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Fort Sill Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 9, 2026

Fort Sill Federal Credit Union's top rates as of October 9, 2026 are 2.99% APY on its IRA CDS / CDS - 1 Year CD, 0.25% APY on savings, 2.27% APY on checking, and personal loans from 6.99% APR, according to rates verified by MonitorBankRates. Other Fort Sill Federal Credit Union CD rates include IRA CDS / CDS - 2 Year at 2.89%, IRA CDS / CDS - 3 Year at 2.79%, and IRA CDS / CDS - 6 Month at 2.79%. MonitorBankRates evaluates the financial stability of Fort Sill Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.98%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
3.98%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Fort Sill Federal Credit Union
Headquarter's Branch
1614 NW 67th St
Lawton, OK 73505-2725
https://www.fsfcu.com
Member NCUA
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.

Fort Sill Federal Credit Union CD Rates

Product Rate APY Term View More
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 1 Year 2.95% 2.99% 1 Year
Min Balance $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 3 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 2 Year 2.85% 2.89% 2 Year
Min Balance $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 3 Year 2.75% 2.79% 3 Year
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 6 Month 2.75% 2.79% 6 Month
Min Balance $2,500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 4 Year 2.65% 2.68% 4 Year
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Sep 14, 2026: 2.68% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 5 Year 2.55% 2.58% 5 Year
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 3 times
2.08%2.58%3.08%Sep 14, 2026: 2.58% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.25% 0.25%
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Milestone Youth Savings 0.25% 0.25%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Share (Traditional Savings) 0.25% 0.25%
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union Checking Rates

Product Rate APY View More
PREMIUM Plus Checking 2.25% 2.27%
Min Balance $0
Details Balance: $.01 to $25,000; Spending Level: $1000 or greater
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PREMIUM Plus Checking 1.50% 1.51%
Min Balance $0
Details Balance: $.01 to $25,000; Spending Level: $500.00 to $999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PREMIUM Plus Checking 1.00% 1.00%
Min Balance $0
Details Balance: $.01 to $25,000; Spending Level: $100 to $499.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PREMIUM Plus Checking 0.10% 0.10%
Min Balance $0
Details Balance: $.01 to $25,000; Spending Level: $0.00 to $99.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PREMIUM Plus Checking 0.05% 0.05%
Min Balance $25,000
Details Balance: over $25,000
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 5, 2026: 0.05% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PREMIUM Plus Checking 0.03% 0.03%
Details Qualifications Required: Qualifications Required; qualifications not met
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New cars up to MSRP Loan - - 5.24% 60 months
Details As Low As; Rate: 5.24% APR to 18.00% APR. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply. With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount and year of collateral. Maximum vehicle mileage not to exceed 80k for loan term listed.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 5, 2026: 5.24% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
New/Used Vehicles (2024-2026) Loan - - 5.24% (up to) 84 months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used cars up to NADA retail Loan - - 5.24% 60 months
Details As Low As; Rate: 5.24% APR to 18.00% APR. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply. With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount and year of collateral. Maximum vehicle mileage not to exceed 80k for loan term listed.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 6.54% → 5.24% ▼ 1.30 pts · high 6.54% / low 5.24%
3.94%5.89%7.84%Oct 5, 2026: 6.54% APROct 9, 2026: 5.24% APROct 5, 2026Oct 13, 2026
  • Oct 9, 20265.24%▼ from 6.54%
  • Oct 5, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used Vehicles (2021-2023) Loan - - 5.39% (up to) 84 months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 9, 2026: 5.39% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used Vehicles (2017-2020) Loan - - 7.09% (up to) 75 months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.09% APR
6.59%7.09%7.59%Oct 9, 2026: 7.09% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Older Used Vehicles (2016 & Older) Loan - - 8.74% (up to) 60 months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.74% APR
8.24%8.74%9.24%Oct 9, 2026: 8.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loans - 6.54% 60 months
Details As Low As; Rate: 6.54% APR to 16.54% APR. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply. With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount and year of collateral. Maximum vehicle mileage not to exceed 80k for loan term listed.
Last Updated 10/09/2026
Rate History
1 change since Sep 28, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 28, 2026: 7.04% APROct 5, 2026: 6.54% APRSep 28, 2026Oct 13, 2026
  • Oct 5, 20266.54%▼ from 7.04%
  • Sep 28, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Motor Home / Travel Trailer Loans - 6.54% 60 months
Details As Low As; Rate: 6.54% APR to 16.54% APR. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. All loans are subject to approval. Other restrictions may apply. With approved credit. Rate & term dependent on credit score. Terms may vary based on loan amount and year of collateral. Maximum vehicle mileage not to exceed 80k for loan term listed.
Last Updated 10/09/2026
Rate History
1 change since Sep 28, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 28, 2026: 7.04% APROct 5, 2026: 6.54% APRSep 28, 2026Oct 13, 2026
  • Oct 5, 20266.54%▼ from 7.04%
  • Sep 28, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
New Boat 100% Retail Loan - 6.54% up to 96 months
Details As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 7.04% APROct 5, 2026: 6.54% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.54%▼ from 7.04%
  • Sep 14, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
New Motor Home/Travel Trailer 100% Retail Loan - 6.54% 144 months
Details As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 7.04% APROct 9, 2026: 6.54% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.54%▼ from 7.04%
  • Sep 14, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
New Motorcycle 100% Retail Loan - 6.54% up to 84 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.04% → 6.54% ▼ 0.50 pts · high 7.04% / low 6.54%
6.04%6.79%7.54%Sep 14, 2026: 7.04% APROct 5, 2026: 6.54% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.54%▼ from 7.04%
  • Sep 14, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used Boat 100% Retail/NADA Loan - 6.74% up to 84 months
Details As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.29% → 6.74% ▼ 0.55 pts · high 7.29% / low 6.74%
6.19%7.02%7.84%Sep 14, 2026: 7.29% APROct 5, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.74%▼ from 7.29%
  • Sep 14, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used Motor Home/Travel Trailer 100% Retail/NADA Loan - 6.74% 144 months
Details As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.29% → 6.74% ▼ 0.55 pts · high 7.29% / low 6.74%
6.19%7.02%7.84%Sep 14, 2026: 7.29% APROct 9, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.74%▼ from 7.29%
  • Sep 14, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Used Motorcycle 100% Retail/NADA Loan - 6.74% up to 84 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.29% → 6.74% ▼ 0.55 pts · high 7.29% / low 6.74%
6.19%7.02%7.84%Sep 14, 2026: 7.29% APROct 5, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.74%▼ from 7.29%
  • Sep 14, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal "Whatever" Loan 6.99% (up to) 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%

Fort Sill Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
"Whatever" Loan - - 6.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 4 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Consolidate Active Revolving Expenses Loan (C.A.R.E) - - 13.50% 48 months
Details up to $5,000
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 13.50% APR · checked 7 times
13.00%13.50%14.00%Sep 17, 2026: 13.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Consolidate Active Revolving Expenses Loan (C.A.R.E) to $10,000 - - 13.50% 60 months
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 13.50% APR · checked 5 times
13.00%13.50%14.00%Sep 17, 2026: 13.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Fast Cash Line of Credit - - 12.15%
Details Payment is 3.50% of Unpaid Balance
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.15% APR · checked 8 times
11.65%12.15%12.65%Sep 14, 2026: 12.15% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PAL Loan - - 18.00%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 8 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Payday Alternative Loan (PAL) - - 18.00% (up to) 6 months
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 6 times
17.50%18.00%18.50%Sep 18, 2026: 18.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
PCS Loan - - 5.00% (up to) 12 months
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Plan 6 Platinum Loan - - 9.00%
Details Grace Period: 25 Days; Fee: No Annual Fee
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 8 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
Storm Shelter Loan - - 3.95% (up to) 48 months
Details Published APR range: 3.95% - 11.45%.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.95% APR · checked 2 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
IRA 0.85% - 0.85%
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.98%
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.
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Financial Health History

Fort Sill Federal Credit Union’s Texas Ratio fell from 6.84% in Q3 2023 to 3.98% in Q2 2026, so its financial health has improved and is now very strong 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.84% 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 A+ Q1 2026 3.98% A+ Q2 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
June 30, 2026$394M3.98%5.0A+
March 31, 2026$395M5.82%5.0A+
December 31, 2025$386M7.83%5.0A
September 30, 2025$385M6.99%5.0A
June 30, 2025$385M7.51%5.0A
March 31, 2025$386M8.21%5.0A
December 31, 2024$371M8.61%5.0A
September 30, 2024$371M8.25%5.0A
June 30, 2024$372M9.10%5.0A
March 31, 2024$376M8.97%5.0A
December 31, 2023$370M8.28%5.0A
September 30, 2023$368M6.84%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 Fort Sill 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 Fort Sill 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 Fort Sill Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fort Sill Federal Credit Union
Website https://www.fsfcu.com
Address 1614 NW 67th St, Lawton, OK 73505-2725
Phone 580-353-2124
Fax 580-536-0183
President Dennis Porter
CEO Jayson Sims
Full-Time Employees 83
Part-Time Employees 4
Branch Locations 4
ATM Locations 4
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
3.98%
Return on Assets (ROA)
0.4051%
Return on Equity (ROE)
3.5010%
Non-Performing Loans Ratio (NPL)
1.12%
Total Assets
394,238,465
Total Amount of Shares and Deposits
352,106,895
Total Shares and Deposits < 1 Year
349,265,805
Total Shares and Deposits 1 3 Years
2,271,821
Total Shares and Deposits > 3 Years
569,269
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,009,401
Total Uninsured Shares and Deposits > $250K (F+J)
21,009,401
Total Insured Shares and Deposits > $250K (item 17 less item K)
331,097,494
Total Interest Expense (Sum of items 6 8)
750,477
Share Certificates
747
Number of Accounts for Share Drafts
15,809
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
26,385
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)
27,828,914
Total Liabilities
353,178,239
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Fort Sill Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Fort Sill Federal Credit Union

How many branches does Fort Sill Federal Credit Union operate?

Fort Sill 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 Fort Sill Federal Credit Union?

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

Does Fort Sill Federal Credit Union offer online and mobile banking?

Most modern institutions like Fort Sill 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.fsfcu.com.

Current Fort Sill Federal Credit Union Rates

  • 12-Month CD2.99%
  • 24-Month CD2.89%
  • 60-Month CD2.58%
  • Savings0.25%
Retrieved from our database of financial products. Rates subject to change.

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