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Credit Union One Of Oklahoma Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Credit Union One Of Oklahoma Credit Union's CD - 18 Month rates are at 2.78%, 1 year CD - One Year rates are at 2.78%, 2 years CD - Two Year rates are at 2.53%, 4 years CD - Four Year rates are at 2.27%, 3 years CD - Three Year rates are at 2.27%. Credit Union One Of Oklahoma Credit Union's savings rates are at 3.04%. Credit Union One Of Oklahoma Credit Union's money market rates are at 0.30%. Credit Union One Of Oklahoma Credit Union's checking rates are as high as 3.04%. Credit Union One Of Oklahoma Credit Union's Personal Loan Rates are as low as 1.99%. Credit Union One Of Oklahoma Credit Union's Credit Card Rates are at 9.99%. Credit Union One Of Oklahoma Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Credit Union One Of Oklahoma Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.42%. Rates last updated and verified on 10/29/2026.
Credit Union One Of Oklahoma Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union One Of Oklahoma Credit Union? Share your experience about Credit Union One Of Oklahoma Credit Union by leaving a review below, or read customer reviews before you decide to use Credit Union One Of Oklahoma Credit Union.
Credit Union One Of Oklahoma Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Credit Union One Of Oklahoma Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
8.42%
ExcellentHigher than avg
Credit Union One Of Oklahoma Credit Union Texas Ratio
Credit Union One Of Oklahoma Credit Union's Texas Ratio is 8.42%, which is considered excellent and is higher than the national average of 6.13%.
Credit Union One Of Oklahoma Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Credit Union One Of Oklahoma Credit Union Health Trend
2.71% to 8.42% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Credit Union One Of Oklahoma Credit Union CD Rates
Product
Rate
APY
Term
View More
1 year IRA Certificate One Year
2.75%
2.78%
1 year
Min Balance$100,000
DetailsBalance: $100,000.00 and over; Dividends Paid: Monthly
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.78% → 2.78% ▼ 0.00 pts · high 2.78% / low 2.78%
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Rewards Checking with MyRewards +
0.10%
0.10%
Min Balance$0
DetailsPublished APY range: 0.10% - 2.53%; Published rate range: 0.10% - 2.50%. Balance: $0 - $10,000.00; Dividends paid monthly; To qualify for highest APY, requirements must be met
Last Updated10/29/2026
Rate History
2 changes since Sep 18, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 2.53% / low 0.10%
Oct 19, 20260.10%▼ from 2.53%
Oct 13, 20262.53%▲ from 0.10%
Sep 18, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
SavvySpender Checking (Minor Checking)
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000.01 and over; Dividends Paid: Monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
No change since Sep 22, 2026 · 13.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Credit Union One Of Oklahoma Credit Union Personal Loan Rates
Product
APR
Term
View More
Storm Shelter Loans - Personal
1.99%
up to 36 months
DetailsEffective 10-16-26; Advertised rate includes 0.25% loyalty discount for qualifying borrowers and 0.25% discount for direct deposit of at least $1,500.00 per month into a CUOne Rewards Checking account
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Storm Shelter Loans - Personal
2.99%
37 - 60 months
DetailsEffective 10-16-26; Advertised rate includes 0.25% loyalty discount for qualifying borrowers and 0.25% discount for direct deposit of at least $1,500.00 per month into a CUOne Rewards Checking account
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - New Loan
5.74%
up to 60 months
DetailsType: New; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 19, 20265.74%▲ from 5.24%
Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - New Loan
6.99%
61 - 72 months
DetailsType: New; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49%
Oct 19, 20266.99%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - Used Loan
7.24%
up to 60 months
DetailsType: Used; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74%
Oct 19, 20267.24%▲ from 6.74%
Sep 14, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - New Loan
7.49%
73 - 84 months
DetailsType: New; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 19, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - Used Loan
7.49%
61 - 72 months
DetailsType: Used; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 19, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Home Improvement Loans - Solar, HVAC, Outbuilding, Generator, Windows, Piers/Foundation Support
7.99%
6 - 180 months
DetailsEffective 10-16-26; advertised rate includes 0.25% loyalty discount for qualifying borrowers and 0.25% direct deposit discount
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Motorcycle, ATV, Personal Watercraft - Used Loan
7.99%
73 - 84 months
DetailsType: Used; Effective 10-16-26
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49%
Oct 19, 20267.99%▲ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Bucket List Loans - Personal Loan
9.99%
12 - 48 months
DetailsEffective Date: 10-16-26; Unsecured personal loan; APR*
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.99% APR · checked 4 times
No change since Oct 13, 2026 · 9.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Credit Union One Of Oklahoma Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Minor Accounts
-
-
3.00%
DetailsEarn up to 3.00% APY; promo card lists SmartSaver Savings and SavvySpender Checking under Minor Accounts
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.42%
Financial Health History
Credit Union One Of Oklahoma Credit Union’s Texas Ratio rose from 2.71% in Q3 2023 to 8.42% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$40M
8.42%
5.0
A
March 31, 2026
$39M
8.31%
5.0
A
December 31, 2025
$40M
1.90%
5.0
A+
September 30, 2025
$40M
3.52%
5.0
A+
June 30, 2025
$42M
3.56%
5.0
A+
March 31, 2025
$42M
2.76%
5.0
A+
December 31, 2024
$42M
3.29%
5.0
A+
September 30, 2024
$42M
3.29%
5.0
A+
June 30, 2024
$43M
4.09%
5.0
A+
March 31, 2024
$43M
3.25%
5.0
A+
December 31, 2023
$46M
5.53%
5.0
A+
September 30, 2023
$48M
2.71%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Credit Union One Of Oklahoma Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Credit Union One Of Oklahoma Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Credit Union One Of Oklahoma Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameCredit Union One Of Oklahoma Credit Union
Address
3330 N Lincoln Blvd,
Oklahoma City, OK 73105-5406
Phone405-557-0167
Fax405-557-2842
PresidentMichael Fischer
CEOTyrel McCain
Full-Time Employees10
Part-Time Employees0
Branch Locations3
ATM Locations3
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.42%
Return on Assets (ROA)
0.0433%
Return on Equity (ROE)
0.2913%
Non-Performing Loans Ratio (NPL)
1.75%
Total Assets
39,879,813
Total Amount of Shares and Deposits
33,712,962
Total Shares and Deposits < 1 Year
33,061,451
Total Shares and Deposits 1 3 Years
612,161
Total Shares and Deposits > 3 Years
39,350
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,411,820
Total Uninsured Shares and Deposits > $250K (F+J)
1,411,820
Total Insured Shares and Deposits > $250K (item 17 less item K)
32,301,142
Total Interest Expense (Sum of items 6 8)
49,130
Share Certificates
91
Number of Accounts for Share Drafts
1,459
IRA KEOGH Accounts
75
Number of Accounts for Regular Shares
3,779
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,634,521
Total Liabilities
33,950,202
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Credit Union One Of Oklahoma Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Credit Union One Of Oklahoma Credit Union
Frequently Asked Questions About Credit Union One Of Oklahoma Credit Union
Does Credit Union One Of Oklahoma Credit Union offer CDs?
Yes. Credit Union One Of Oklahoma Credit Union current CD rates include its CD - 18 Month at 2.78% APY, its 1 year CD - One Year at 2.78% APY and its 2 years CD - Two Year at 2.53% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Credit Union One Of Oklahoma Credit Union NCUA insured?
Yes. Credit Union One Of Oklahoma Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Credit Union One Of Oklahoma Credit Union?
The highest Credit Union One Of Oklahoma Credit Union CD rate is its 1 year IRA CD One Year at 2.78% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Credit Union One Of Oklahoma Credit Union offer?
Credit Union One Of Oklahoma Credit Union CD rates are 2.78% APY for a 12 month CD, 2.78% APY for an 18 month CD, 2.53% APY for a 2 year CD, 2.27% APY for a 3 year CD and 2.27% APY for a 4 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union One Of Oklahoma Credit Union for its full lineup.
What is the highest savings rate at Credit Union One Of Oklahoma Credit Union?
The highest Credit Union One Of Oklahoma Credit Union savings rate is its SmartSaver Savings (Minor Savings) at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Credit Union One Of Oklahoma Credit Union?
The highest Credit Union One Of Oklahoma Credit Union money market rate is its Money Market Checking at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Credit Union One Of Oklahoma Credit Union?
The highest Credit Union One Of Oklahoma Credit Union checking rate is its SavvySpender Checking (Minor Checking) at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Credit Union One Of Oklahoma Credit Union?
The lowest Credit Union One Of Oklahoma Credit Union auto loan rate is its Auto Loan at 3.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Credit Union One Of Oklahoma Credit Union?
The lowest Credit Union One Of Oklahoma Credit Union personal loan rate is its Storm Shelter Loans - Personal at 1.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Credit Union One Of Oklahoma Credit Union?
The lowest Credit Union One Of Oklahoma Credit Union credit card APR is its VISA Platinum Credit Card at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Credit Union One Of Oklahoma Credit Union operate?
Credit Union One Of Oklahoma Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Credit Union One Of Oklahoma Credit Union?
Yes, to access services at Credit Union One Of Oklahoma Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Credit Union One Of Oklahoma Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Credit Union One Of Oklahoma Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Credit Union One Of Oklahoma Credit Union offer online and mobile banking?
Most modern institutions like Credit Union One Of Oklahoma Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cuoneok.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Credit Union One Of Oklahoma Credit Union rates compare?
Credit Union One Of Oklahoma Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A health rating. Credit Union One Of Oklahoma Credit Union's top rates are its 1 year IRA CD One Year at 2.78% APY, its SmartSaver Savings (Minor Savings) at 3.04% APY, its Money Market Checking at 0.30% APY, its SavvySpender Checking (Minor Checking) at 3.04% APY, its Storm Shelter Loans - Personal at 1.99% APR and its VISA Platinum Credit Card at 9.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Credit Union One Of Oklahoma Credit Union Rates
12-Month CD2.53%
18-Month CD2.53%
24-Month CD2.27%
Savings3.04%
MMA0.30%
Retrieved from our database of financial products. Rates subject to change.