Credit union · NCUA insured
Muskogee Federal Credit Union
Top CarrotA $111.7M credit union headquartered in Muskogee, OK, with 8,191 members and 3 branches in Oklahoma. Best rates: CDs 3.71% and savings 0.35% APY.
Muskogee Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#2 of 6 in Muskogee, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Muskogee Federal Credit Union
Muskogee Federal Credit Union originated on January 28, 1936, when an organizational meeting was held to establish a credit union for Veterans Administration Facility employees and their families.
Originally chartered as U.S. Veterans Facility Muskogee Federal Credit Union #946, the institution merged with Muskogee General Hospital Credit Union in 1984 and adopted its current name in January 1985.
In July 1998, it converted to a community charter serving persons who live, work, worship, or attend school in Muskogee and Cherokee counties.
- Headquarters
- 1910 W Shawnee St, Muskogee, OK 74401-2299
- NCUA charter
- 946
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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, worship, or attend school in Muskogee and Cherokee counties are eligible for membership.
Branches
3 branches in Oklahoma
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Oklahoma
3 branches
Muskogee area · 2
- Muskogee Federal Credit UnionMain office1910 W Shawnee St, Muskogee, OK 74401Directions
- Muskogee Federal Credit Union3502 Chandler Rd, Muskogee, OK 74403Directions
Tahlequah area · 1
- Muskogee Federal Credit Union4595 S Muskogee Ave, Tahlequah, OK 74464Directions
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 | 12.75% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.58% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $38 | $76 | — |
- CapitalNet worth ratio12.75%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.58%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$38Peers’ 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 Muskogee 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.