Credit union · NCUA insured
Employees Federal Credit Union
A $48.1M credit union headquartered in Tulsa, OK, with 3,434 members and 3 branches in Oklahoma. Best rates: CDs 3.80% and savings 0.20% APY.
Employees Federal Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#16 of 44 in Tulsa, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Employees Federal Credit Union
Employees Federal Credit Union is a locally owned and operated not-for-profit financial cooperative headquartered in Tulsa, Oklahoma.
- Headquarters
- 1120 W 17th St, Tulsa, OK 74107
- NCUA charter
- 9715
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons within Downtown Tulsa (inside the perimeter of the IDL) are eligible for membership.
- Persons within East Tulsa are eligible for membership.
- Anyone who works or attends school in the Eastgate Metroplex is eligible for membership.
- Anyone who works, lives, worships, or attends school in West Tulsa area #1 is eligible for membership.
- Persons within West Tulsa area #2 are eligible for membership.
Employers and groups
- Employees and retirees of Tulsa Country Club, Goodwill, and A New Leaf are eligible for membership.
7 more ways to join
Employers and groups
- Employees and retirees of several other local businesses are eligible for membership.
- Employees and members of Southwest Tulsa Chamber of Commerce are eligible for membership.
Military, government and schools
- Employees and retirees of Tulsa County, Creek County, and Osage County Sheriff’s Office are eligible for membership.
- Employees and retirees of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa are eligible for membership.
- Employees and retirees of Tulsa Urban Renewal Authority, Tulsa City-County Library, and Tulsa City-County Civil Defense are eligible for membership.
- The City of Tulsa elected and appointed officials and employees/retirees of Tulsa Housing Authority are eligible for membership.
Family and household
- Family members (defined as spouse, children, stepchildren, grandchildren, parents, brothers, sisters, aunts, uncles, nieces, nephews, daughters-in-law, and sons-in-law) of eligible employees, retirees, and current members are eligible for membership.
Cost to join
- Membership requires a $25.00 deposit into a regular share account.
Branches
3 branches in Oklahoma
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Oklahoma
3 branches
- Employees Federal Credit UnionMain office1120 W 17th St, Tulsa, OK 74107Directions
- Golden Eagle585 N Memorial Dr, Tulsa, OK 74115Directions
- Tulsa County HQ218 W 6th St, Room 108, Tulsa, OK 74119Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.98% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio8.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.98%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.