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MCALESTER AAP Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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: March 28, 2026

You can compare MCALESTER AAP rates to other rates in our database, including 12-month share certificate rates currently at 2.50%, 6-month share certificate rates at 1.50% and 3-month share certificate rates at 0.25%. Savings rates are at 0.20% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates can be compared to MCALESTER AAP rates. MonitorBankRates evaluates the financial stability of MCALESTER AAP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.89%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.89%
Excellent Lower than avg
FNB of Sonora
McAlester AAP Federal Credit Union
1 C Tree Rd Bldg 3
McAlester, OK 74501 9002
Member NCUA

Current Rate Availability

We do not have MCALESTER AAP 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 MCALESTER AAP 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 MCALESTER AAP 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 MCALESTER AAP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MCALESTER AAP
Website
Address 1 C Tree Rd Bldg 3, McAlester, OK 74501 9002
Phone 918-420-6377
Fax 918-423-5781
President Jeff Dugan
CEO Cheryl Gentry
Full-Time Employees 4
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.89%
Return on Assets (ROA)
-0.2403%
Return on Equity (ROE)
-0.6493%
Non-Performing Loans Ratio (NPL)
2.79%
Total Assets
12,424,536
Total Amount of Shares and Deposits
7,814,238
Total Shares and Deposits < 1 Year
7,814,238
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
149,416
Total Uninsured Shares and Deposits > $250K (F+J)
149,416
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,664,822
Total Interest Expense (Sum of items 6 8)
35,581
Number of Accounts for Regular Shares
1,361
Net Income (unless the amount is already included in Undivided Earnings)
111,395
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,217,433
Total Liabilities
7,835,727
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About MCALESTER AAP

Is MCALESTER AAP a safe place to deposit money?

Yes, MCALESTER AAP is considered a safe financial institution. With a Texas Ratio of 3.8918529130725%, 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 MCALESTER AAP operate?

MCALESTER AAP 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 MCALESTER AAP?

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

Does MCALESTER AAP offer online and mobile banking?

Most modern institutions like MCALESTER AAP provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

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