Credit union · NCUA insured
Western Sun Federal Credit Union
A $185.7M credit union headquartered in Tulsa, OK, with 25,703 members and 6 branches in Oklahoma. Best rates: CDs 3.50% and savings 0.75% APY.
Western Sun Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#18 of 44 in Tulsa, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Western Sun Federal Credit Union
Founded in 1940, Western Sun Federal Credit Union is a member-owned financial cooperative headquartered in Broken Arrow, Oklahoma.
The credit union operates six branch locations and serves the Tulsa metropolitan area, including Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, and Wagoner counties.
- Headquarters
- 4111 S Darlington Ave STE 400, Tulsa, OK 74135
- NCUA charter
- 4202
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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteer, or attend school in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, or Wagoner counties are eligible to join.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a regular savings account with a minimum balance deposit of $5.
Branches
6 branches in Oklahoma
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Oklahoma
6 branches
- Bixby11709 S Memorial Dr, Bixby, OK 74008Directions
- Broken Arrow Branch4620 W Kenosha St, Broken Arrow, OK 74012Directions
- Okmulgee Branch606 E 6th St, Okmulgee, OK 74447Directions
- Owasso Oklahoma14010 E 116th St N, Owasso, OK 74055Directions
- Downtown Branch907 S Detroit Ave, Tulsa, OK 74120Directions
- West Side Branch3356 Southwest Blvd, Tulsa, OK 74107Directions
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 | 17.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.71% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $96 | $76 | — |
- CapitalNet worth ratio17.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.71%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$96Peers’ 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 Western Sun 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.