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You may like Tinker Federal Credit Union if you live in Oklahoma and want to bank with a credit union instead of a bank. Tinker Federal Credit Union's strongest products are its high-yield checking account and share certificates. If you don't live in Oklahoma, you can find the best CD rates at online banks.
Tinker Federal Credit Union: Overall Rating
| Feature | Insider rating (out of 5) |
| Savings | 4 |
| Checking | 4 |
| Share certificate | 3.75 |
| Money market account | 3.75 |
| Trustworthiness | 5 |
| Total | 4 |
Tinker Federal Credit Union Pros and Cons
| Pros | Cons |
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Tinker Federal Credit Union Bank Account Reviews
Tinker Federal Credit Union Share Account
no monthly service fee
0.25%
$5
- Low minimum opening deposit
- No monthly service fees
- High interest rate than the average savings account
- Complimentary $1,000 accidental death and dismemberment insurance
- Online banks pay higher interest rates
- Must maintain at least $5 in account to maintain membership
- 32 branches in Oklahoma
- Access to over 5,500 shared branches throughout the US through the CO-OP Shared Branch Network
- Become a member of Tinker Federal Credit Union if you meet one of the following requirements: You have a family member or permanent household member who is a TFCU member; you are employee or member of an eligible business; you are a military or civilian personnel who works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or the Armed Forces Reserve Centers in Oklahoma; You are a member of a veterans organization in Oklahoma; You live, work, workship or attend school in an eligible Oklahoma area
- Interest compounded and deposited monthly
- Federally insured by the NCUA
To become a member of Tinker Federal Credit Union, you must open a Tinker Federal Credit Union Tinker Federal Credit Union Share Account with at least $5.
This account offers a lower interest rate than the average savings account. It doesn't charge any monthly service fees, though. You must maintain $5 in your account to keep an active membership.
Tinker Federal Credit Union Click Checking
no monthly service fee
0.05% to 2.50%
$25
- Low minimum opening deposit
- No monthly service fees
- Earn interest if you meet certain requirements
- Free overdraft protection available
- No monthly fee for MoneyPlus Visa check card
- $0.50 out-of-network ATM fee for balance inquiries
- $22.50 overdraft fee
- 32 branches in Oklahoma
- Access to over 5,500 shared branches throughout the US through the CO-OP Shared Branch Network
- No surcharge fee at TFCU ATMs, Transfund NC ATMs, OnCue and QuikTrip ATMs in Oklahoma or Oklahoma City metro area 7-Elevens
- Become a member of Tinker Federal Credit Union if you meet one of the following requirements: You have a family member or permanent household member who is a TFCU member; you are employee or member of an eligible business; you are a military or civilian personnel who works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or the Armed Forces Reserve Centers in Oklahoma; You are a member of a veterans organization in Oklahoma; You live, work, workship or attend school in an eligible Oklahoma area
- Earn 1.30% to 2.50% APY if you meet all the following requirements each month: enroll in online and mobile banking; pay at least one bill using TFCU BillPay Online; make at least 10 transactions using your MoneyPlus Visa check card per month; sign up for online-statements; make at least one direct deposit
- Earn 0.05% APY if you do not meet the monthly requirements
- Free overdraft protection that lets you link your checking account to a savings account
- Interest compounded and deposited monthly
- Federally insured by the NCUA
If you're searching for a high-yield checking account, Tinker Federal Credit Union Tinker Federal Credit Union Click Checking might be appealing. This checking account pays 0.05% to 2.50% APY if you meet certain requirements.
To qualify for a reward interest rate, fulfill all of the following criteria each month:
- Enroll in online and mobile banking
- Pay at least one bill using TFCU BillPay Online
- Make at least 10 transactions using your MoneyPlus Visa check card per month
- Sign up for online statements
- Make at least one direct deposit
Tinker Federal Credit Union Term Share Certificates
2.70% to 4.26%
$1,000
- High interest rates
- Variety of terms
- Standard early withdrawal penalties
- $1,000 minimum opening deposit
- 32 branches in Oklahoma
- Access to over 5,500 shared branches throughout the US through the CO-OP Shared Branch Network
- Become a member of Tinker Federal Credit Union if you meet one of the following requirements: You have a family member or permanent household member who is a TFCU member; you are employee or member of an eligible business; you are a military or civilian personnel who works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or the Armed Forces Reserve Centers in Oklahoma; You are a member of a veterans organization in Oklahoma; You live, work, workship or atten school in an eligible Oklahoma area
- Special limited-time offers for 13-month, 19-month and 2 year CDs
- Tiered interest rates: Higher rates at $10,000; $25,000; $55,000 and $99,000 minimum opening deposits
- Early withdrawal penalties: For a 3-month CD, the early withdrawal penalty is 60 days of interest: For a 6-month CD, the early withdrawal penalty is 90 days of interest; For a 1-year, 13-month CD, or 19-month CD the early withdrawal penalty is 120 days of interest; For a 2-year CD, the early withdrawal penalty is180 days of interest; For a 3-year CD, the early withdrawal penalty is 240 days of interest; For a 4-year CD, the early withdrawal penalty is 300 days of interest; For a 5-year CD, the early withdrawal penatly is 360 days of interest
- Interest compounded and deposited monthly
- Federally insured by the NCUA
Tinker Federal Credit Union has a variety of CD terms, ranging from three months to five years. You'll earn a higher interest rate on a CD if you deposit more money upfront.
Tinker Federal Credit Union Command Fund (Money Market Account)
no monthly service fee
0.30% to 0.50%
$2,000
- No monthly service fees
- Paper checks included
- Low interest rate
- $2,000 minimum opening deposit
- No debit card included
- 32 branches in Oklahoma
- Access to over 5,500 shared branches throughout the US through the CO-OP Shared Branch Network
- Become a member of Tinker Federal Credit Union if you meet one of the following requirements: You have a family member or permanent household member who is a TFCU member; you are employee or member of an eligible business; you are a military or civilian personnel who works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or the Armed Forces Reserve Centers in Oklahoma; You are a member of a veterans organization in Oklahoma; You live, work, workship or attend school in an eligible Oklahoma area
- Earn 0.30% APY on account balances under $2,000
- Earn 0.50% APY on account balances of $2,000 or more
- Interest compounded and deposited monthly
- Federally insured by the NCUA
You may like the Tinker Federal Credit Union Command Fund (Money Market Account) if you regularly maintain at least $2,000 in your account. That way, you'll earn a higher interest rate than with the Tinker Federal Credit Union Tinker Federal Credit Union Share Account.
Some money market accounts have different ways to access money in your account, like a debit card or paper checks. The Tinker Federal Credit Union Tinker Federal Credit Union Command Fund (Money Market Account) only offers paper checks, though.
About Tinker Federal Credit Union
Tinker Federal Credit Union is a local financial institution in Oklahoma with 32 branches. It's also part of the CO-OP Shared Branch Network, which has over 5,500 shared branches throughout the US.
Customers have access to over 40 TFCU ATMs throughout Oklahoma. The credit union also permits surcharge-free ATM access at Transfund NC ATMs, OnCue and QuikTrip ATMs in Oklahoma, or Oklahoma City metro area 7-Elevens.
To contact customer support, call or use live chat from 6 a.m. to 9 p.m. CT on weekdays and 8 a.m. to 5 p.m. CT on Saturdays.
The credit union's mobile app is rated 4.6 out of 5 stars in the Apple store and Google Play store.
Tinker Federal Credit Union is federally insured by the NCUA. You may safely keep up to $250,000 in an individual bank account or $500,000 in joint bank accounts.
How to Join Tinker Federal Credit Union
To become a member of Tinker Federal Credit Union, you must meet one of the following requirements:
- You have an immediate family member or permanent member of your household who is a current member of Tinker Federal Credit Union
- You are a current or former employee/member of a business or association on this list
- You are military or civilian personnel who works at Tinker Air Force Base, Vance Air Force Base, an Army National Guard facility, or the Armed Forces Reserve Center in Oklahoma
- You are an active or retired member of the US Armed Forces
- You are part of a veterans organization in Oklahoma
- You are an elected official or employee part of select Oklahoma counties
- You are a member, employee, or student of an organization listed in the Tinker Federal Credit Union charter (You must contact the Member Service Center)
- You live, work, or go to school in Payne, Pontotoc, or Seminole county
- You live, work, or go to school in the Oklahoma City Empowerment Zone
If you don't meet one of the requirements listed, you may call the Member Service Center to see if there are any additional ways to qualify for membership.
Once you fulfill at least one of the requirements, you'll be able to join Tinker Federal Credit Union. All members must open a Tinker Federal Credit Union Tinker Federal Credit Union Share Account with a minimum of $5.
Is Tinker Federal Credit Union Trustworthy?
The Better Business Bureau assesses businesses to see how they address customer issues.
Tinker Federal Credit Union received an A+ rating from the BBB. A good rating from the BBB doesn't necessarily guarantee a smooth relationship with a bank, though. Read online customer reviews to talk to current customers to see if Tinker Federal Credit Union may be suitable for you.
Tinker Federal Credit Union hasn't been involved in any recent public scandals.
How Tinker Federal Credit Union Compares
Tinker Federal Credit Union vs. International Bank of Commerce
To join Tinker Federal Credit Union, you must meet certain membership requirements. For example, if you live, work, or go to school in the Oklahoma City Empowerment Zone, you'll qualify for membership.
Meanwhile, the International Bank of Commerce doesn't have any membership requirements.
You'll want to consider which types of bank accounts you'd like to open.
Tinker Federal Credit Union doesn't charge monthly service fees on checking or savings accounts. International Bank of Commerce has a free checking account, but you'll need to maintain at least $500 in the International Bank of Commerce Personal Savings Account to avoid monthly service fees.
Tinker Federal Credit Union vs. Oklahoma's Credit Union
Choosing between these two local financial institutions will likely depend on whether you qualify for membership at either credit union.
You may join Oklahoma's Credit Union if you live, work, or go to school in Oklahoma, Canadian, Cleveland, Grady, Lincoln, Logan, McClain, or Pottawatomie counties. You may also be eligible for membership if you work at a state agency that doesn't have a credit union.
Tinker Federal Credit Union has over 700 ways to become a member. If you do not meet any of the requirements listed on the Tinker Federal Credit Union website, you may call the Member Service Center to see if there are any additional ways to become a member.
You may also want to consider what you prioritize in a bank account.
For example, Oklahoma's Credit Union offers a higher interest rate on its share account if you keep a high account balance over $100,000. If you maintain less money in your account, you may prefer the Tinker Federal Credit Union Share Account because it pays 0.25% APY regardless of your account balance.
Why You Should Trust Us: How We Reviewed Tinker Federal Credit Union
For our Tinker Federal Credit Union review, we rated bank products and services using our editorial standards.
We rate products on a scale from one to five stars, and use a bank account methodology
For example, using our CD methodology we'll review interest rates, minimum opening deposit requirements, early withdrawal penalties, CD variety, customer support availability, mobile app ratings, miscellaneous features, security, and ethics of the overall company. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, overdraft protection options, customer support hours, mobile app ratings, ethics, security, miscellaneous features, minimum opening deposit requirements, and fees.
We use a weighted average to get our star rating, which means we weigh certain features, like interest rates and fees, at a higher weight percentage than others. We understand that these areas can more heavily impact a person's overall banking experience.
Tinker Federal Credit Union FAQs
You'll need to meet specific membership requirements to become a Tinker Federal Credit Union member. The credit union has over 700 ways to join. If you do not meet any of the requirements listed on the Tinker Federal Credit Union website, call the Member Service Center to see if there are any additional ways to qualify for membership.
Tinker Federal Credit Union may be a good option if you live in Oklahoma and want to open bank accounts with zero monthly service fees. Tinker Federal Credit Union also has solid CD rates compared to other brick-and-mortar banks.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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