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Advertiser Disclosure
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 Tinker 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
Tinker Federal Credit Union's 60 Mo. CD (CD) / IRA rates are at 3.56%, 48 Mo. CD (CD) / IRA rates are at 3.46%, 60 Mo. CD (CD) / IRA rates are at 3.46%, 36 Mo. CD (CD) / IRA rates are at 3.41%, 12 Mo. CD (CD) / IRA rates are at 3.36%. Tinker Federal Credit Union's money market rates are at 0.30%. Tinker Federal Credit Union's Personal Loan Rates are at 10.95%. MonitorBankRates evaluates the financial stability of Tinker Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.99%. Rates were last updated on 03/15/2026. Tinker 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 Tinker Federal Credit Union? Share your experience about Tinker Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tinker Federal Credit Union. Tinker Federal Credit Union
TFCU Corporate Office 715 Metropolitan Ave
https://www.tinkerfcu.org Oklahoma City, OK 73108 2054 
Tinker Federal Credit Union CD Rates
Tinker Federal Credit Union Money Market Rates
Tinker Federal Credit Union Checking Rates
Tinker Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tinker 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 Tinker 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 Tinker Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tinker Federal Credit Union
Website
https://www.tinkerfcu.org
Address
715 Metropolitan Ave,
Oklahoma City, OK 73108 2054
Phone
405-732-0324
Fax
405-443-2751
President
Eldon Overstreet
CEO
David Willis
Full-Time Employees
916
Part-Time Employees
106
Branch Locations
34
ATM Locations
32
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.99%
Return on Assets (ROA)
0.6781%
Return on Equity (ROE)
4.7841%
Non-Performing Loans Ratio (NPL)
0.76%
Total Assets
6,167,614,575
Total Amount of Shares and Deposits
5,085,461,791
Total Shares and Deposits < 1 Year
4,850,752,995
Total Shares and Deposits 1 3 Years
181,512,364
Total Shares and Deposits > 3 Years
53,196,432
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
670,208,275
Total Uninsured Shares and Deposits > $250K (F+J)
670,208,275
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,415,253,516
Total Interest Expense (Sum of items 6 8)
70,478,717
Share Certificates
25,426
Number of Accounts for Share Drafts
229,420
IRA KEOGH Accounts
13,964
Number of Accounts for Regular Shares
515,657
All other shares
1,444
Non Member Deposits
2
Money Market Shares
44,046
Net Income (unless the amount is already included in Undivided Earnings)
41,821,990
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
844,189,563
Total Liabilities
5,349,584,318
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Tinker Federal Credit UnionIs Tinker Federal Credit Union a safe place to deposit money?Yes, Tinker Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9940635171258%, 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 Tinker Federal Credit Union operate?Tinker 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 Tinker Federal Credit Union?Yes, to access services at Tinker 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, Tinker 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, Tinker Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tinker Federal Credit Union offer online and mobile banking?Most modern institutions like Tinker 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.tinkerfcu.org. Current Tinker Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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