Tinker Federal Credit Union

Headquarters

Po Box 45750
Oklahoma City, OK 73145
See all branch locations →

Phone 1-405-732-0324

Notable Rates APY Vs.Others
Savings 0.25% 2.55% →
1-Year CD 0.90% 2.80% →
2-Year CD 1.00% 3.20% →
5-Year CD 1.36% 3.65% →
30-Year Mortgage 7.71% 6.31% →
15-Year Mortgage 7.22% 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Tinker is an NCUA insured institution located in Oklahoma City, OK. It was founded in 1946 and has approximately $5989.22 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 $5,989.22 million
Loans $3,482.52 million
Deposits $5,384.17 million
Capital $650.39 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 - August 10, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $10,000 $14,999 Learn More
6 Mo CD
0.85% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
1.06% $100,000 $199,999 Learn More
48 Mo CD
1.06% $10,000 $14,999 Learn More
48 Mo CD
1.21% $100,000 $199,999 Learn More
60 Mo CD
1.21% $10,000 $14,999 Learn More
60 Mo CD
1.36% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $1 $499 Learn MoreShow Less

Loan Rates - August 10, 2022

Your Current Location: California, CA 92111

Home Equity Rates APR Rate Monthly Payment
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
Purchase Mortgage Rates APR Rate Monthly Payment

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:
San Diego,California


Tinker Locations



Climate Initiatives

TINKER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.31% 4.75

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 March 31, 2022, Tinker had $25,198,810 in non-current loans and $3,496,323 in owned assets. To cover these potential losses it had $650,391,280 in net worth and $15,606,978 in loans loss reserves. That gives it a Texas Ratio of 4.31%.

Net Worth
Tinker U.S. Average
10.86% 12.28%

Tinker FCU has a net worth of 10.86% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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