Business Details
50+ Years
experience
Your Trusted Oklahoma & Texas Credit Union
Tinker Federal Credit Union (TFCU) has served members since 1946 as a member-owned financial cooperative. Founded by Tinker Field civilian employees, we prioritize our members' financial well-being through competitive rates, low fees, and personalized service. With over 470,000 members and $6.1 billion in assets, we operate 30+ branches across Oklahoma and Texas, offering comprehensive financial solutions for individuals and businesses. Our not-for-profit structure returns profits to members through higher savings dividends, lower loan rates, and financial education programs. Federally insured by NCUA, we maintain strict security standards while providing 24/7 digital banking access.Our service promises emphasize ethical practices, quick assistance, and undivided attention to member needs. We specialize in auto loans, mortgages, business banking, and military-focused financial services, including our exclusive Military Rewards Program. Through community engagement and financial wellness initiatives, we empower members to achieve their goals. Our experienced leadership team combines local market knowledge with industry expertise to deliver trustworthy financial solutions.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Business Banking
Online Banking
Credit Cards
Financial Coaching
Insurance Services
Mobile Banking
Details
- Year established: 1946
Highlights and features
- Member-owned cooperative returning profits to members through better rates
- 24/7 digital banking with mobile check deposit and bill pay
- Exclusive Military Rewards Program with fee waivers and benefits
- 30+ branch locations across Oklahoma and Texas with extended hours
- Federally insured by NCUA for complete financial security
Associations and certifications
- NCUA
What people say
Great mortgage rates
Excellent military benefits
24/7 digital access
Friendly staff
Low fees
Services
Auto Loans
TFCU offers competitive auto loans with flexible terms for new and used vehicles. Our First-Time Buyer Program helps military members build credit, while repo vehicle loans provide discounted rates on repossessed cars. Special financing options include 100% VA loan financing and military-specific benefits through our Military Rewards Program.
Mortgage Loans
We provide comprehensive mortgage solutions including purchase loans, refinancing, and mobile home financing. Our VA home loans offer 100% financing for eligible military members. Competitive rates and personalized guidance help members achieve homeownership goals with support throughout the entire loan process.
Business Banking
TFCU supports businesses with checking accounts, savings solutions, commercial lending, and treasury management. Our business credit cards and debit cards offer rewards, while online banking tools enable efficient financial management. Specialized services include merchant processing and business financial planning.
Digital Banking
24/7 digital access includes mobile banking, bill pay, remote deposit, and eStatements. Our app enables real-time account management, while Visa Purchase Alerts enhance card security. Digital wallet integration and online loan applications streamline financial transactions for personal and business accounts.
Financial Coaching
Free financial education resources include BALANCE Financial Fitness program, workshops, and personalized coaching. Services cover budgeting, debt management, and financial planning. Members access tools to improve financial literacy and achieve long-term financial stability through in-person and online resources.
People
Dave Willis
President/CEO
Dave Willis leads TFCU with over 30 years of credit union experience. A U.S. Marine Corps Reserve veteran, he focuses on member-centric service and community development. He drives strategic growth while maintaining the credit union's not-for-profit mission.
Randy Smith
Chief Financial Officer
Randy Smith oversees TFCU's financial operations with expertise in credit union finance. He ensures fiscal stability while implementing member-benefiting financial strategies. His leadership maintains competitive rates and responsible growth across Oklahoma and Texas.
Lisa Johnson
Chief Operations Officer
Lisa Johnson manages daily operations and service delivery excellence. With 25+ years in credit union leadership, she implements process improvements and expands service accessibility. She focuses on enhancing member experiences through branch network optimization and digital innovation.
Questions
How do I qualify for TFCU membership?
Membership requires a $5 deposit in a share savings account. Qualification includes employment at 3,600+ partner companies, military service, or family relationship with existing members.
What online banking features are available?
TFCU offers 24/7 online access for account management, bill pay, mobile check deposit, and eStatements. Visa Purchase Alerts enhance card security through real-time transaction notifications.
Does TFCU offer loan refinancing options?
Yes, we provide refinancing for auto loans and mortgages. Current members can refinance secured loans from other institutions with options for cash rebates or reduced interest rates.
What insurance services are available?
TFCU offers auto, home, and life insurance through partner providers. Specialized coverage includes GAP protection, accidental death benefits, and military-specific insurance programs with member discounts.
How can I access TFCU services while deployed?
Deployed members access services through toll-free support (6am-8pm CST Mon-Fri), secure online messaging, and co-op shared branches nationwide. Military Rewards Program provides fee waivers and special benefits.
Reviews (4)
Carolyn V.
Dec 03, 2021
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Why does this branch always seem to be under staffed? It should not take 30 mins, with 3 tellers open on a Friday afternoon, to cash a check!
Tee B.
Apr 07, 2021
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Teller number 1559 does not have the adequate customer service skills to be administering work with the public. Her interaction was not customer centered. She lacked communication skills. Her non verbal (body language) when asking a question was very negative. She was very dismissive.
Thomas W.
Oct 03, 2019
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If you want big brother bullying you and demanding exact details on your transactions, this is the bank for you! I love their cold calls where they ask person questions! Worst credit union ever!
Jonathan Steele
Aug 30, 2019
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So I do not have an account ... asked if they could break a 20.00 bill... asked for 2 tens... the teller told me she couldnt break my 20 because she had track the money ...? What does this even mean? If you dont want to break my 20 then tell me I dont want to give you change.! But dont LIE ! Refuse service to a non customer / Forgivable .... LIE to a non customer ... non customer for life!