Credit union · NCUA insured
MECU
A $191.4M credit union headquartered in Oklahoma City, OK, with 9,676 members and 4 branches in Oklahoma. Best rates: CDs 3.82% and savings 0.15% APY.
MECU Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#20 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MECU
Established in 1934 as a dedicated credit union by OKC municipal employees, MECU began in the basement of the downtown Civic Center.
MECU serves anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Pottawatomie, Canadian, Lincoln, McClain, Grady, or Logan County.
- Headquarters
- 101 N Walker Ave, Oklahoma City, OK 73102-2229
- NCUA charter
- 65503
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Pottawatomie, Canadian, Lincoln, McClain, Grady, or Logan County.
Branches
4 branches in Oklahoma
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Oklahoma
4 branches
- DowntownMain office101 N Walker Ave, Oklahoma City, OK 73102Directions
- Mecu North Edmond6801 W Memorial Rd, Unit H, Oklahoma City, OK 73142Directions
- Mecu South8812 S Walker Ave, Oklahoma City, OK 73139Directions
- Downtown Drive Thru616 Colcord Dr, Ste 101, Oklahoma City, OK 73102Directions
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 | 8.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio8.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 MECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.