|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Encentus Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 9, 2026
Encentus Federal Credit Union's top rates as of October 9, 2026 are 4.08% APY on its Jumbo CD 12 month, 0.45% APY on savings, personal loans from 11.40% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Encentus Federal Credit Union CD rates include 6 Month IRA CD at 3.82%, Jumbo CD 18 month at 3.82%, and 12 Month IRA CD at 3.56%. MonitorBankRates evaluates the financial stability of Encentus Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Rates last updated and verified on 10/09/2026. Encentus Federal 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 Encentus Federal Credit Union? Share your experience about Encentus Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Encentus Federal Credit Union. Encentus Federal Credit Union
Main Office 1320 S Lewis Ave
https://www.encentusfcu.org Tulsa, OK 74104-4205  Customer Reviews
Be the first to review
Write a Review
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. Encentus Federal Credit Union CD Rates
Encentus Federal Credit Union Savings Rates
Encentus Federal Credit Union Auto Loan Rates
Encentus Federal Credit Union RV, Boat and Powersport Loan Rates
Encentus Federal Credit Union Credit Card Rates
Encentus Federal Credit Union Personal Loan Rates
Encentus Federal Credit Union Other Rates
Financial Health HistoryEncentus Federal Credit Union’s Texas Ratio fell from 7.49% in Q3 2023 to 1.13% in Q2 2026, so its financial health has improved and is now very strong 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Encentus Federal 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 Encentus Federal 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 Encentus Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Encentus Federal Credit Union
Website
https://www.encentusfcu.org
Address
1320 S Lewis Ave,
Tulsa, OK 74104-4205
Phone
918-430-3500
Fax
918-430-3510
President
Shelley Ramsey
CEO
Kim Patrick
Full-Time Employees
9
Part-Time Employees
0
Branch Locations
1
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.13%
Return on Assets (ROA)
0.0900%
Return on Equity (ROE)
0.5278%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
21,399,556
Total Amount of Shares and Deposits
17,790,176
Total Shares and Deposits < 1 Year
17,665,332
Total Shares and Deposits 1 3 Years
124,844
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
196,097
Total Uninsured Shares and Deposits > $250K (F+J)
196,097
Total Insured Shares and Deposits > $250K (item 17 less item K)
17,594,079
Total Interest Expense (Sum of items 6 8)
41,711
Share Certificates
78
Number of Accounts for Share Drafts
1,471
IRA KEOGH Accounts
109
Number of Accounts for Regular Shares
3,741
All other shares
12
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)
4,615,481
Total Liabilities
17,751,435
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Encentus Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Encentus Federal Credit Union
Frequently Asked Questions About Encentus Federal Credit UnionHow many branches does Encentus Federal Credit Union operate?Encentus Federal 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 Encentus Federal Credit Union?Yes, to access services at Encentus Federal 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, Encentus Federal 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, Encentus Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Encentus Federal Credit Union offer online and mobile banking?Most modern institutions like Encentus Federal 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.encentusfcu.org. Current Encentus Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
InRoads Federal Credit Union
Montana Educators Credit Union
University of South Alabama Federal Credit Union
One Vision Federal Credit Union
Knoxville TVA Employees Credit Union
UP Employees Federal Credit Union
Metropolitan Services Credit Union
Sage Credit Union
Star Of Texas Credit Union
Combined Employees Credit Union
Notre Dame Community Federal Credit Union
Tex Mex Credit Union
The First Financial Federal Credit Union
Pheple Federal Credit Union
Kone Employees Credit Union
New Orleans Police Department Employees Credit Union
Allegany First Federal Credit Union
Visions Federal Credit Union
Planters Federal Credit Union
Novation Credit Union
Upstate Milk Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
