--- title: "Employees Credit Union Rates - Oklahoma" description: "Current mortgage, auto loan, heloc, and personal loan rates from Employees Credit Union in Oklahoma. Updated daily with source verification. See who can join Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oklahoma/employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Employees Credit Union Rates - Oklahoma ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Real Estate 2nd Mortgage** other | — APR | 7.990% | — | Context only | Employees Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **50,000 Plus** auto | — APR | 4.990% | — | Standard | | **New/Used** auto_any | — APR | 6.990% | any | Standard | Employees Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Context only | Employees Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 9.490% | — | Context only | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 9.490% | 36 mo | Context only | | **Payday Alternative Loan ($200 - 1,000)** personal_unsecured_6mo | — APR | 18.490% | 6 mo | Context only | Employees Credit Union personal loan rates as of November 13, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Loan** other | — % | 6.240% | — | Standard | | **Miscellaneous** other | — % | 7.990% | — | Context only | | **Promotional Loan** other | — % | 8.490% | — | Context only | | **Land Only** other | — % | 9.490% | — | Context only | | **Non-Owner Occupied** other | — % | 9.490% | — | Context only | Employees Credit Union other rates as of November 13, 2026 Employees Credit Union is a credit union in Oklahoma. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oklahoma/employees) , verified from [Employees Credit Union's official website](https://employeesfed.com/) Loading branch locator… ## About Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.4K Assets $48.1M Founded 1954 Locations reported 3 NCUA charter 9715 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Western Sun** West Side Branch · Tulsa · OK · 74107 About 1.3 miles away](https://rateapi.dev/credit-unions/oklahoma/western-sun) [**Lifetime** Blue Cross Blue Shield Oklahoma · Tulsa · OK · 74119-3612 About 3.2 miles away](https://rateapi.dev/credit-unions/texas/lifetime) [**Energy One** TDT · Tulsa · OK · 74119 About 3.3 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**Oklahoma's** Tulsa - Downtown · Tulsa · OK · 74103-4215 About 3.3 miles away](https://rateapi.dev/credit-unions/oklahoma/oklahomas) [**Communication** Boston · Tulsa · OK · 74119-1604 About 3.5 miles away](https://rateapi.dev/credit-unions/oklahoma/communication) [**Westreet** Commercial Office · Tulsa · OK · 74103-3123 About 3.5 miles away](https://rateapi.dev/credit-unions/oklahoma/westreet) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Employees Credit Union Membership eligibility from Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, Sapulpa, The City of Tulsa elected and appointed officials, Tulsa Housing Authority, Tulsa Urban Renewal Authority, Tulsa City-County Library, Tulsa City-County Civil Defense, Tulsa Country Club, Goodwill, A New Leaf, The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa Tulsa County, Creek County, Osage County Sheriff’s Office The City of Tulsa elected and appointed officials, Tulsa Housing Authority Tulsa Urban Renewal Authority, Tulsa City-County Library, Tulsa City-County Civil Defense Tulsa Country Club, Goodwill, A New Leaf, Southwest Tulsa Chamber of Commerce Verified from [Employees Credit Union's membership page](https://employeesfed.com/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Employees Credit Union Employers 34 · Family 35 published paths to membership, last verified September 13, 2026, quoted from Employees Credit Union’s own published criteria. ### Employers 34 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of The City of Tulsa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of The City of Tulsa - Retired employee of The City of Tulsa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of The City of Tulsa - Employee of Bixby “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Bixby - Retired employee of Bixby “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Bixby - Employee of Catoosa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Catoosa - Retired employee of Catoosa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Catoosa - Employee of Claremore “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Claremore - Retired employee of Claremore “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Claremore - Employee of Glenpool “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Glenpool - Retired employee of Glenpool “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Glenpool - Employee of Jenks “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Jenks - Retired employee of Jenks “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Jenks - Employee of Mannford “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Mannford - Retired employee of Mannford “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Mannford - Employee of Sapulpa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Sapulpa - Retired employee of Sapulpa “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Sapulpa - Employee of Tulsa Housing Authority “Tulsa Housing Authority” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Tulsa Housing Authority - Employee of Tulsa Urban Renewal Authority “Tulsa Urban Renewal Authority” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Tulsa Urban Renewal Authority - Employee of Tulsa City-County Library “Tulsa City-County Library” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Tulsa City-County Library - Employee of Tulsa City-County Civil Defense “Tulsa City-County Civil Defense” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Tulsa City-County Civil Defense - Employee of The City of Tulsa elected and appointed officials “The City of Tulsa elected and appointed officials” > [source ↗](https://employeesfed.com/become-a-member) - Employee of The City of Tulsa elected and appointed officials - Retired employee of The City of Tulsa elected and appointed officials “The City of Tulsa elected and appointed officials” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of The City of Tulsa elected and appointed officials - Retired employee of Tulsa Housing Authority “Tulsa Housing Authority” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Tulsa Housing Authority - Retired employee of Tulsa Urban Renewal Authority “Tulsa Urban Renewal Authority” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Tulsa Urban Renewal Authority - Retired employee of Tulsa City-County Library “Tulsa City-County Library” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Tulsa City-County Library - Retired employee of Tulsa City-County Civil Defense “Tulsa City-County Civil Defense” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Tulsa City-County Civil Defense - Employee of Tulsa Country Club “Tulsa Country Club” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Tulsa Country Club - Retired employee of Tulsa Country Club “Tulsa Country Club” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Tulsa Country Club - Employee of Goodwill “Goodwill” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Goodwill - Retired employee of Goodwill “Goodwill” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of Goodwill - Employee of A New Leaf “A New Leaf” > [source ↗](https://employeesfed.com/become-a-member) - Employee of A New Leaf - Retired employee of A New Leaf “A New Leaf” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of A New Leaf - Retired employee of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa Tulsa County, Creek County, Osage County Sheriff’s Office The City of Tulsa elected and appointed officials, Tulsa Housing Authority Tulsa Urban Renewal Authority, Tulsa City-County Library, Tulsa City-County Civil Defense Tulsa Country Club, Goodwill, A New Leaf (as written on the source page) “Membership in Employees Federal Credit Union is extended to employees and retirees of: The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa Tulsa County, Creek County, Osage County Sheriff’s Office The City of Tulsa elected and appointed officials, Tulsa Housing…” > [source ↗](https://employeesfed.com/become-a-member) - Retiree of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa Tulsa County, Creek County, Osage County Sheriff’s Office The City of Tulsa elected and appointed officials, Tulsa Housing Authority Tulsa Urban Renewal Authority, Tulsa City-County Library, Tulsa City-County Civil Defense Tulsa Country Club, Goodwill, A New Leaf - Employee of Southwest Tulsa Chamber of Commerce “Southwest Tulsa Chamber of Commerce (employees and members)” > [source ↗](https://employeesfed.com/become-a-member) - Employee of Southwest Tulsa Chamber of Commerce ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member spouse, child, stepchildren, grandchild, parent, sibling, aunts, uncles, nieces, nephews, daughters-in-law, sons-in-law “Membership is also available to family members of these employees, retirees, and family members of our current members. Family is defined as a spouse, children, stepchildren, grandchildren, parents, brothers, sisters, aunts, uncles, nieces, nephews, daughters-in-law, and sons-in-law.” > [source ↗](https://employeesfed.com/become-a-member) - Family member (spouse, child, stepchildren, grandchild, parent, sibling, aunts, uncles, nieces, nephews, daughters-in-law, sons-in-law) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Employees Credit Union? Yes No ## Work at Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Employees Credit Union ranks against Oklahoma peers. - See which AI assistants fetched Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oklahoma - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=employees&state=oklahoma&code=OK&name=Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Employees Credit Union offer? Employees Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Employees Credit Union rates updated? RateAPI verifies Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Employees Credit Union's rate data? Rate data is collected directly from Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Employees Credit Union? Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 35 published membership paths covering 34 employers for Employees Credit Union, each quoted from Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Employees Credit Union's rates against national credit-union benchmarks. [More Oklahoma credit unions](https://rateapi.dev/credit-unions/oklahoma) [Oklahoma mortgage rate leaders](https://rateapi.dev/mortgage-rates/oklahoma) [Oklahoma auto loan rate leaders](https://rateapi.dev/auto-loan-rates/oklahoma) [Oklahoma HELOC rate leaders](https://rateapi.dev/heloc-rates/oklahoma) [Oklahoma personal loan leaders](https://rateapi.dev/personal-loan-rates/oklahoma) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://employeesfed.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oklahoma credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Employees Credit Union curl "https://api.rateapi.dev/credit-unions/oklahoma /employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Employees Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oklahoma/employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp