What is a Credit Union?  A credit union is a financial cooperative composed solely of member-owners who share the philosophy of "not for profit, but for service."  Unlike some financial institutions, our volunteer Board of Directors are member-owners, who work in the best interest of other fellow member-owners.  Without shareholders to pay, profits are returned to members in the form of lower loan rates, low or no-fee products and services, and higher savings rates.  At a bank, the only people who benefit from profits are the investors.

Members at a credit union are member-owners because their deposit represents a share of ownership.  However, at a bank, the owners are typically small groups of investors.  Credit union members are united by a common bond of membership.

Credit unions are insured by the National Credit Union Administration (NCUA), a U.S. government agency for deposits up to $250,000.     

What makes Tulsa Metro Federal Credit Union unique and why should you and your family join TMFCU ?  The reasons are endless and here are just a few....

1. Lower rates on auto loans than most banks.
2. Higher rates on savings.
3. Personal attention and friendly service.  We will never ask you for your account number and we will do our very best to address you by name.  In these days of constant change ("big getting bigger"), isn't it nice to have an intimate, very personal financial institution?  50 years and counting...  Remember we have your best interest at heart!
4. Membership for life.  Tulsa Metro Federal Credit Union membership has a domino effect without an expiration date.  Once you have become a member, your relatives and anyone living in your household are eligible too.  Your membership remains intact regardless of whether you remain at your current position or seek employment elsewhere.
5. Your vote counts.  As a non-profit cooperative, Tulsa Metro Federal Credit Union offers membership "shares" to you in the form of savings deposits.  The earnings on your savings are called dividends (interest).  And, based upon the Credit Union principle of equality, each member has one vote, regardless of the balance (or number of shares) in your savings account.  An Annual Meeting of the Membership is held each September.  At this meeting an election is held for the credit union's volunteer Board of Directors.
6. Simple Process.  Tulsa Metro Federal Credit Union membership is quick and easy.  Come by and fill out a membership card, present two forms of identification and make a $25 deposit.  It's just that simple!
7. TMFCU -vs- Other, "Larger" Credit Unions.  While credit unions as a whole were founded on the principle of "people helping people", many credit unions thrive on acquisitions and mergers, under the auspices that 'bigger is always better."  Well, we at TMFCU pride ourselves on genuinely treating every member with the utmost respect and attention to personal financial detail.  We believe that TMFCU's reputation of spoiling our membership is the best practice and one which is not easily found in larger, less personal financial institutions.  So while we opt to stay smaller, we still offer most all of the products the others have but with a much higher degree of service, something the competition can only wish to offer!