What are the current interest rates at Tinker Federal Credit Union?

Current rates for Tinker Federal Credit Union include: 12-Month CD: 3.29%, 24-Month CD: 3.34%, 60-Month CD: 3.43%, MMA: 0.30%

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Tinker Federal Credit Union

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Tinker Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Tinker Federal Credit Union?

Yes, to access services at Tinker 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tinker Federal 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 18, 2026

Tinker Federal Credit Union's 60 Month CD (CD) / IRA rates are at 4.00%, 48 Month CD (CD) / IRA rates are at 3.96%, 24 Month CD (CD) / IRA rates are at 3.90%, 36 Month CD (CD) / IRA rates are at 3.90%, 60 Month CD (CD) / IRA rates are at 3.90%. Tinker Federal Credit Union's money market rates are at 0.30%. Tinker Federal Credit Union's Auto Loan Rates are as low as 3.99%. MonitorBankRates evaluates the financial stability of Tinker Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.56%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tinker Federal Credit Union
TFCU Corporate Office

715 Metropolitan Ave
Oklahoma City, OK 73108-2054

https://www.tinkerfcu.org

Tinker Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Term Share (Certificate) / IRA	3.93%	4.00%	60 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.89%	3.96%	48 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.84%	3.90%	24 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.84%	3.90%	36 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.83%	3.90%	60 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.83%	3.89%	60 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.79%	3.85%	48 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.79%	3.85%	48 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.83%	3.83%	60 Mo.
Min Balance $99,000 Details Balance: $99,000 - 60 Mo.; Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.74%	3.80%	24 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.74%	3.80%	24 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.74%	3.80%	36 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.74%	3.80%	36 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.73%	3.79%	60 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.73%	3.79%	60 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.70%	3.76%	12 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.69%	3.75%	48 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.69%	3.75%	48 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.64%	3.70%	24 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.64%	3.70%	24 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.64%	3.70%	36 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.64%	3.70%	36 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.63%	3.69%	60 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.63%	3.69%	60 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.60%	3.65%	12 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.60%	3.65%	9 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.59%	3.64%	48 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.59%	3.64%	48 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.53%	3.63%	60 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.55%	3.60%	6 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.54%	3.59%	24 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.54%	3.59%	24 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.54%	3.59%	36 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.54%	3.59%	36 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.50%	3.55%	12 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.50%	3.55%	9 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.49%	3.54%	48 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.48%	3.53%	60 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.45%	3.50%	6 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.44%	3.49%	24 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.44%	3.49%	36 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.44%	3.49%	48 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.40%	3.45%	12 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.40%	3.45%	9 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.39%	3.44%	24 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.39%	3.44%	36 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
60 Month Term Share (Certificate) / IRA	3.38%	3.43%	60 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 360 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	3.36%	3.41%	3 Mo.
Min Balance $99,000 Details Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.35%	3.40%	6 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
48 Month Term Share (Certificate) / IRA	3.34%	3.39%	48 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 300 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.30%	3.35%	9 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
24 Month Term Share (Certificate) / IRA	3.29%	3.34%	24 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
36 Month Term Share (Certificate) / IRA	3.29%	3.34%	36 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 240 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	3.26%	3.30%	3 Mo.
Min Balance $50,000 Details Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.25%	3.29%	12 Mo.
Min Balance $500 Details IRA ONLY; Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
12 Month Term Share (Certificate) / IRA	3.25%	3.29%	12 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 120 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.25%	3.29%	6 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	3.16%	3.20%	3 Mo.
Min Balance $25,000 Details Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.15%	3.19%	9 Mo.
Min Balance $500 Details IRA ONLY; Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
9 Month Term Share (Certificate) / IRA	3.15%	3.19%	9 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.10%	3.14%	6 Mo.
Min Balance $500 Details IRA ONLY; Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6 Month Term Share (Certificate) / IRA	3.10%	3.14%	6 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	3.06%	3.10%	3 Mo.
Min Balance $10,000 Details Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	2.91%	2.94%	3 Mo.
Min Balance $500 Details IRA ONLY; Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
3 Month Term Share (Certificate) / IRA	2.91%	2.94%	3 Mo.
Min Balance $1,000 Details Early Withdrawal Penalty: 60 Days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Tinker Federal Credit Union Money Market Rates

Product	Rate	APY
Command Fund	-	3.26%
Min Deposit $2,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Command Fund	0.50%	0.50%
Min Balance $2,000 Details Balance: $2,000 or More Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Command Fund	0.30%	0.30%
Min Balance $0 Details Balance up to $1,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Tinker Federal Credit Union Checking Rates

Product	Rate	APY
Click Checking	-	3.26%
Min Deposit $25 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Meeting all of the criteria for using TFCU's electronic services in any given month (log onto online and mobile banking, Pay minimum of one (1) bill using TFCU's BillPay Online, minimum of ten (10) MoneyPlus purchase transactions, sign up for e-Statements and e-Notices, minimum of one (1) direct deposit or automated payment) earns you the Click rate for the month, up to a maximum balance of $50,000. Dividends on any balance over $50,000 will be paid at a lower rate. If you don't meet the criteria in a given month, your total balance will earn a lower rate for that month. All rates attached to this account, including the Click rate, are variable and subject to change at any time, including after the account is opened. Only one Click Checking account per Taxpayer Identification Number (TIN) is allowed. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Heritage Club Checking	0.20%	0.20%
Min Deposit $0 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Tinker Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Repo Vehicle Loans	-	-	3.99%	60 Months
Details Fixed Rate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Auto Loans	-	-	5.74%	66 Months
Details Fixed Rate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

Tinker Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Base	0.05%	-	0.05%
Details If electronic standards are not met according to account disclosure. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Fixed dividend rate on balance of or less	2.00%	-	2.02%
Min Balance $25 Details $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
IRA Share	0.30%	-	0.30%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	2.08%	-	2.10%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.98%	-	2.00%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.83%	-	1.85%
Min Balance $200,000 Details Balance: $200,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.74%	-	1.75%
Min Balance $150,000 Details Balance: $150,000 to $199,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.49%	-	1.50%
Min Balance $100,000 Details Balance: $100,000 to $149,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.44%	-	1.45%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.24%	-	1.25%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.14%	-	1.15%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	1.00%	-	1.00%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Premium Plus	0.10%	-	0.10%
Min Balance $0 Details Balance: up to $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Save & Build Certificate	0.25%	-	0.25%
Min Balance $5 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Share Certificate	3.25%	-	3.29%
Min Balance $25 Details Minimum balance: $25 for share cert. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Starting Line Share Certificate	3.25%	-	3.29%
Min Balance $25 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
Variable dividend rate on	0.65%	-	0.65%
Min Balance $5,000 Details balance more than $5,000; Balance: $5,000.01 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tinker Federal Credit Union’s Texas Ratio stayed near 2.17% in Q2 2023 to 2.56% in Q1 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

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	$6.1B	2.56%	5.0	A+
December 31, 2025	$6.1B	3.50%	5.0	A+
September 30, 2025	$6.2B	2.82%	5.0	A+
June 30, 2025	$6.2B	3.16%	5.0	A+
March 31, 2025	$6.2B	3.49%	5.0	A+
December 31, 2024	$6.0B	4.66%	5.0	A+
September 30, 2024	$6.0B	3.85%	5.0	A+
June 30, 2024	$6.0B	3.80%	5.0	A+
March 31, 2024	$6.1B	3.98%	5.0	A+
December 31, 2023	$6.0B	3.87%	5.0	A+
September 30, 2023	$6.0B	3.39%	5.0	A+
June 30, 2023	$6.0B	2.17%	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 Tinker 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 Tinker 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 Tinker Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tinker Federal Credit Union

Website https://www.tinkerfcu.org

Address 715 Metropolitan Ave, Oklahoma City, OK 73108-2054

Phone 405-732-0324

Fax 405-443-2751

President Rodney Walker

CEO David Willis

Full-Time Employees 945

Part-Time Employees 102

Branch Locations 33

ATM Locations 31

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.56%

Return on Assets (ROA)

0.2319%

Return on Equity (ROE)

1.5974%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

6,131,469,970

Total Amount of Shares and Deposits

5,220,948,123

Total Shares and Deposits < 1 Year

5,009,969,171

Total Shares and Deposits 1 3 Years

154,694,216

Total Shares and Deposits > 3 Years

56,284,736

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

688,737,251

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

688,737,251

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

4,532,210,872

Total Interest Expense (Sum of items 6 8)

19,753,287

Share Certificates

24,369

Number of Accounts for Share Drafts

234,547

IRA KEOGH Accounts

13,544

Number of Accounts for Regular Shares

520,717

All other shares

1,482

Money Market Shares

44,312

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

14,216,989

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)

610,059,088

Total Liabilities

5,281,714,870

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

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Frequently Asked Questions About Tinker Federal Credit Union

How many branches does Tinker Federal Credit Union operate?

Tinker 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 Tinker Federal Credit Union?

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

Does Tinker Federal Credit Union offer online and mobile banking?

Most modern institutions like Tinker Federal 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.tinkerfcu.org.