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Oak Farms Employees Credit Union

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Oak Farms Employees Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oak Farms Employees Credit Union 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 and Verified: September 23, 2026

Oak Farms Employees Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of Oak Farms Employees Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.03%. Rates last updated and verified on 09/23/2026.

Oak Farms Employees 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 Oak Farms Employees Credit Union? Share your experience about Oak Farms Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Oak Farms Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.03%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Oak Farms Employees Credit Union
Main Office

3430 Leeland St
Houston, TX 77003

https://www.ofecu.com

Oak Farms Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Car Loans	-	-	5.50%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.03%
Used Car Loans	-	-	6.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.03%

Oak Farms Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Oak Farms Employees Credit Union’s Texas Ratio rose from 3.41% in Q2 2023 to 13.03% in Q1 2026, so its financial health has weakened 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4M	13.03%	5.0	A
December 31, 2025	$4M	12.62%	5.0	A
September 30, 2025	$4M	6.44%	5.0	A
June 30, 2025	$4M	5.52%	5.0	A+
March 31, 2025	$4M	5.56%	5.0	A+
December 31, 2024	$4M	6.28%	5.0	A
September 30, 2024	$4M	4.31%	5.0	A+
June 30, 2024	$4M	5.66%	5.0	A+
March 31, 2024	$4M	0.26%	5.0	A+
December 31, 2023	$4M	0.58%	5.0	A+
September 30, 2023	$4M	4.76%	5.0	A+
June 30, 2023	$4M	3.41%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Oak Farms Employees 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 Oak Farms Employees 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 Oak Farms Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oak Farms Employees Credit Union

Website https://www.ofecu.com

Address 3430 Leeland St, Houston, TX 77003

Phone 713-547-7118

Fax 713-223-1321

President Kimberly Mishoe

CEO Sophia Salinas

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 2

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 (93/100)

Texas Ratio

13.03%

Return on Assets (ROA)

-0.1168%

Return on Equity (ROE)

-0.4279%

Non-Performing Loans Ratio (NPL)

5.85%

Total Assets

4,182,237

Total Amount of Shares and Deposits

3,035,260

Total Shares and Deposits < 1 Year

3,035,260

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

117,723

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

117,723

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

2,917,537

Total Interest Expense (Sum of items 6 8)

6,030

Share Certificates

Number of Accounts for Share Drafts

118

Number of Accounts for Regular Shares

747

All other shares

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

-4,884

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)

794,877

Total Liabilities

3,040,896

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Oak Farms Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Oak Farms Employees Credit Union

How many branches does Oak Farms Employees Credit Union operate?

Oak Farms Employees 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 Oak Farms Employees Credit Union?

Yes, to access services at Oak Farms Employees 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, Oak Farms Employees 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, Oak Farms Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Oak Farms Employees Credit Union offer online and mobile banking?

Most modern institutions like Oak Farms Employees 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.ofecu.com.