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 Municipal Employees Credit Union of Oklahoma City Rates & Review November 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.
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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 and Verified: October 29, 2026
Municipal Employees Credit Union of Oklahoma City's 11 Month CD rates are at 3.80%, 12 Month CD rates are at 3.80%, 15 Month CD rates are at 3.80%, 18 Month CD rates are at 3.80%, 6 Month CD rates are at 3.80%. Municipal Employees Credit Union of Oklahoma City's savings rates are at 0.25%. Municipal Employees Credit Union of Oklahoma City's money market rates are at 0.15%. Municipal Employees Credit Union of Oklahoma City's checking rates are as high as 1.01%. Municipal Employees Credit Union of Oklahoma City's Personal Loan Rates are as low as 9.25%. Municipal Employees Credit Union of Oklahoma City's Credit Card Rates are at 10.99%. Municipal Employees Credit Union of Oklahoma City's CD rates are 21% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Municipal Employees Credit Union of Oklahoma City with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates last updated and verified on 10/29/2026. Municipal Employees Credit Union of Oklahoma City 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 Municipal Employees Credit Union of Oklahoma City? Share your experience about Municipal Employees Credit Union of Oklahoma City by leaving a review below, or read customer reviews before you decide to use Municipal Employees Credit Union of Oklahoma City. Municipal Employees Credit Union of Oklahoma City
MECU-DOWNTOWN 101 N WALKER AVE
https://www.mecuokc.org OKLAHOMA CITY, OK 73102-2229  Customer Reviews
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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. Municipal Employees Credit Union of Oklahoma City CD Rates
Municipal Employees Credit Union of Oklahoma City Savings Rates
Municipal Employees Credit Union of Oklahoma City Money Market Rates
Municipal Employees Credit Union of Oklahoma City Checking Rates
Municipal Employees Credit Union of Oklahoma City Auto Loan Rates
Municipal Employees Credit Union of Oklahoma City RV, Boat and Powersport Loan Rates
Municipal Employees Credit Union of Oklahoma City Credit Card Rates
Municipal Employees Credit Union of Oklahoma City Personal Loan Rates
Municipal Employees Credit Union of Oklahoma City Other Rates
Financial Health HistoryMunicipal Employees Credit Union of Oklahoma City’s Texas Ratio rose from 0.64% in Q3 2023 to 1.47% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Municipal Employees Credit Union of Oklahoma City 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 Municipal Employees Credit Union of Oklahoma City 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 Municipal Employees Credit Union of Oklahoma City's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Municipal Employees Credit Union of Oklahoma City
Website
https://www.mecuokc.org
Address
101 N WALKER AVE,
OKLAHOMA CITY, OK 73102-2229
Phone
405-813-5500
Fax
405-813-3019
President
WILEY WILLIAMS
CEO
JOHN CUMMINGS
Full-Time Employees
35
Part-Time Employees
6
Branch Locations
4
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
1.47%
Return on Assets (ROA)
0.1557%
Return on Equity (ROE)
1.7707%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
190,488,580
Total Amount of Shares and Deposits
172,267,554
Total Shares and Deposits < 1 Year
161,271,382
Total Shares and Deposits 1 3 Years
9,871,880
Total Shares and Deposits > 3 Years
1,124,293
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,729,983
Total Uninsured Shares and Deposits > $250K (F+J)
25,729,983
Total Insured Shares and Deposits > $250K (item 17 less item K)
146,537,571
Total Interest Expense (Sum of items 6 8)
1,458,895
Share Certificates
976
Number of Accounts for Share Drafts
5,522
IRA KEOGH Accounts
295
Number of Accounts for Regular Shares
10,115
Non Member Deposits
23
Money Market Shares
136
Net Income (unless the amount is already included in Undivided Earnings)
296,580
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)
33,360,267
Total Liabilities
173,739,692
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Municipal Employees Credit Union of Oklahoma CityDoes Municipal Employees Credit Union of Oklahoma City offer CDs?Yes. Municipal Employees Credit Union of Oklahoma City current CD rates include its 11 Month CD at 3.80% APY, its 12 Month CD at 3.80% APY and its 15 Month CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Municipal Employees Credit Union of Oklahoma City NCUA insured?Yes. Municipal Employees Credit Union of Oklahoma City 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 Municipal Employees Credit Union of Oklahoma City?The highest Municipal Employees Credit Union of Oklahoma City CD rate is its 11 Month CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Municipal Employees Credit Union of Oklahoma City offer?Municipal Employees Credit Union of Oklahoma City CD rates are 3.80% APY for a 6 month CD, 3.80% APY for an 11 month CD, 3.80% APY for a 12 month CD, 3.80% APY for a 15 month CD, 3.80% APY for an 18 month CD, 1.00% APY for a 2 year CD and 1.31% APY for a 5 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 Municipal Employees Credit Union of Oklahoma City for its full lineup. What is the highest savings rate at Municipal Employees Credit Union of Oklahoma City?The highest Municipal Employees Credit Union of Oklahoma City savings rate is its Gold Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Municipal Employees Credit Union of Oklahoma City?The highest Municipal Employees Credit Union of Oklahoma City money market rate is its Tiered Money Market at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Municipal Employees Credit Union of Oklahoma City?The highest Municipal Employees Credit Union of Oklahoma City checking rate is its Super Checking at 1.01% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Municipal Employees Credit Union of Oklahoma City?The lowest Municipal Employees Credit Union of Oklahoma City auto loan rate is its New & Used Vehicle Loans at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Municipal Employees Credit Union of Oklahoma City?The lowest Municipal Employees Credit Union of Oklahoma City personal loan rate is its Personal Loans at 9.25% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Municipal Employees Credit Union of Oklahoma City?The lowest Municipal Employees Credit Union of Oklahoma City credit card APR is its VISA Credit Card at 10.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Municipal Employees Credit Union of Oklahoma City operate?Municipal Employees Credit Union of Oklahoma City 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 Municipal Employees Credit Union of Oklahoma City?Yes, to access services at Municipal Employees Credit Union of Oklahoma City, 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, Municipal Employees Credit Union of Oklahoma City 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, Municipal Employees Credit Union of Oklahoma City provides members with tools to manage their accounts and build a solid financial history. Does Municipal Employees Credit Union of Oklahoma City offer online and mobile banking?Most modern institutions like Municipal Employees Credit Union of Oklahoma City 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.mecuokc.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 Municipal Employees Credit Union of Oklahoma City rates compare?Municipal Employees Credit Union of Oklahoma City's CD rates are 21% lower than the MonitorBankRates national average, and it has an A+ health rating. Municipal Employees Credit Union of Oklahoma City's top rates are its 11 Month CD at 3.80% APY, its Gold Savings at 0.25% APY, its Tiered Money Market at 0.15% APY, its Super Checking at 1.01% APY, its Personal Loans at 9.25% APR and its VISA Credit Card at 10.99% APR, verified by MonitorBankRates on October 29, 2026. Current Municipal Employees Credit Union of Oklahoma City Rates
Retrieved from our database of financial products. Rates subject to change.
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