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Morning Star Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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: April 23, 2026

You can compare Morning Star Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.40%. Savings rates are at 0.40% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Morning Star Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Morning Star Federal Credit Union with a 4.2 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 24.91%. Rates were last updated on 04/23/2026.

Morning Star 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 Morning Star Federal Credit Union? Share your experience about Morning Star Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Morning Star Federal Credit Union.

Overall Health & Safety Grade ?
C+
Fair Health Score: 79/100
MonitorBankRates Rating ?
4.2
Excellent Out of 5.0 Stars
Texas Ratio ?
24.91%
Good Higher than avg
Morning Star Federal Credit Union
Morning Star Federal Credit Union
1014 E Pine St
Tulsa, OK 74106 4957
Member NCUA

Current Rate Availability

We do not have Morning Star Federal Credit Union 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 Morning Star 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 Morning Star 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 Morning Star Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Morning Star Federal Credit Union
Website
Address 1014 E Pine St, Tulsa, OK 74106 4957
Phone 918-582-9422
Fax 918-582-7095
President Carl Bracy
CEO Sandra Ferguson
Full-Time Employees 0
Part-Time Employees 2
Branch Locations 3
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.2 / 5.0 ★
Overall Health & Safety Grade
C+ (79/100)
Texas Ratio
24.91%
Return on Assets (ROA)
0.5338%
Return on Equity (ROE)
7.4640%
Non-Performing Loans Ratio (NPL)
3.70%
Total Assets
1,006,163
Total Amount of Shares and Deposits
934,204
Total Shares and Deposits < 1 Year
924,347
Total Shares and Deposits 1 3 Years
9,857
Total Insured Shares and Deposits > $250K (item 17 less item K)
934,204
Total Interest Expense (Sum of items 6 8)
18,650
Share Certificates
11
Number of Accounts for Regular Shares
403
Net Income (unless the amount is already included in Undivided Earnings)
4,972
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
269,858
Total Liabilities
934,204
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Morning Star Federal Credit Union yet. Feel free to create one below.
Average Rating
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Total Reviews
0
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Frequently Asked Questions About Morning Star Federal Credit Union

Is Morning Star Federal Credit Union a safe place to deposit money?

Yes, Morning Star Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 24.908935076066%, the institution's financial health is rated as stable. 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 Morning Star Federal Credit Union operate?

Morning Star 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 Morning Star Federal Credit Union?

Yes, to access services at Morning Star 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, Morning Star 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, Morning Star Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Morning Star Federal Credit Union offer online and mobile banking?

Most modern institutions like Morning Star Federal Credit Union 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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