Green Country Federal Credit Union

Name

Green Country Federal Credit Union

Legal name

Green Country Federal Credit Union

Website

https://greencountryfcu.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Virtual / Digital-First Credit Cards (FSAKABAK)

Keywords

• Retail banking services
• Consumer lending
• Credit union deposits
• Home equity loans
• Small business banking

Headquarters

HQ city

Sand Springs

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest charged on loans including auto loans, home mortgages, HELOCs, personal loans, and business loans. Credit unions return earnings to members through better rates.
2. Fee-based Services: Various fees including Message Pay payment processing fee ($4.99 per payment), overdraft protection (Courtesy Pay), and other account-related services. Many accounts feature no monthly fees.
3. Member Share Deposits: Deposits from members (checking, savings, money market, Christmas club accounts) used to fund loans. Members are shareholders of the credit union.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core offering

Green Country Federal Credit Union is a not-for-profit, member-owned financial cooperative that provides full-service retail banking to individuals and small businesses in the Tulsa, Oklahoma metropolitan area. It offers deposit products (checking, savings, money market, Christmas Club), consumer and business loans (auto, mortgage, HELOC, personal, business), digital banking channels (mobile, online, voice, text), and value-added financial wellness tools including credit monitoring and financial education.

Product overview

Green Country Federal Credit Union operates as a full-service financial institution offering a comprehensive suite of banking products organized around core deposit accounts (Free Checking, Business Checking, Share Savings, Money Market, Christmas Club) and a youth-focused Building Blocks sub-brand. Digital banking is delivered through an integrated platform combining Mobile Banking App and Online Banking with Voice Banking and Text Banking access channels. The credit union's lending portfolio includes personal loans, Auto Smart vehicle financing, Home Loans & Refinance, and a Hybrid HELOC with competitive terms. Fee management tools include Skip-a-Pay, Bill Pay with same-day and overnight options, and Message Pay for external loan payments. Financial wellness features include Credit Sense for credit monitoring and Enrich for personalized financial education, both integrated into the digital banking experience. Small business services encompass Business Checking, Merchant Services, and Business Credit Cards. Access is expanded through CO-OP Shared Branching with 5,600+ locations and 30,000+ surcharge-free ATMs through the TransFund network. The credit union recently completed a merger with First Oklahoma FCU, adding the Glenpool and Midtown Tulsa branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking Basic share draft checking account with no monthly fees and no minimum balance, includes VISA debit card, online banking with free bill pay, mobile app, and Zelle P2P payments. Designed for individual consumer members.
• Business Checking Checking account for business members with no monthly fees and no minimum balance, includes ACH services and merchant services. Targeted at small business owners.
• Share Savings Interest-bearing savings account with $5 minimum balance requirement. Acts as the primary membership share account.
• Money Market Interest-earning savings account with tiered interest rates based on balance, with minimum balance required to earn top tiers of interest.
• Christmas Club Savings account designed for holiday expenses that earns interest with no minimum balance required.
• Building Blocks Kids Accounts Checking and savings accounts for children designed to teach financial habits early. Includes Building Blocks Kids Checking and Savings.
• Mobile Banking App Smartphone application on iOS and Android providing quick login with fingerprint or Face ID, instant balance viewing, mobile deposit, transfers, bill pay, and credit score access.
• Online Banking Web-based banking platform providing 24/7 access to account management, bill pay, transfers, loan applications, credit score viewing, budget tracking, and secure messaging.
• Voice Banking 24/7 automated phone banking at (877) 435-4370 for balance inquiries, available funds, check clearance status, loan payments, and account information.
• Text Banking SMS-based banking service by texting to 39872 for balance inquiries, transaction history, ATM/branch locations.
• Hybrid HELOC Home Equity Line of Credit with a 5-year fixed initial rate followed by adjustable rate, interest-only draw period of 5 years and 15-year repayment period. For homeowners needing flexible borrowing.
• Home Loans & Refinance Mortgage lending services including new home loans, refinancing, new construction, and land loans offered through an online mortgage platform.
• Auto Smart Auto search and financing service for new or used vehicles, RVs, trailers, and tractors. Provides vehicle search tools and financing options.
• Personal Loans Various personal loan products including new and used auto loans, personal loans, and share-secured loans for credit building.
• Bill Pay

Quantifiable outcome

• No monthly fees on most account types, providing cost savings compared to traditional banks
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• CO-OP Shared Branch NetworkcoreTechnology or IntegrationPartnership with CO-OP Shared Branch network providing members access to 5,600+ shared branch locations and 30,000+ surcharge-free ATMs nationwide. Enables members to conduct deposits, withdrawals, loan payments, and account inquiries at participating credit unions as if at their home branch.
• TransFund ATM NetworkcoreTechnology or IntegrationPartnership providing access to 40,000+ surcharge-free ATMs nationwide through TransFund network. Particularly concentrated in Tulsa Metro area with ATM access at QuikTrip locations and many financial institutions.
• ZellecoreTechnology or IntegrationIntegration of Zelle person-to-person payment service within online and mobile banking for fast, safe money transfers between bank accounts. Enables instant payments to friends and family.
• Enrich Financial Education PlatformsupportingTechnology or IntegrationPartnership providing personalized financial education platform free to all members. Includes financial checkup, money personality analysis, budgeting tools, and educational content tailored to member goals.
• Credit Sense (TransUnion/VantageScore)coreTechnology or IntegrationCredit monitoring and education tool powered by TransUnion credit data using VantageScore 3.0 model. Provides free credit scores, monitoring alerts, report access, and score simulator integrated into online and mobile banking.
• Message PaysupportingTechnology or IntegrationText and online payment platform for loan payments from external accounts. Provides monthly payment reminders via text and enables one-time payments with $4.99 fee per transaction.
• QuickBooks and Quicken IntegrationsupportingTechnology or IntegrationDirect Connect and Web Connect integration with Intuit financial software products (QuickBooks, Quicken, Mint) for automated account data synchronization and transaction downloads.
• QuikTrip ATM PartnershipsupportingTechnology or IntegrationATM access partnership providing surcharge-free withdrawals at QuikTrip convenience store locations throughout the Tulsa Metro area as part of TransFund network.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Verity Credit Union: Pacific Northwest community credit union of broadly similar asset size, offering full-service consumer/business banking, digital channels, and financial wellness tools. Useful size-and-model peer benchmark outside Oklahoma geography.
• TTCU Federal Credit Union: Tulsa-headquartered federal credit union serving the same Tulsa MSA, offering consumer and business banking, lending, and digital channels. Direct geographic and product overlap with Green Country FCU, but larger in scale.
• Oklahoma Central Credit Union: Tulsa-based community credit union offering comparable consumer checking/savings, lending, and digital banking. Direct head-to-head competitor for Tulsa MSA membership and small business relationships.
• First Oklahoma Federal Credit Union: Former peer that merged into Green Country in June 2026. Historically a direct Tulsa-area community credit union competitor; integration now under way rather than head-to-head competition.

Broad incumbents

• BOK Financial (Bank of Oklahoma): Tulsa-headquartered regional bank holding company. Competes for the same consumer and small business banking relationships in Tulsa MSA, but at much larger scale and with commercial banking depth.
• Tinker Federal Credit Union: Oklahoma's largest credit union with statewide presence, full-service consumer/business banking, mortgage, and wealth services. Overlaps with Green Country across product lines but operates at significantly greater scale and geographic breadth.
• Arvest Bank: Northwest Arkansas-based community bank with significant Oklahoma presence. Competes for consumer checking, mortgage, and small business relationships across the Tulsa region but operates a broader multi-state footprint.
• Alliant Credit Union: Large digital-first credit union serving members nationwide. Comparable no-fee checking, mobile app sophistication, and lending suite, but at national scale with no geographic constraint — a competitive benchmark for Green Country's digital investment.

Others

• CO-OP Financial Services: The core infrastructure provider for Green Country's shared branching (5,600+ locations), CO-OP ATM network, and IDCheck verification. An ecosystem enabler rather than direct competitor, but a strategically critical partner.

Regional players

• Mazuma Credit Union: Community credit union serving the Kansas City metro. Comparable in size and member-owned, no-monthly-fee model, though geographically distinct; relevant as a near-size peer benchmark for community CU performance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Greencountryfcu
• Instagraminstagram.com/greencountryfcu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Green Country Federal Credit Union