Tinker Federal Credit Union
Headquarters
Po Box 45750
Oklahoma City, OK 73145
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Phone 1-405-732-0324
2024 Overview
General Credit Union Information
Tinker is an NCUA insured institution located in Oklahoma City, OK. It was founded in 1946 and has approximately $6007.6 millions in assets.
Who Can Join?
If you can answer yes to any of the following questions, you're eligible to become a member of Tinker Federal Credit Union!
Are you military or civilian personnel of the United States Government who is assigned to or works at Tinker Air Force Base or Vance Air Force Base, or an Army National Guard facility that is listed in our business partner listing?
Are you a contractor or an employee of a contractor who regularly works at one of the above government installations under contract with the U.S. Government?
Are you military or civilian personnel of the U.S. Government who works at, is assigned to, or attached to one of the Armed Forces Reserve Centers in Oklahoma?
Are you a member of the U.S. Armed Forces who is active, retired, a dependent or a dependent survivor who is eligible by law or regulations to receive and is receiving benefits or services from one of the above installations?
Are you a member of one of the veterans organizations in Oklahoma?
Are you an employee or member of one of our business partners?
Are you an elected official or employee of the cities of Ada, Arcadia, Del City, Edmond, Enid, Luther, Moore, Norman, Nash, Yukon, or Garfield County or Cleveland County?
Is any member of your immediate family (parents, children, spouse, or siblings) a member of TFCU; or do they qualify to join TFCU?
Is a permanent member of your household a member of TFCU, or do they qualify to join?
Are you a member of any of the organizations listed in our Charter? *
Are you an employee or student at one of the institutions listed in our Charter?*
Were you a spouse of a member who is deceased?
Are you retired and receive a pension or are you an annuitant of one of our select employee groups?
Do you live, work, worship, or attend school in any of the following Oklahoma counties: Payne, Pontotoc, Seminole?
Do you live, work, worship or attend school in Oklahoma City's Empowerment Zone?
* If you are not sure if you are a member of one of the Charter Organizations, please call the Member Service Center at (405) 319-2255 or 1-800-456-4828, ext. 2255.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24524 |
| Date Established | 1946 |
| Assets | $6,007.60 million |
| Loans | $3,570.11 million |
| Deposits | $5,000.72 million |
| Capital | $812.43 million |
Field of Membership Restrictions
Membership in Tinker Federal Credit Union is open to those who live, work, worship, or attend school in any of the following Oklahoma counties: Payne, Pontotoc, Seminole, and in Oklahoma City's Empowerment Zone. Membership is also open to military or civilian personnel of the U.S. government who is assigned to or work for Tinker AFB, one of the Armed Forces Reserve Centers in Oklahoma, members of any veterans organization in Oklahoma, or employees of a select business partner.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.25% | $5 | - |
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|
|
Money Market
|
1.00% | $10,000 | $24,999 |
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|
|
Money Market
|
1.15% | $25,000 | $49,999 |
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|
|
Money Market
|
1.25% | $50,000 | $74,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
2.69% | $1,000 | $9,999 |
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|
| 3 Month
|
2.85% | $10,000 | $24,999 |
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|
| 3 Month
|
2.95% | $25,000 | $49,999 |
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|
| 3 Month
|
3.05% | $50,000 | $98,999 |
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|
| 3 Month
|
3.15% | $99,000 | - |
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|
| 6 Month
|
4.49% | $1,000 | $9,999 |
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|
| 6 Mo CD
|
4.65% | $10,000 | $24,999 |
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|
| 6 Month
|
4.75% | $25,000 | $49,999 |
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|
| 6 Month
|
4.85% | $50,000 | $98,999 |
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|
| 6 Mo CD
|
4.96% | $99,000 | - |
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|
| 9 Month
|
4.39% | $1,000 | $9,999 |
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|
| 9 Month
|
4.54% | $10,000 | $24,999 |
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|
| 9 Month
|
4.65% | $25,000 | $49,999 |
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|
| 9 Month
|
4.75% | $50,000 | $98,999 |
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|
| 9 Month
|
4.85% | $99,000 | - |
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|
| 12 Month
|
4.34% | $1,000 | $9,999 |
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|
| 12 Mo CD
|
4.50% | $10,000 | $24,999 |
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|
| 12 Month
|
4.60% | $25,000 | $49,999 |
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|
| 12 Month
|
4.71% | $50,000 | $98,999 |
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|
| 12 Mo CD
|
4.81% | $99,000 | - |
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|
| 24 Month
|
3.85% | $1,000 | $9,999 |
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|
| 24 Mo CD
|
4.00% | $10,000 | $24,999 |
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|
| 24 Month
|
4.11% | $25,000 | $49,999 |
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|
| 24 Month
|
4.21% | $50,000 | $98,999 |
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|
| 24 Mo CD
|
4.31% | $99,000 | - |
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|
| 36 Month
|
3.60% | $1,000 | $9,999 |
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|
| 36 Mo CD
|
3.75% | $10,000 | $24,999 |
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|
| 36 Month
|
3.86% | $25,000 | $49,999 |
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|
| 36 Month
|
3.96% | $50,000 | $98,999 |
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|
| 36 Mo CD
|
4.06% | $99,000 | - |
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|
| 48 Month
|
3.60% | $1,000 | $9,999 |
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|
| 48 Mo CD
|
3.75% | $10,000 | $24,999 |
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|
| 48 Month
|
3.86% | $25,000 | $49,999 |
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|
| 48 Month
|
3.96% | $50,000 | $98,999 |
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|
| 48 Mo CD
|
4.06% | $99,000 | - |
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|
| 60 Month
|
3.34% | $1,000 | $9,999 |
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|
| 60 Mo CD
|
3.50% | $10,000 | $24,999 |
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|
| 60 Month
|
3.60% | $25,000 | $49,999 |
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|
| 60 Month
|
3.71% | $50,000 | $98,999 |
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|
| 60 Mo CD
|
3.81% | $99,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.30% | $0 | - | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.25% | 5.25% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.60% | 3.60% | $733.66 | |
| 4 Year | 3.60% | 3.60% | $560.01 | |
| 5 Year | 3.60% | 3.60% | $455.91 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.22% | 6.86% | $2,851.26 | |
| 20 Year Fixed Conforming See Amortization Table |
7.48% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.71% | 7.63% | $2,266.04 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.22% | 6.86% | $2,851.26 | |
| 20 Year Fixed Conforming See Amortization Table |
7.48% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.71% | 7.63% | $2,266.04 | |
Compare with 6.494% APR and 6.375% 30-Year Fixed RATE from Pure Rate Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Tinker branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Tinker Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 733.46 | A | View Lobby Hours | |
| 737.16 | B | View Lobby Hours | |
| 794.63 | C | View Lobby Hours | |
| 802.70 | D | View Lobby Hours | |
| 807.09 | E | View Lobby Hours | |
| 821.35 | F | View Lobby Hours | |
| 822.99 | G | View Lobby Hours | |
| 823.66 | H | View Lobby Hours | |
| 823.90 | I | View Lobby Hours | |
| 825.18 | J | View Lobby Hours | |
| 825.18 | K | View Lobby Hours | |
| 825.18 | L | View Lobby Hours | |
| 825.38 | M | View Lobby Hours | |
| 827.80 | N | View Lobby Hours | |
| 828.32 | O | View Lobby Hours | |
| 828.49 | P | View Lobby Hours | |
| 828.73 | Q | View Lobby Hours | |
| 830.06 | R | View Lobby Hours | |
| 831.11 | S | View Lobby Hours | |
| 831.40 | T | View Lobby Hours | |
| 832.05 | U | View Lobby Hours | |
| 832.99 | V | View Lobby Hours | |
| 833.09 | W | View Lobby Hours | |
| 833.75 | X | View Lobby Hours | |
| 833.79 | Y | View Lobby Hours | |
| 834.24 | Z | View Lobby Hours |
Climate Policy and Initiatives
TINKER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Tinker Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Tinker. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Tinker | U.S. Average |
|---|---|
| 4.20% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Tinker had $29,875,067 in non-current loans and $4,889,667 in owned assets. To cover these potential losses it had $812,427,322 in net worth and $16,170,850 in loans loss reserves. That gives it a Texas Ratio of 4.20%.
Net Worth
| Tinker | U.S. Average |
|---|---|
| 13.48% | 13.93% |
Tinker FCU has a net worth of 13.48% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Tinker
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