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iAdvertiser Disclosure
Advertiser Disclosure
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 Southwest Oklahoma Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
Southwest Oklahoma Federal Credit Union's savings rates are at 0.15%. Southwest Oklahoma Federal Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of Southwest Oklahoma Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates were last updated on 03/15/2026. Southwest Oklahoma Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southwest Oklahoma Federal Credit Union? Share your experience about Southwest Oklahoma Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southwest Oklahoma Federal Credit Union. Southwest Oklahoma Federal Credit Union
Southwest Oklahoma Federal Credit Union 1806 NW Liberty Ave
https://www.swofcu.com Lawton, OK 73507 
Southwest Oklahoma Federal Credit Union Savings Rates
Southwest Oklahoma Federal Credit Union Auto Loan Rates
Southwest Oklahoma Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southwest Oklahoma Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southwest Oklahoma Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southwest Oklahoma Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southwest Oklahoma Federal Credit Union
Website
https://www.swofcu.com
Address
1806 NW Liberty Ave,
Lawton, OK 73507
Phone
580-353-0490
Fax
580-353-5068
President
Kelly McClure
CEO
Emmett Meraz
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.49%
Return on Assets (ROA)
1.3549%
Return on Equity (ROE)
7.6013%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
116,567,046
Total Amount of Shares and Deposits
96,168,244
Total Shares and Deposits < 1 Year
94,851,664
Total Shares and Deposits 1 3 Years
1,127,740
Total Shares and Deposits > 3 Years
188,839
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,145,252
Total Uninsured Shares and Deposits > $250K (F+J)
5,145,252
Total Insured Shares and Deposits > $250K (item 17 less item K)
91,022,992
Total Interest Expense (Sum of items 6 8)
412,465
Share Certificates
242
Number of Accounts for Share Drafts
3,501
IRA KEOGH Accounts
220
Number of Accounts for Regular Shares
5,776
Net Income (unless the amount is already included in Undivided Earnings)
1,579,409
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,362,574
Total Liabilities
97,052,221
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southwest Oklahoma Federal Credit UnionIs Southwest Oklahoma Federal Credit Union a safe place to deposit money?Yes, Southwest Oklahoma Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4923534802061%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Southwest Oklahoma Federal Credit Union operate?Southwest Oklahoma Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southwest Oklahoma Federal Credit Union?Yes, to access services at Southwest Oklahoma Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southwest Oklahoma Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southwest Oklahoma Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southwest Oklahoma Federal Credit Union offer online and mobile banking?Most modern institutions like Southwest Oklahoma Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.swofcu.com. Current Southwest Oklahoma Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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