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OU Federal Credit Union

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OU Federal Credit Union Rates & Review September 2026

Q: How many branches does OU Federal Credit Union operate?

OU 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.

Q: Is a member application needed to join OU Federal Credit Union?

Yes, to access services at OU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

OU Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.77%, 6-month share certificate rates at 2.65% and 3-month share certificate rates at 2.52%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not OU Federal Credit Union, and you can see how they compare in the OU Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of OU Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.27%. Database rates last updated and verified on 09/10/2026.

OU 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 OU Federal Credit Union? Share your experience about OU Federal Credit Union by leaving a review below, or read customer reviews before you decide to use OU Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.27%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

OU Federal Credit Union
Lindsey

2000 W Lindsey St
Norman, OK 73069

https://www.oufcu.com

OU Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	17.99%
Details Rates as low as 17.99% APR**; No Annual Fee; Cash advances available in branch or through online banking; Add authorized signers at any time Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OU Federal Credit Union’s Texas Ratio stayed near 6.27% in Q2 2023 to 6.27% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$80M	6.27%	5.0	A
December 31, 2025	$80M	3.56%	5.0	A+
September 30, 2025	$78M	4.52%	5.0	A+
June 30, 2025	$80M	10.10%	5.0	A
March 31, 2025	$80M	5.48%	5.0	A+
December 31, 2024	$79M	6.16%	5.0	A
September 30, 2024	$78M	7.07%	5.0	A
June 30, 2024	$79M	2.49%	5.0	A+
March 31, 2024	$79M	5.68%	5.0	A+
December 31, 2023	$80M	8.46%	5.0	A
September 30, 2023	$82M	13.29%	5.0	A
June 30, 2023	$82M	6.27%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OU 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 OU 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 OU Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OU Federal Credit Union

Website https://www.oufcu.com

Address 2000 W Lindsey St, Norman, OK 73069

Phone 405-325-2211

Fax 405-325-7931

President Michele Nabonne

CEO Shannon Hudzinski

Full-Time Employees 11

Part-Time Employees 7

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.27%

Return on Assets (ROA)

0.2526%

Return on Equity (ROE)

3.2449%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

80,491,048

Total Amount of Shares and Deposits

75,849,080

Total Shares and Deposits < 1 Year

75,819,284

Total Shares and Deposits 1 3 Years

25,575

Total Shares and Deposits > 3 Years

4,221

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,403,561

Total Uninsured Shares and Deposits > $250K (F+J)

3,403,561

Total Insured Shares and Deposits > $250K (item 17 less item K)

72,445,519

Total Interest Expense (Sum of items 6 8)

239,124

Share Certificates

132

Number of Accounts for Share Drafts

7,538

Number of Accounts for Regular Shares

15,467

Money Market Shares

347

Net Income (unless the amount is already included in Undivided Earnings)

203,333

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,150,052

Total Liabilities

74,838,482

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

OU Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/ou-federal-credit-union-rates-review-9335">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for OU Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About OU Federal Credit Union

How many branches does OU Federal Credit Union operate?

OU 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 OU Federal Credit Union?

Yes, to access services at OU 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, OU 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, OU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does OU Federal Credit Union offer online and mobile banking?

Most modern institutions like OU 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.oufcu.com.