews (5)

True Sky Credit Union

My credit union is used for a personal savings and checking. I have used my credit union for 6+ years, the fees are reasonable and they give you leniency before they charge you certain fees. I would say the customer service does need work for example, when you deposit money through the drive thru tellers they rarely greet you or talk to you. Last time I was depositing some money they said is this all you need and after saying yes they said okay I'll send a receipt shortly. I like my web/mobile experience but it does have a lot of down time but overall its pretty decent.

meets basic needs

I have been a member at this bank for many years now and it is a decent local bank. Their customer service i think can be improved a little bit, which you'd think as a small company would be pretty good. I have had questions before that many seem do not know the answer too, which is ok, but it seems to be a running theme at many branches. I also do not like how they have limits on the amount of transactions per month you can make between accounts. I'm not sure why that is it is not like actual currency is moving anywhere...? it all just digital number. I have been turned down for a particular savings account before too when i was younger and the officer i spoke to was a little disrespectful about it. For being a small bank it is decent, i don't do a whole lot of business there besides just a checking and a few savings account. There app has greatly improved too. I would like to see a few more features like the other big banks have but i understand there are certain things ill have to live with because its a smaller bank. Overall, i'm fairly happy with it. I'd recommend it if you just need a basic checking and savings account but not much more after that.

Very Hard To Get In Contact With

Customer service needs a lot of work.

Communication Is Poor! Hard To Contact!

Posted by: |

The way they are set up is that one rep get's all the inbound calls. You can't talk to a branch. It's a terrible system of communication. As soon as my CD is up, I'm out of there.

Great Customer Service But They Killed Off Their RCA

Posted by: |

Opened up a RCA with them which was hassle free and at the time, paying a competitive 4%. The rate slowly declined to the point where they totally eliminated their RCA. They allowed existing customers to be grandfathered in but at 1.50%, it's not worth the debits. Perhaps if they reinstate their RCA with a higher interested rate I would reconsider.


Health Grade Components

NCUA #24934
Year Chartered1946
Primary Regulator
Profit Margin
Return on Assets - YTD-1.81%
Return on Equity - YTD-42.48%
Annual Interest Income$10.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$908.8MM$917.1MM
LoansQ1 2024vs Q1 2023$638.9MM$682.9MM
DepositsQ1 2024vs Q1 2023$767.9MM$799.7MM
Equity CapitalQ1 2024vs Q1 2023$39.2MM$50.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.5MM$3.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.8MM$4.3MM
Real Estate OwnedQ1 2024vs Q1 2023$0$216K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

True Sky Credit Union Savings Account Rates

0.05%$0-Regular Shares
0.05%$0-Special Share Savings

True Sky Credit Union Money Market Rates

1.80%*$50k*-Community Business Money Market
OTHER TIERS: 1.05% $0 - $10k | 1.30% $10k - $50k
0.75%*$100k*-Money Market
OTHER TIERS: 0.25% $2.5k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k

True Sky Credit Union Checking Account Rates

1.00%*$50k*-Community Business Checking
OTHER TIERS: 0.25% $0 - $10k | 0.50% $10k - $50k
0.50%*$0$40kOptimum Checking - Qualifying
OTHER TIERS: 0.05% $40k+

True Sky Credit Union CD Rates

4.60%*$10k*-7 Month CD Special - New Money
OTHER TIERS: 4.40% $0 - $10k
2.58%$500$100k5 Year CD
2.36%$500$100k36-47 Month CD
2.36%$500$100k48-59 Month CD
2.31%$500$100k13-23 Month CD
2.26%$500$100k24-35 Month CD
2.11%$1k$100k7-12 Month CD
1.91%$1k$100k6 Month CD
1.55%$1k$100k90 Day CD

True Sky Credit Union IRA Rates

2.58%$500$100k5 Year IRA
2.36%$500$100k36-47 Month IRA
2.36%$500$100k48-59 Month IRA
2.31%$500$100k13-23 Month IRA
2.26%$500$100k24-35 Month IRA
2.11%$1k$100k7-12 Month IRA
1.91%$1k$100k6 Month IRA
1.55%$1k$100k90 Day IRA


Oklahoma City Area

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