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OK Members First Federal Credit Union is a member-owned, not-for-profit credit union chartered in 1951, serving the East Central Oklahoma community with competitive savings, loans, and financial services.
Data compiled from public sources
OK Members First Federal Credit Union was originally chartered in 1951 as a Safeway Credit Union before transitioning to a community charter in 1998 to serve the East Central High School District in Tulsa, Oklahoma. In 2001, the credit union expanded its field of membership to encompass a broader geographic area in East Tulsa, bounded by 61st and Mingo Road to the south, downtown Tulsa to the west, 66th Street to the north, and 193rd E. Ave to the east. The institution operates under the cooperative movement principle that access to low-cost financial services is essential for the financial health and stability of ordinary citizens.
OK Members First offers a comprehensive range of financial products and services typical of credit unions, including savings accounts, share certificates, home equity loans, IRAs, and general loan products. The credit union emphasizes rate claims to verify and fee structures as core benefits of membership. Members can access online banking, apply for loans, make payments, and review current loan and deposit rates through their website. The institution maintains a physical branch at 4926 La Cuenta Drive, San Diego, CA 92124, and can be reached during business hours (M-F 8:00am - 3:30pm) by phone or email.
What distinguishes OK Members First is its commitment to the democratic, member-owned structure inherent to credit unions. The board of directors is elected exclusively by members, with each member receiving one equal vote regardless of deposit amount. Directors serve without compensation, and no outside stockholders exist. After reserves are set aside, earnings are returned directly to members through higher dividend rates on savings, lower loan rates, and reduced service costs. As a federally chartered credit union, OK Members First is regulated by the National Credit Union Administration (NCUA) and deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF).
OK Members First represents a legitimate financial cooperative with over 70 years of operational history. However, membership eligibility is geographically restricted to their defined service area in the East Tulsa community, which may exclude potential customers outside these boundaries. The institution does not appear to offer listed products like credit cards, business loans, or mortgage lending based on available website information. Like most community-focused credit unions, their service hours and technology platforms may be more limited compared to large national banks.
This is state-level context for Credit Unions consumers in Tulsa, OK. It does not confirm that Ok Members First or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ok Members First offers 10 services including Savings accounts (share accounts), Share certificates (deposit products), Home equity loans, General personal loans, IRAs (individual retirement accounts), and 5 more.
Ok Members First has profile signals associated with Residents within the defined East Tulsa service area seeking member-owned financial institution benefits, Consumers prioritizing lower fees and loan rates through cooperative credit union structure, Members interested in democratically governed financial institutions with listed, member-focused operations, Savers and borrowers seeking community-based alternative to large for-profit banks.
Key strengths: Federally chartered and NCUA-insured, providing full deposit insurance protection for members; Democratic member ownership structure with one-vote-per-member governance and no outside stockholders; Earnings returned to members as higher savings dividends, lower loan rates, and reduced fees. Areas to consider: Membership is geographically restricted to East Central High School District and defined Tulsa area boundaries, excluding many potential customers; Limited business hours (M-F 8:00am - 3:30pm) with no weekend or extended service availability listed.
In the Credit Unions category, comparable providers include Comanche County, Communication, Correctional Workers. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
OK Members First Federal Credit Union is best suited for residents within its defined East Central Oklahoma service area who value member-owned, cooperative financial institutions and seek lower fees and loan rates than traditional banks. The primary caveat is strict geographic membership eligibility restrictions; individuals outside the Tulsa service boundaries cannot join regardless of their interest in the credit union's offerings.
Comanche County Federal Credit Union is a member-owned financial institution offering savings accounts, checking, auto loans, mortgages, and share certificates with rate claims to verify.
Profile signals: Comanche County residents and employees seeking member-owned banking with competitive auto and mortgage rates, Borrowers looking for extended auto financing terms (84 months) on newer vehicles
Communication Federal Credit Union is a member-owned, not-for-profit credit union serving Oklahoma and Kansas since 1939, offering checking, savings, auto loans, mortgages, and personal loans with rate claims to verify.
Profile signals: Members eligible to join CFCU who prioritize relationship-based banking and member-owned profit-sharing over bank services, Auto buyers seeking rate claims to verify with straightforward application and pre-approval processes
Correctional Workers Federal Credit Union is a member-owned credit union serving correctional workers with basic banking, ATM access, and financial services from their El Reno, Oklahoma location.
Profile signals: Correctional workers employed in Oklahoma seeking basic banking and ATM services, CWFCU members needing 24/7 fraud reporting and account monitoring
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