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GROWING OAKS

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GROWING OAKS Rates & Review March 2026

Q: How many branches does GROWING OAKS operate?

GROWING OAKS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join GROWING OAKS?

Yes, to access services at GROWING OAKS, 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.

Q: Is there a first-time homebuyer program?

Currently, GROWING OAKS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GROWING OAKS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare GROWING OAKS rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 4.10% and 3-month share certificate rates at 0.05%. Savings rates are at 0.03% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 5.94%. All these rates can be compared to GROWING OAKS rates. MonitorBankRates evaluates the financial stability of GROWING OAKS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates were last updated on 03/29/2026.

GROWING OAKS 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 GROWING OAKS? Share your experience about GROWING OAKS by leaving a review below, or read customer reviews before you decide to use GROWING OAKS.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.33%

Excellent Lower than avg

Uwharrie Bank
Main Office

299 Industrial Blvd
Goldsby, OK 73093

http://growingoaksfcu.com

Current Rate Availability

We do not have GROWING OAKS rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for GROWING OAKS 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 GROWING OAKS 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 GROWING OAKS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GROWING OAKS

Website http://growingoaksfcu.com

Address 299 Industrial Blvd, Goldsby, OK 73093

Phone 405-652-0480

Fax 405-652-0479

President Paul Moore

CEO Pamela Greening

Full-Time Employees 3

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.33%

Return on Assets (ROA)

1.6000%

Return on Equity (ROE)

13.3864%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

3,912,019

Total Amount of Shares and Deposits

3,429,353

Total Shares and Deposits < 1 Year

2,089,774

Total Shares and Deposits 1 3 Years

256,584

Total Shares and Deposits > 3 Years

1,082,995

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

825,524

Total Uninsured Shares and Deposits > $250K (F+J)

825,524

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,603,829

Total Interest Expense (Sum of items 6 8)

33,933

Share Certificates

Number of Accounts for Share Drafts

288

Number of Accounts for Regular Shares

478

Net Income (unless the amount is already included in Undivided Earnings)

62,594

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

783,901

Total Liabilities

3,444,424

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About GROWING OAKS

Is GROWING OAKS a safe place to deposit money?

Yes, GROWING OAKS is considered a safe financial institution. With a Texas Ratio of 1.3349158994429%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does GROWING OAKS operate?

GROWING OAKS 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 GROWING OAKS?

Yes, to access services at GROWING OAKS, 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, GROWING OAKS 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, GROWING OAKS provides members with tools to manage their accounts and build a solid financial history.

Does GROWING OAKS offer online and mobile banking?

Most modern institutions like GROWING OAKS 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: http://growingoaksfcu.com.