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Fire Fighters Credit Union Rates & Review September 2026

Fire Fighters Credit Union's 6 Month Term CDs rates are at 2.12%. Fire Fighters Credit Union's Personal Loan Rates are as low as 11.50%. MonitorBankRates evaluates the financial stability of Fire Fighters Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.00%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.00%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Fire Fighters Credit Union
Main Branch
9200 E 41st St
Tulsa, OK 74145
https://firefighterscu.org
Member NCUA

Fire Fighters Credit Union CD Rates

Product Rate APY Term View More
6 Month Term Share Certificates 2.10% 2.12% 6 Month Term
Min Balance $500
Details Balance: $500-$94,999
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%

Fire Fighters Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New/Used Auto - - 4.74% 84 months
Details As low as; **84 month term limited to a loan balance greater than $20,000.00.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%

Fire Fighters Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New/Used Motorcycle Loan - 6.99% 72 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
New/Used Boat/RV Loan - 8.74% 120 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%

Fire Fighters Credit Union Personal Loan Rates

Product APR Term View More
Signature (unsecured) Loan 11.50% 60 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%

Fire Fighters Credit Union Other Rates

Product Rate Points APY/APR Term View More
Cadet Loans - - 5.00% 24 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
FFC-U Loan - - 7.25% 33 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Fire Station Loan - - 2.00% 60 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Line of Credit - - 13.90% Revolving
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Regular, Business and Estate Shares 0.30% - 0.30%
Min Balance $25
Details Balance: $25.00-$5,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Regular, Business and Estate Shares 0.45% - 0.45%
Min Balance $5,001
Details Balance: $5,001-$20,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Regular, Business and Estate Shares 0.55% - 0.55%
Min Balance $20,001
Details Balance: $20,001
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%
Share Draft 0.02% - 0.02%
Min Balance $100
Details Balance: $100 plus
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.00%

Financial Health History

Fire Fighters Credit Union’s Texas Ratio rose from 2.27% in Q2 2023 to 4.00% 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.

0% 1.0★ 1.8% 2.0★ 3.5% 3.0★ 5.3% 4.0★ 7% 5.0★ Healthy zone – entire history below the 15% limit 2.27% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 4.00% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$47M4.00%5.0A+
December 31, 2025$49M5.22%5.0A+
September 30, 2025$47M4.37%5.0A+
June 30, 2025$49M3.92%5.0A+
March 31, 2025$47M3.26%5.0A+
December 31, 2024$45M4.21%5.0A+
September 30, 2024$43M3.97%5.0A+
June 30, 2024$43M2.32%5.0A+
March 31, 2024$44M3.44%5.0A+
December 31, 2023$44M4.05%5.0A+
September 30, 2023$44M2.42%5.0A+
June 30, 2023$45M2.27%5.0A+
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 Fire Fighters 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 Fire Fighters 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 Fire Fighters Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fire Fighters Credit Union
Address 9200 E 41st St, Tulsa, OK 74145
Phone 918-582-1191
Fax 918-583-3609
President Gordon Gingrich
CEO Frances Reed
Full-Time Employees 9
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+ (98/100)
Texas Ratio
4.00%
Return on Assets (ROA)
0.2603%
Return on Equity (ROE)
1.3170%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
46,997,273
Total Amount of Shares and Deposits
36,167,496
Total Shares and Deposits < 1 Year
36,148,469
Total Shares and Deposits 1 3 Years
19,026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,153,705
Total Uninsured Shares and Deposits > $250K (F+J)
2,153,705
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,013,791
Total Interest Expense (Sum of items 6 8)
29,597
Share Certificates
29
Number of Accounts for Share Drafts
1,225
Number of Accounts for Regular Shares
2,725
All other shares
159
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)
7,235,063
Total Liabilities
37,708,086
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Fire Fighters 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Fire Fighters Credit Union

How many branches does Fire Fighters Credit Union operate?

Fire Fighters 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 Fire Fighters Credit Union?

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

Does Fire Fighters Credit Union offer online and mobile banking?

Most modern institutions like Fire Fighters 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://firefighterscu.org.