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iAdvertiser Disclosure
Advertiser Disclosure
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Oklahomas Credit Union 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.
Read Full Bio →
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 30, 2026
Oklahomas Credit Union's Promotional 13 Month CD rates are at 4.50%, 60 Month Standard CD rates are at 3.50%, Standard CD 60 Mo. rates are at 3.50%, 48 Month Standard CD rates are at 3.45%, Standard CD - 48 Mo. rates are at 3.45%. Oklahomas Credit Union's Promotional Adjustable Rate Mortgage (ARM) - 5/1 ARM rates are at 6.50%, Promotional ARM - 5/1 ARM rates are at 6.50%, 10/10 ARM rates are at 6.50%, 15/15 ARM rates are at 6.75%, Adjustable Rate Mortgage (ARM) - 15/15 ARM rates are at 6.75%. Oklahomas Credit Union's Auto Loan Rates are as low as 3.74%. Oklahomas Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Oklahomas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.36%. Rates last updated and verified on 10/30/2026. Oklahomas 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 Oklahomas Credit Union? Share your experience about Oklahomas Credit Union by leaving a review below, or read customer reviews before you decide to use Oklahomas Credit Union. Oklahomas Credit Union
Capitol - Headquarters 3001 N Lincoln Blvd
http://www.okcu.org Oklahoma City, OK 73105  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. Oklahomas Credit Union CD Rates
Oklahomas Credit Union Mortgage Rates
Oklahomas Credit Union Home Equity & HELOC
Oklahomas Credit Union Auto Loan Rates
Oklahomas Credit Union Other Rates
Financial Health HistoryOklahomas Credit Union’s Texas Ratio rose from 0.74% in Q4 2023 to 1.36% in Q2 2026, so its financial health has stayed very strong over the past 11 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 Oklahomas 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 Oklahomas 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 Oklahomas Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Oklahomas Credit Union
Website
http://www.okcu.org
Address
3001 N Lincoln Blvd,
Oklahoma City, OK 73105
Phone
405-606-6328
Fax
405-602-6337
President
Justin Jones
CEO
Luann Schmiedel
Full-Time Employees
149
Part-Time Employees
10
Branch Locations
8
ATM Locations
4
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
1.36%
Return on Assets (ROA)
0.4542%
Return on Equity (ROE)
3.5963%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
954,487,254
Total Amount of Shares and Deposits
762,616,565
Total Shares and Deposits < 1 Year
686,943,748
Total Shares and Deposits 1 3 Years
70,583,270
Total Shares and Deposits > 3 Years
5,089,546
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
85,134,708
Total Uninsured Shares and Deposits > $250K (F+J)
85,134,708
Total Insured Shares and Deposits > $250K (item 17 less item K)
677,481,857
Total Interest Expense (Sum of items 6 8)
10,087,266
Share Certificates
6,222
Number of Accounts for Share Drafts
23,224
IRA KEOGH Accounts
1,770
Number of Accounts for Regular Shares
62,967
Non Member Deposits
38
Money Market Shares
790
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)
30,183,032
Total Liabilities
846,355,625
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Oklahomas Credit UnionDoes Oklahomas Credit Union offer CDs?Yes. Oklahomas Credit Union current CD rates include its Promotional 13 Month CD at 4.50% APY, its 60 Month Standard CD at 3.50% APY and its Standard CD 60 Mo. at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Oklahomas Credit Union NCUA insured?Yes. Oklahomas Credit Union 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 Oklahomas Credit Union?The highest Oklahomas Credit Union CD rate is its 13 Month CD Special at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Oklahomas Credit Union offer?Oklahomas Credit Union CD rates are 3.25% APY for a 12 month CD, 4.50% APY for a 13 month CD, 3.35% APY for an 18 month CD, 3.35% APY for a 2 year CD, 3.45% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Oklahomas Credit Union for its full lineup. What is the lowest 30 year fixed mortgage rate at Oklahomas Credit Union?The lowest Oklahomas Credit Union 30 year fixed mortgage rate is its Fixed Mortgage - VA 30 Year Loan at 6.625%, verified by MonitorBankRates as of October 30, 2026. Oklahomas Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.25% for a 20 year mortgage, 7.00% for a 15 year mortgage, 6.50% for a 5/1 ARM, 6.50% for a 10/10 ARM and 6.75% for a 15/15 ARM. What is the lowest auto loan rate at Oklahomas Credit Union?The lowest Oklahomas Credit Union auto loan rate is its Auto Loan at 3.74% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Oklahomas Credit Union operate?Oklahomas 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 Oklahomas Credit Union?Yes, to access services at Oklahomas 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, Oklahomas 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, Oklahomas Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Oklahomas Credit Union offer online and mobile banking?Most modern institutions like Oklahomas 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: http://www.okcu.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 Oklahomas Credit Union rates compare?Oklahomas Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Oklahomas Credit Union's top rates are its 13 Month CD Special at 4.50% APY, its Promotional Adjustable Rate Mortgage (ARM) - 5/1 ARM at 6.50% and its Auto Loan at 3.74% APR, verified by MonitorBankRates on October 30, 2026. Current Oklahomas Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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