Credit union · NCUA insured
Southwest Oklahoma Federal Credit Union
A $117.3M credit union headquartered in Lawton, OK, with 4,851 members and 1 branch in Oklahoma. Best rates: CDs 3.35% and savings 0.25% APY.
Southwest Oklahoma Federal Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#8 of 11 in Lawton, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southwest Oklahoma Federal Credit Union
Southwest Oklahoma Federal Credit Union has been serving the financial needs of its members and neighbors since 1958.
- Headquarters
- 1806 NW Liberty Ave, Lawton, OK 73507
- NCUA charter
- 12271
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This may be incomplete or out of date, so check with the credit union before you apply.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 Caddo, Comanche, Cotton, Kiowa, Tillman, or Stephens County.
Family and household
- Membership is open to family members of existing account holders.
Cost to join
- Opening membership requires opening a Share Savings account with as little as $5.
Branches
1 branch in Oklahoma
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Oklahoma
1 branch
- Southwest Oklahoma Federal Credit UnionMain office1806 NW Liberty Ave, Lawton, OK 73507Directions
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 | 19.32% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.00% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio19.32%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.00%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Southwest Oklahoma 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.