Fort Sill Federal Credit Union
Fort Sill Federal Credit Union is a federally chartered, member-owned cooperative founded in 1956 and headquartered in Lawton, Oklahoma. It provides deposit, consumer lending, and digital banking services to consumers, small businesses, and military communities across 22 Oklahoma counties and 7 Texas counties.
- Company typePrivate
- Founded1956
- HeadquartersLawton, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Fort Sill Federal Credit Union does
Fort Sill Federal Credit Union (Fort Sill FCU) is a federally chartered, member-owned, not-for-profit cooperative financial institution founded in 1956 and headquartered in Lawton, Oklahoma. It serves consumers, small businesses, military personnel affiliated with Fort Sill, and select employee groups across a defined field of membership covering 22 Oklahoma counties and 7 Texas counties, operating four physical branches concentrated in the Lawton/Fort Sill region and participating in the CO-OP shared branching network for out-of-area member service.
The institution's core product suite spans deposit products (savings, checking, money market, share certificates, IRAs), consumer lending (auto, mortgage, personal, recreational vehicle, signature, storm shelter, and Payday Alternative Loans), and credit cards. Digital delivery infrastructure includes online and mobile banking, Zelle peer-to-peer payments, voice biometric authentication (Voice ID), a virtual assistant ("Benny Bot"), and Cloudflare Turnstile bot protection. Account opening and loan origination run through a cloud-based Lending360 platform. The credit union partners with third-party providers including GreenPath for financial counseling and TruStage for insurance and wealth services, indicating ecosystem orchestration rather than vertical integration.
Revenue mechanics follow the standard credit union model: net interest margin on the loan portfolio, deposit-driven fee revenue, interchange income from card transactions, and ancillary service fees. As a cooperative, Fort Sill FCU does not generate equity returns; surplus is redistributed to members via competitive deposit rates, loan pricing, and reduced fees, and reinvested into digital infrastructure, product expansion, and field-of-membership growth. No public financial disclosure (NCUA call report metrics, asset size, NIM, or ROA) is available in the input, so scale and unit economics remain directional.
Fort Sill Federal Credit Union firmographics
Firmographics- Name
- Fort Sill Federal Credit Union
- Legal name
- Fort Sill Federal Credit Union
- Website
- https://fsfcu.com
- Company type
- Private
- Founded year
- 1956
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Fort Sill Federal Credit Union is a federally chartered, member-owned cooperative founded in 1956 and headquartered in Lawton, Oklahoma. It provides deposit, consumer lending, and digital banking services to consumers, small businesses, and military communities across 22 Oklahoma counties and 7 Texas counties.
- Ownership category
- akta.pro rank
Fort Sill Federal Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Military & Veterans Credit Unions (FSABAEAI)
- akta.pro secondary industry
- Employer/Occupational Credit Unions (FSABAEAB)
Keywords
Where Fort Sill Federal Credit Union is headquartered
LocationHeadquarters
- HQ city
- Lawton
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Fort Sill Federal Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest Income: Interest earned on vehicle loans, mortgage loans, personal loans, credit cards, and other lending products. Primary revenue driver with competitive rates offered to members.
- Fee-Based Services: Various fees including overdraft fees ($22), non-sufficient funds ($22), wire transfers ($22 domestic, $75 international), ATM fees ($2 for non-FSFCU ATMs), dormant membership fees ($5/month), and service fees.
- Deposit Account Revenue: Revenue generated from deposit accounts including Traditional Savings, IRA Accounts, Share Certificates, and Checking accounts. Savings rates and dividends paid to members from overall credit union revenue.
- Credit Card Revenue: Interchange revenue and interest from VISA credit card products including Classic, Gold, and Platinum tiers with uChoose Rewards program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic Savings Account |
| Other | Monthly | Checking Account Services |
| Transaction based/ take rate | Monthly | Vehicle Loans |
| Transaction based/ take rate | Monthly | Personal Loans |
| Transaction based/ take rate | Monthly | Storm Shelter Loans |
| Transaction based/ take rate | Pay-as-you-go | Payday Alternative Loan (PAL) |
| Transaction based/ take rate | Pay-as-you-go | Electronic Banking Fees |
| Transaction based/ take rate | Pay-as-you-go | Bill Pay Services |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfers |
| Subscription | Annual | Share Certificate |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
Fort Sill Federal Credit Union product offering
Product offeringCore offering
Fort Sill Federal Credit Union (FSFCU) is a federally chartered, member-owned not-for-profit credit union providing retail banking products and lending services to individuals who live, work, worship, or attend school across 22 Oklahoma counties and 7 Texas counties. Core offerings include savings accounts, checking accounts, IRAs, share certificates, auto loans, mortgages, personal loans, credit cards, and digital banking channels including mobile app, online banking, and 24/7 virtual assistant support.
Product overview
Fort Sill Federal Credit Union offers a comprehensive suite of financial products and digital banking services for its members. The core offerings include traditional savings and checking accounts (Traditional Savings, IRA, Share Certificates, Youth Savings, DEBIT Plus, SILVER Plus, PREMIUM Plus, SIMPLE Checking), loan products (Auto Loans, Personal 'Whatever' Loans, Mortgage Loans, Student Loans via Sallie Mae, Storm Shelter Loans, Payday Alternative Loans), and Credit Cards (VISA with Classic/Gold/Platinum tiers). Digital banking services include Online Banking, Mobile Banking app with Card Control, Bill Pay, Zelle peer-to-peer payments, Benny Bot virtual assistant (with voice capability launching July 2026), Voice ID biometric authentication, and STAR Telephone Teller. Additional services include ATM/Debit Cards, CO-OP Shared Branching, Overdraft Privilege, GAP Protection, GenGold rewards, uChoose Rewards, Safety Net Debt Protection, Mobile ATM for events, and community programs including scholarships and annual Charity Golf Tournament. FSFCU also partners with GreenPath Financial Wellness and TruStage Insurance to provide members with financial education and insurance products.
Differentiator
Problem solved
Functional benefit
Brands
- Benny Bot: Virtual associate available 24/7 to provide instant help and fast answers to financial questions via chat or voice interaction.
- CarPlus
- CashPlus
- GenGold
- PAL (Payday Alternative Loan)
Products and services
- Traditional Savings
- IRA Accounts
- Share Certificates
- Youth Savings
- DEBIT Plus Checking
- SILVER Plus Checking
- PREMIUM Plus Checking
- SIMPLE Checking
- Auto Loans
- Personal 'Whatever' Loan
- Mortgage Loans
- Student Loans
- Storm Shelter Loans
- Payday Alternative Loan (PAL)
- Credit Cards
- Secured Credit Cards
- Online Banking
- Mobile Banking
- Bill Pay
- Zelle
- Benny Bot
- Voice ID
- ATM / Debit Cards
- CarPlus
- Overdraft Privilege
- GenGold
- uChoose Rewards
Quantifiable outcome
- Vehicle loans as low as 4.74% APR
- +4 more outcomes
Companies that use Fort Sill Federal Credit Union
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Fort Sill Federal Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability4 records
Feature5 records
Fort Sill Federal Credit Union partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- TruStage Insurance AgencycoreTruStage Insurance provides insurance products including life, auto, home, and accidental death and dismemberment insurance exclusively available to credit union members. Partnership spanning over 80 years, with products designed specifically for FSFCU members.
- GreenPath Financial WellnesscoreGreenPath provides free financial counseling, educational resources, webinars, and the LearningLab+ platform to help members manage debt, improve credit scores, and achieve financial stability.
- Sallie MaecoreStudent loan partnership providing Smart Option Student Loans to help members fund higher education. FSFCU refers members to Sallie Mae for education financing.
- CO-OP Shared Branch NetworkcoreNationwide shared branching network providing FSFCU members access to thousands of credit union branches for inquiries, deposits, withdrawals, transfers, and loan payments.
- ZellecorePerson-to-person payment integration within online and mobile banking allowing members to send money quickly using email or mobile phone number to anyone with a U.S. bank account.
- CloudflarecoreCloudflare Turnstile cybersecurity product implemented to prevent bot attacks and fraudulent login attempts on online and mobile banking systems. Verifies 80-90% of logins without user action.
- Lending360coreOnline account opening and loan application platform enabling members to open accounts and apply for loans digitally through fsfcuonline-cloud.lending360.com.
- BanzaiminorFinancial education platform providing educational tools that emphasize practical skills in budgeting, spending habits, planning ahead, and money management for members.
- File ThirteenminorDocument shredding service provider for free community shred events held at FSFCU headquarters branch.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
Fort Sill Federal Credit Union competitors and assessment
Company assessmentBroad incumbents
- Pentagon Federal Credit Union: National military-affiliated credit union with broad community FOM. Competes with FSFCU on digital banking capability and national reach, particularly for tech-savvy service members.
- Bank of Oklahoma (BOK Financial): Large regional commercial bank headquartered in Tulsa with significant presence across Oklahoma. Competes for consumer deposits, mortgages, and auto loans in the same geographic footprint as FSFCU's expanded FOM.
- Navy Federal Credit Union: Largest U.S. military credit union, serving all branches of armed services with national FOM. Competes for the same Fort Sill military members and represents the dominant incumbent in defense credit union space.
Direct peers
- Langley Federal Credit Union: Virginia-based defense credit union serving military and civilian personnel around Joint Base Langley-Eustis. Closely comparable military-affiliated charter, digital banking investments, and member-ownership structure.
- Tinker Federal Credit Union: Oklahoma-based federal credit union serving Tinker AFB and surrounding communities with similar military roots, multi-county FOM, full digital banking, and consumer loan products. Closest direct comparable on geography and member profile.
- Security Service Federal Credit Union: Large Texas-based federal credit union with military and community membership across multiple Texas counties overlapping FSFCU's Texas FOM. Similar product breadth (auto, mortgage, credit cards) and digital banking.
- Randolph-Brooks Federal Credit Union: Texas-based federal credit union serving Joint Base San Antonio and broader Texas communities. Comparable military heritage, expanded community FOM, and similar deposit/loan product suite.
- Oklahoma Federal Credit Union: Oklahoma community credit union with multi-county FOM in the Oklahoma City metro. Direct competitor for general community members across overlapping Oklahoma counties.
- Credit Union of Oklahoma: Oklahoma community credit union serving select employer groups and community members. Comparable in scale, product set, and digital channel maturity.
Emerging players
- Alliant Credit Union: Digital-first credit union with broad community FOM and strong online/mobile experience. Represents the emerging digital competitor cohort FSFCU is investing (Benny Bot, Voice ID) to defend against.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Fort Sill Federal Credit Union social profiles
Digital presenceFort Sill Federal Credit Union compliance and trust
Trust signalCompliance1 record
Fort Sill Federal Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fort Sill Federal Credit Union leadership team
Management profileNumber of profiles
Profiles16 records
Fort Sill Federal Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fort Sill Federal Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fort Sill Federal Credit Union
What does Fort Sill Federal Credit Union do?
Fort Sill Federal Credit Union (FSFCU) is a federally chartered, member-owned not-for-profit credit union providing retail banking products and lending services to individuals who live, work, worship, or attend school across 22 Oklahoma counties and 7 Texas counties. Core offerings include savings accounts, checking accounts, IRAs, share certificates, auto loans, mortgages, personal loans, credit cards, and digital banking channels including mobile app, online banking, and 24/7 virtual assistant support.
Is Fort Sill Federal Credit Union a public or private company?
Fort Sill Federal Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Fort Sill Federal Credit Union founded?
Fort Sill Federal Credit Union was founded in 1956. It employs 51 to 100 people.
Where is Fort Sill Federal Credit Union based?
Fort Sill Federal Credit Union is headquartered in Lawton, United States, in the North America region.
How does Fort Sill Federal Credit Union make money?
Four revenue lines are on record. Loan Interest Income is the primary driver. The others are fee-Based Services, deposit Account Revenue and credit Card Revenue.
Who are Fort Sill Federal Credit Union's main competitors?
Broad incumbents on record are Pentagon Federal Credit Union, Bank of Oklahoma (BOK Financial) and Navy Federal Credit Union. Direct peers are Langley Federal Credit Union, Tinker Federal Credit Union, Security Service Federal Credit Union, Randolph-Brooks Federal Credit Union, Oklahoma Federal Credit Union and Credit Union of Oklahoma. Alliant Credit Union is listed as an emerging player.
Does Fort Sill Federal Credit Union have an API?
No public API is recorded for Fort Sill Federal Credit Union.
What industry is Fort Sill Federal Credit Union in?
Fort Sill Federal Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAI, Military & Veterans Credit Unions, with a secondary code of FSABAEAB, Employer/Occupational Credit Unions. Its NAICS code is 52213 and its SIC code is 6035.