Credit Union One of Oklahoma

What Credit Union One of Oklahoma does

Credit Union One of Oklahoma is a member-owned, federally insured community credit union headquartered in Oklahoma City, Oklahoma. Founded in 1949 to serve employees of Oklahoma state agencies and granted a community charter in May 2003, it now serves anyone who resides, works, worships, or attends school in the six-county Oklahoma City Metropolitan Statistical Area (Canadian, Cleveland, Logan, McClain, Oklahoma, and Pottawatomie counties). The institution operates three physical branches (Lincoln, Quail, and Sequoyah) and supports more than 40 employer and organizational partners across Oklahoma.

The credit union's product portfolio spans deposit accounts (Share Savings, Share Certificates, IRA products, Club Savings, and minor accounts), three tiers of checking (Free, Rewards, and Investor with Stock Rewards+), and a full lending suite including auto loans, home equity loans, first mortgages (sourced through The Servion Group), personal and specialty loans (Storm Shelter, Credit Builder, Bucket List), and VISA Platinum and Secured credit cards. Distribution is hybrid: members can open accounts and apply for loans digitally through Lending360 and CUDL integrations, access services in-branch, or use the Co-op shared branching network and 33,000+ fee-free ATMs via Transfund. Differentiated features include Bits of Stock integration for micro-investing in checking accounts, the Credit Mountain–powered Credit Climber credit-building platform, and community-oriented products such as a 1.99% APR Storm Shelter Loan and the Tom J. Case Memorial Scholarship.

Revenue is primarily generated through interest income on the loan portfolio (net interest spread between loan yields and deposit dividend rates), supplemented by account and transaction fees (monthly checking fees, overdraft, ATM and wire charges). The credit union does not publicly disclose revenue; it is a private cooperative without external equity investors, and its growth strategy is centered on product diversification (minor accounts, credit-building tools, fintech-enhanced checking) rather than geographic expansion.

Name

Credit Union One of Oklahoma

Legal name

Credit Union One of Oklahoma

Website

https://cuoneok.org

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Union One of Oklahoma is a member-owned, NCUA-insured community credit union founded in 1949, serving consumers across the six-county Oklahoma City MSA through three branches, a digital banking platform, and fintech-enabled deposit and lending products.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Deposit accounts
• Mortgage financing

Headquarters

HQ city

Oklahoma City

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue from interest earned on auto loans, home equity loans, mortgages, personal loans, and credit cards. Rates vary by product type, term, and creditworthiness.
2. Account and Transaction Fees: Monthly maintenance fees on checking accounts, overdraft fees, ATM fees, wire transfer fees, and other service charges
3. Share Certificate and Savings Products: Interest paid to members on deposits; spread between loan interest rates and savings dividend rates generates revenue

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Credit Union One of Oklahoma is a community-chartered credit union providing full-service consumer banking, including deposit accounts (savings, checking, IRAs, share certificates), consumer lending (auto, home equity, mortgages, personal, credit cards), and digital banking services. It serves members across the Oklahoma City metropolitan area through three branch locations, online and mobile platforms, and a fee-free ATM network.

Product overview

Credit Union One of Oklahoma operates as a full-service financial institution offering a comprehensive suite of banking products and services. The core portfolio centers on deposit accounts (Share Savings, Share Certificates, IRA products, Club Savings) and checking accounts (Free, Rewards with MyRewards+, and Investor Checking with Stock Rewards+). Lending products span auto loans, secured loans for recreational vehicles, personal loans including specialty products (Storm Shelter, Credit Builder, Bucket List), VISA credit cards (Platinum and Secured), and mortgage products including home equity, first mortgage through The Servion Group partnership, and home improvement loans. The credit union differentiates through fintech integrations with Bits of Stock for investment features, Credit Mountain for credit-building tools, and innovative minor accounts (SmartSaver and SavvySpender) targeting young savers. Additional member services include financial calculators, scholarship programs, financial literacy resources, and repo vehicle sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings Account Primary savings account establishing credit union membership with a $25 minimum deposit; earns tiered dividend rates on balances of $100 or more.
• Share Certificates Term deposit accounts with competitive rates ranging from 182 days to four years, minimum deposits varying by term, monthly dividends, and automatic renewal.
• Club Savings / Christmas Club Specialized savings accounts for specific financial goals; Christmas Club matures annually on November 16 with a $10 early withdrawal fee.
• IRA Certificates and IRA Accumulation Individual retirement accounts available as certificates (1-4 year terms with $500 minimum) or accumulation accounts (no maturity, tiered rates, $25 minimum). Includes Roth IRA and Coverdell Education ESA.
• Free Checking No-monthly-fee checking account with contactless VISA Debit Card, online/mobile banking, remote check deposit, bill pay, eStatements, Apple Pay, Google Pay, and optional Invest the Rest stock round-up feature via Bits of Stock.
• Rewards Checking with MyRewards+ High-yield dividend checking earning up to 2.50% APY on balances up to $10,000 with MyRewards+ debit card rewards; requires 25 debit card transactions, $1,500+ direct deposit, and eStatements; includes one NSF fee refund per month.
• Investor Checking with Stock Rewards+ Premium checking combining up to 5.00% APY on balances up to $10,000 with 1% fractional stock/ETF rewards (up to $20/month), unlimited commission-free trading, and stock round-ups.
• SmartSaver Savings Minor savings account earning up to 3.00% APY on balances between $100-$1,000; includes $25 deposit match on opening, birthday deposits equal to account holder's age, and monthly $25 drawings.
• SavvySpender Checking Minor checking account earning up to 3.00% APY on balances between $100-$1,000; automatically enrolled in MyRewards+ debit rewards program with 2,500 bonus points for using debit card 5+ times in first 45 days.
• Auto Loans New, used, and refinance auto loans with rates starting at 3.24% APR for 2023+ vehicles (up to 36 months). Includes indirect lending through dealerships and pre-approval options. EV receives 0.50% APR reduction; hybrids receive 0.25% reduction.
• Secured Loans (RV, Boat, Motorcycle, ATV, Personal Watercraft) Recreational vehicle financing up to 100% and 120 months for RVs and boats; motorcycle, ATV, and personal watercraft loans up to 100% financing with terms up to 84 months.
• Personal Loans Unsecured signature loans at 9.99% APR for 12-48 months; includes seasonal 12-12-12 Holiday Loan offering $1,200 at 12.00% APR over 12 months.
• Storm Shelter Loan Fixed-rate loan for storm shelter installation at 1.99% APR for up to 36 months or 2.99% APR for 37-60 months, maximum borrowing of $5,000.
• Credit Builder Loan Secured loan placing $2,000 on hold in savings; member makes monthly payments over 24 months and funds become available at loan completion, designed to boost credit scores with on-time payment reporting.
• Bucket List Loan

Quantifiable outcome

• Auto loans as low as 3.24% APR
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• The Servion GroupcoreStrategic or Co-development PartnerPartnership with The Servion Group to provide first mortgage financing options including Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo/Non-Conforming Loans, Fixed Rate, and ARM products. The Servion Group provides responsive service, competitive rates, and support through the entire homebuying process.
• Credit MountaincoreTechnology or IntegrationPartnership to offer Credit Climber, a free digital credit-building platform designed specifically for credit union members. Provides personalized credit goals, custom action plans, educational resources, and real-time progress tracking to help members improve creditworthiness.
• Bits of StockcoreTechnology or IntegrationFintech partner providing the Bits of Stock platform integrated into Free, Rewards, and Investor Checking accounts. Enables stock round-up investing, fractional stock rewards, and commission-free trading features for members.
• Co-op Credit UnionsminorChannel Partner/ Reseller/ DistributorShared branching network allowing members to conduct transactions at other participating credit unions nationwide
• truSTAGEminorGTM or Marketing PartnerHome and auto insurance provider offering discounts and services for credit union members through Love My Credit Union rewards program

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Members 1st Federal Credit Union: Community-chartered credit union offering deposit and consumer loan products to a defined regional membership. Comparable in scale, charter structure, and full-service community banking model.
• Oklahoma Central Credit Union: Statewide Oklahoma community credit union offering consumer banking, lending, and digital services. Directly comparable size, charter type, and product breadth as a community-chartered peer.
• First Oklahoma Credit Union: Oklahoma-based community credit union providing deposit and consumer loan products in the same regional market. Comparable scale and community-chartered structure competing for overlapping members.
• WEOKIE Credit Union: Oklahoma-based community credit union offering full-service consumer banking and lending in the OKC metro. Direct competitor for members within the same six-county Oklahoma City MSA.
• Tinker Federal Credit Union: The largest credit union headquartered in Oklahoma City, serving the OKC metro and statewide. Directly comparable community-chartered credit union competing for the same Oklahoma City MSA members across deposit and loan products.
• Communication Federal Credit Union: Oklahoma-based community credit union headquartered in the OKC area with similar consumer lending and deposit product suite. Direct competitor for members in overlapping Oklahoma City geography.

Broad incumbents

• Arvest Bank: Regional community bank with significant Oklahoma City and statewide branch presence. Competes for consumer deposits, mortgages, and consumer lending within the same OKC geography.
• BancFirst: Oklahoma-headquartered state commercial bank with statewide branch network. Competes for the same OKC deposit and consumer loan customers as a broader incumbent with deeper branch reach and commercial banking capabilities.

Emerging players

• Connexus Credit Union: Nationwide community-chartered credit union offering high-yield checking and consumer lending. Comparable consumer-facing product design and digital strategy, though operating at materially larger scale and broader geography.
• Alliant Credit Union: Community-chartered credit union offering free checking, consumer lending, and digital onboarding nationwide. Comparable in community-charter status and digital-first member acquisition, but with substantially larger asset base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CUOneOK

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Credit Union One of Oklahoma