Credit union · NCUA insured
Tinker Federal Credit Union
A $6.1B credit union, the 65th largest of 4,329, headquartered in Oklahoma City, OK, with 484,290 members and 32 branches in 2 states. Best rates: CDs 3.54% and savings 1.00% APY.
Tinker Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#40 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tinker Federal Credit Union
Incorporated in 1946 with a state charter to serve the civilian workforce at Tinker Field, Tinker Federal Credit Union is now a member-owned cooperative financial institution.
Following a 2025 merger with LiFE Federal Credit Union, the credit union operates branch locations throughout Oklahoma and into north Texas.
- Headquarters
- 715 Metropolitan Ave, Oklahoma City, OK 73108-2054
- NCUA charter
- 24524
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in eligible areas are eligible to join.
Employers and groups
- Members of qualifying large associations are eligible to join.
- Employees of any of the 3,600 TFCU Partner companies and organizations are eligible to join.
Military, government and schools
- U.S. Armed Forces active, retired, dependent, or dependent survivor receiving benefits or services from Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
- City or county employees of eligible areas qualify for membership.
- Students, faculty, and employees of qualifying colleges, technology centers, and universities are eligible.
8 more ways to join
Military, government and schools
- Students, faculty, and employees of qualifying K-12 schools are eligible.
- Military personnel, civilian personnel, contractors, or US Government employees assigned to or working at Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandchild, stepparent, stepchild, stepsibling, or adoptive family member) of an existing member or eligible person qualify for membership.
- Permanent members of the household of an existing member or eligible person qualify for membership.
- Surviving spouses of TFCU members qualify for membership.
Other ways
- Residents of Texas and other areas can join via membership in the Cornerstone Foundation for a one-time fee of $15.00.
- Oklahoma residents can join via membership in the Oklahoma Jump$tart Coalition for a one-time fee of $10.00.
- Citizens, members, and employees of qualifying Tribal Nations are eligible to join.
Cost to join
- Opening a share (savings) account requires a $5 deposit and balance.
Branches
32 branches in 2 states
Loading map…
Oklahoma
30 branches
Oklahoma City area · 23
- TFCU Corporate OfficeMain office715 Metropolitan Ave, Oklahoma City, OK 73108Directions
- Choctaw Branch2183 Harper St, Choctaw, OK 73020Directions
- Edmond Branch1401 N Kelly Ave, Edmond, OK 73003Directions
- Edmond East3141 S Bryant Ave, Edmond, OK 73013Directions
- Edmond North1016 W Covell Rd, Edmond, OK 73003Directions
- Midwest City Branch6501 Tinker Diagonal, Midwest City, OK 73110Directions
- Midwest City East Branch1401 N Post Rd, Midwest City, OK 73130Directions
- Moore Branch400 SW 6th St, Moore, OK 73160Directions
- Norman Southeast Branch1451 12th Ave SE, Norman, OK 73071Directions
- Norman West Branch301 36th Ave NW, Norman, OK 73072Directions
- Capitol Hill Branch2315 S Western Ave, Oklahoma City, OK 73109Directions
- Metro Tech1800 Springlake Dr Ste 200, Oklahoma City, OK 73111Directions
- NW Rockwell13300 N Rockwell Ave, Oklahoma City, OK 73142Directions
- Northeast Branch1177 NE 23rd St, Oklahoma City, OK 73111Directions
- Northwest Branch4626 NW 39th St, Oklahoma City, OK 73122Directions
- Operations Center4140 W Interstate 40, Oklahoma City, OK 73102Directions
- South Sooner14900 South Sooner, Oklahoma City, OK 73165Directions
- Southwest Branch9601 S Pennsylvania Ave, Oklahoma City, OK 73159Directions
- Tri City4101 SW 134th St, Oklahoma City, OK 73173Directions
- Tinker AFB - TACBuilding 9001 Post A-45, Tinker AFB, OK 73145Directions
- Tinker AFB Area ABldg 420, Tinker AFB, OK 73145Directions
- Tinker AFB C1Bldg 3001, Post Y-02, Tinker AFB, OK 73145Directions
- Yukon Branch11209 W Reno Ave, Yukon, OK 73099Directions
Enid area · 2
- Enid Branch801 S Oakwood Rd, Enid, OK 73703Directions
- Vance AFB234 Fields St, Enid, OK 73705Directions
Ada area · 1
- Ada Branch1620 Lonnie Abbott Blvd, Ada, OK 74820Directions
Tulsa area · 1
- Owasso Branch9039 N 121st East Ave, Owasso, OK 74055Directions
Seminole area · 1
- Seminole Branch980 E Wrangler Blvd, Seminole, OK 74868Directions
Shawnee area · 1
- Shawnee Branch3923 N Harrison St, Shawnee, OK 74804Directions
Stillwater area · 1
- Stillwater Branch5101 W 6th Ave, Stillwater, OK 74074Directions
Texas
2 branches
- Cross Roads8800 US Highway 380, Ste 200, Cross Roads, TX 76227Directions
- Denton, Unicorn Lake3351 Unicorn Lake Blvd, Denton, TX 76210Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.72% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.82% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalNet worth ratio14.72%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.82%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Tinker 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.