GROWING OAKS Rates and Review March 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.
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GROWING OAKS 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 GROWING OAKS? Share your experience about by leaving a review below, or read customer reviews before you decide to use . GROWING OAKS Texas RatioGROWING OAKS's Texas Ratio is at 1.33%, which is considered excellent. The Texas Ratio for GROWING OAKS is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that GROWING OAKS has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
GROWING OAKS has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, GROWING OAKS is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
GROWING OAKS has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/07/2026 
Current Rate AvailabilityWe do not have GROWING OAKS rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for GROWING OAKS 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 GROWING OAKS 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 GROWING OAKS's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: GROWING OAKS
Website: http://growingoaksfcu.com
Full Time Employees: 3Part Time Employees: 2 President: Paul Moore CEO: Pamela Greening Branch Locations: 2 ATM Locations: 1 Corporate Office Address:
299 Industrial Blvd
Goldsby, OK 73093 Phone Number: 405-652-0480 Fax Number: 405-652-0479 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
1.33%
Return on Assets (ROA):
1.6000%
Return on Equity (ROE):
13.3864%
Non-Performing Loans Ratio (NPL):
0.23%
Total Assets:
3,912,019
Total Amount of Shares and Deposits:
3,429,353
Total Shares and Deposits < 1 Year:
2,089,774
Total Shares and Deposits 1 3 Years:
256,584
Total Shares and Deposits > 3 Years:
1,082,995
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
825,524
Total Uninsured Shares and Deposits > $250K (F+J):
825,524
Total Insured Shares and Deposits > $250K (item 17 less item K):
2,603,829
Total Interest Expense (Sum of items 6 8):
33,933
Share Certificates:
21
Number of Accounts for Share Drafts:
288
Number of Accounts for Regular Shares:
478
Net Income (unless the amount is already included in Undivided Earnings):
62,594
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
783,901
Total Liabilities:
3,444,424
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About GROWING OAKSIs a member application needed to join GROWING OAKS?Yes, to access services at GROWING OAKS, a member application is required. Is there a first-time homebuyer program?Currently, GROWING OAKS provides a range of mortgage and home equity products. Is GROWING OAKS a safe place to deposit money?Yes, GROWING OAKS is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does GROWING OAKS offer online and mobile banking?Most modern institutions like GROWING OAKS provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare GROWING OAKS rates to other rates in our database, including 12-month share certificate rates currently at 3.35%, 6-month share certificate rates at 1.78% and 3-month share certificate rates at 1.26%. Savings rates are at 0.07% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates, and more, can be found in our database of rates which you can compare to 
