Credit union · NCUA insured
OU Federal Credit Union
A $80.5M credit union headquartered in Norman, OK, with 14,151 members and 2 branches in Oklahoma. Best rates: CDs 2.79% and savings 3.66% APY.
OU Federal Credit Union Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#30 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OU Federal Credit Union
Established in 1954 and based in Norman, Oklahoma, OU Federal Credit Union is a member-owned and controlled financial organization.
- Headquarters
- 2000 W Lindsey St, Norman, OK 73069
- NCUA charter
- 9335
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Directors, officers, employees, and volunteers of the credit union are eligible for membership.
- Paid members of the Financial Cents Literacy Club are eligible for membership.
- Paid members of the University of Oklahoma Alumni Association in Norman, Oklahoma are eligible for membership.
Military, government and schools
- Employees of the Oklahoma Geological Survey who work in Norman, Oklahoma are eligible for membership.
- Employees of the University of Oklahoma who work at any of its campuses in Norman, Oklahoma City, Tulsa, or at Cameron University in Lawton, Oklahoma are eligible for membership.
- Graduate, senior, junior, sophomore, and freshman students of the University of Oklahoma are eligible for membership.
6 more ways to join
Military, government and schools
- Federal employees of the Oklahoma Postal Training Operation who work in Norman, Oklahoma are eligible for membership.
- Military personnel assigned to the Air Force ROTC, Army ROTC, or Naval ROTC at the University of Oklahoma in Norman, Oklahoma are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
- Spouses of persons who were deceased while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners and/or annuitants from eligible employment or service are eligible for membership.
Branches
2 branches in Oklahoma
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Oklahoma
2 branches
- LindseyMain office2000 W Lindsey St, Norman, OK 73069Directions
- Union900 Asp Ave, Norman, OK 73019Directions
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 | 7.76% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio7.76%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ 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 OU 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.