TTCU

What TTCU does

TTCU Federal Credit Union is a not-for-profit, member-owned cooperative financial institution headquartered in Tulsa, Oklahoma, founded in 1934 and operating as the second-largest credit union in the state. It serves more than 153,000 members — primarily teachers, education workers, students, and members of 800+ affiliated groups — through 20 branches spanning the Tulsa to Oklahoma City corridor, a digital banking platform (web and mobile apps), and the CO-OP Shared Branching network that grants access to 5,700+ credit unions nationwide. Its core technology stack combines a Q2-powered mobile and online banking platform with third-party integrations including Zelle for person-to-person payments, Apple Pay/Google Wallet/Samsung Pay for tokenized card transactions, CUDL AutoSMART for dealer-based auto lending, and Zogo for gamified financial education.

The product portfolio spans deposit products (Free, Classic, Fresh Start, and Teen Checking; Savings, Certificate, Money Market, IRA, Kids' Savings Club, and LevelUp round-up Savings), consumer and mortgage lending (First/Second Mortgage, HELOC, Construction and Land Loans, Auto Loans and Refinance, Recreation and Personal Loans), and a Visa credit card lineup (Platinum, CashBack, DreamBuilder). Digital services include mobile check deposit, bill pay, credit score monitoring with simulator, card controls with lock/unlock and travel notices, and the four-tier Member Rewards program (Silver/Gold/Platinum/Diamond), which returned $3.8 million in dividends to members in 2025.

The business model is the standard credit union cooperative model: earnings come primarily from net interest margin on the loan portfolio (mortgages, auto, consumer, credit cards), supplemented by transaction and account fees (e.g., $10/month Fresh Start service fee, $24 overdraft fees) and interchange. As a 100% member-owned entity, surplus is returned to members via higher savings dividends, lower loan rates, and rewards rather than distributed to shareholders. Distribution is community-led, anchored by the trademarked School Pride program (90+ school-branded debit cards contributing $3M+ in cumulative donations to schools), the TTCU Cares Foundation, teacher grants ($58,735 awarded to 16 educators in 2023), and partnerships with United Way and large school districts such as Oklahoma City Public Schools.

Name

TTCU

Legal name

TTCU Federal Credit Union

Website

https://ttcu.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

251–500 employees

Short description

TTCU Federal Credit Union is a not-for-profit, member-owned cooperative and the second-largest credit union in Oklahoma, serving 153,000+ members — primarily teachers and education-affiliated groups — across 20 branches from Tulsa to Oklahoma City with full-service deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

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

Keywords

• Retail credit union
• Consumer lending services
• Member-owned banking
• Mortgage and auto loans
• Community financial services

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: TTCU earns interest income from lending activities including mortgage loans, auto loans, personal loans, credit cards, and other credit products. As a not-for-profit credit union, profits are returned to members through lower loan rates and higher savings dividends.
2. Fee Income: Various fee-based services including monthly service fees on accounts (e.g., $10/month for Fresh Start Checking), overdraft fees ($24 per transaction), and other account-related charges.
3. Member Dividends: As a not-for-profit cooperative, TTCU returns earnings to members through dividend payments on savings and reward programs. In 2025, $3.8 million was returned in Member Rewards dividends to qualifying members.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

TTCU Federal Credit Union is a not-for-profit, member-owned cooperative that provides consumer depository, lending, and digital banking services to teachers, education workers, and affiliated group members in Oklahoma. Its core offerings include checking accounts, savings and certificate accounts, mortgages, home equity, construction, land, auto and personal loans, Visa credit cards, and digital banking through online, mobile, bill pay, and digital wallet channels. Members also receive rewards dividends, overdraft protection, and access to financial counseling and financial wellness tools.

Product overview

TTCU Federal Credit Union is the second-largest credit union in Oklahoma serving over 153,000 members through a comprehensive banking platform. The product portfolio includes core deposit products (Free, Classic, Fresh Start, and Teen Checking accounts), savings products (Savings, Certificate, Money Market, IRA, Kids' Savings Club, and LevelUp accounts), credit products (First and Second Mortgages, HELOC, Construction and Land Loans, Auto Loans with AutoSMART dealer network, Recreation Loans, Personal Loans, and Visa Credit Cards including Platinum, CashBack, and DreamBuilder variants), and digital banking services (Online and Mobile Banking, Bill Pay, Mobile Check Deposit, Financial Wellness with Credit Score tracking, Card Controls, Member Rewards, and Overdraft Protection). The company differentiates through community programs including School Pride Debit Cards (90+ school-branded cards with $3M+ donated), teacher grants, and the TTCU Cares Foundation. Digital services include Zelle instant transfers, Apple Pay/Google Wallet/Samsung Pay integration, Zogo financial education app, and CO-OP Shared Branching access to 5,700+ credit unions nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking Core checking account with no monthly service fee, free Visa debit card, free online banking, free mobile banking, and free eStatements, available to TTCU members in Oklahoma.
• Classic Checking Standard checking account offering full access to TTCU banking services including online and mobile banking for members.
• Fresh Start Checking Second-chance checking account for members who have struggled financially in the past, featuring free ATM access, free Bill Pay, free online and mobile banking, free eStatements, unlimited check writing, free Visa debit card, and Courtesy Pay up to $200.
• Teen Checking Checking account designed for teenagers, providing a Visa Check Card and a $50 incentive after seven debit card transactions over two consecutive months.
• Savings Account Basic share savings account with competitive dividend rates that serves as the foundation account for membership and links to other TTCU accounts.
• Certificate Term-share certificate accounts that lock in higher dividend rates for specified periods from months to years.
• Money Market Money market savings account offering higher dividends than regular savings with continued liquidity.
• IRA (Individual Retirement Account) Tax-advantaged retirement savings accounts including Traditional and Roth IRA options with competitive rates.
• Kids' Savings Club Savings account for children with age-appropriate features to encourage early savings habits and eligibility for Youth Savings Month promotions.
• LevelUp Account Savings account linked to checking that automatically rounds up debit card purchases to the nearest dollar and deposits the difference into savings, enabling passive saving.
• First Mortgage Primary home loan product for purchasing residential property, available with various term options and competitive rates.
• First Time Home Buyer Loan Mortgage product designed for first-time homebuyers with low to no down payment requirements and multiple loan options.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, allowing borrowers to draw funds as needed up to a specified limit.
• Auto Loans Vehicle financing for new and used vehicles through TTCU's preferred AutoSMART dealer network, with competitive rates and local service.
• Auto Refinance Refinancing for existing auto loans, currently offering half a point off posted rates for refinanced vehicles.
• Personal Loan Unsecured personal loans for various personal purposes with flexible terms and competitive rates.
• Visa Platinum Credit Card Platinum-level credit card with competitive rates and standard credit card features on the Visa network.
• Visa CashBack Credit Card Credit card offering cash back rewards on purchases made on the card.
• Visa DreamBuilder Platinum Credit Card Platinum credit card designed to help members build credit with features supporting credit improvement.
• Online Banking Web-based banking platform enabling account access, fund transfers, bill pay, credit score tracking, financial wellness tools, and account management.
• Mobile Banking App iOS and Android mobile application providing full banking functionality including account access, mobile check deposit, Zelle transfers, and financial wellness features.
• School Pride Visa Debit Cards Branded debit cards supporting schools with 90+ designs; TTCU has donated over $3 million to schools through the program.
• Member Rewards Four-tier rewards program (Silver, Gold, Platinum, Diamond) where accounts work together to earn free services, waived fees, and Reward Dividends; $3.8 million returned to qualifying members in 2025.

Quantifiable outcome

• $3.8 million in Member Rewards dividends returned to members in 2025
• +3 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

Integration8 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Oklahoma City Public Schools (OKCPS)coreStrategic or Co-development Partner · 1 April 2026TTCU donated $25,000 to Oklahoma City Public Schools to support the launch of the School Pride debit card program, enabling students and families to show school pride while banking with TTCU.
• CO-OP Shared BranchingcoreChannel Partner/ Reseller/ DistributorTTCU is part of the CO-OP Shared Branching network, a group of more than 5,700 credit unions across the U.S. where members can conduct business at any participating location. This partnership enables members to access branch services when traveling outside the Tulsa to Oklahoma City service area.
• Integrity Title and Closing, LLCcoreStrategic or Co-development PartnerIntegrity Title and Closing, LLC is TTCU's affiliate company for title and closing services, providing integrated mortgage and home lending services for members.
• CUDL Auto Smart (AutoSMART)coreTechnology or IntegrationTTCU uses CUDL Auto Smart's AutoSMART platform as a preferred lender for vehicle dealers in Oklahoma. The platform enables dealers to offer TTCU financing options and members to shop for vehicles online.
• United WayminorStrategic or Co-development PartnerTTCU participates in United Way charitable giving and workplace giving campaigns as part of its community involvement and social responsibility initiatives.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Oklahoma's Credit Union: Oklahoma-based community credit union offering deposit, lending, and digital banking services in the same Tulsa-Oklahoma City corridor. Comparable scale, cooperative structure, and member-owned model.
• Tinker Federal Credit Union: Largest credit union in Oklahoma, serving members across the state with a similar full-service retail and lending product suite. Most direct competitor to TTCU given overlapping Oklahoma geography and employer-based membership roots.
• First Technology Federal Credit Union: Large technology and education employee-affiliated credit union with national reach. Similar employer/affiliated-group membership model and digital banking emphasis.
• SchoolsFirst Federal Credit Union: California's largest credit union serving school employees and education community members. Closest analog by employer-based (education) membership model and community mission.
• University Federal Credit Union: Texas-based credit union serving university and education-affiliated members. Comparable education-employer membership focus, product breadth, and community program strategy.
• Credit Union of Oklahoma: Statewide Oklahoma credit union offering personal and mortgage lending, savings, and digital banking. Directly competes with TTCU for member households in overlapping service areas.

Emerging players

• Connexus Credit Union: Nationally expanding digital credit union offering high-yield deposits and lending products online. Competitive threat to TTCU's deposit and lending economics via digital-first onboarding outside Oklahoma.

Broad incumbents

• Alliant Credit Union: Large national digital-first credit union serving a broad membership base including select employee groups. Comparable on digital banking sophistication and full-service lending products, but operates at much greater national scale.
• Navy Federal Credit Union: Largest U.S. credit union by assets serving military-affiliated members. Overlapping cooperative, employer-affiliated membership model and full-service product suite, but vastly larger scale and geographic footprint.
• Boeing Employees Credit Union (BECU): Washington-state-headquartered employer-affiliated credit union with member base exceeding 1M. Comparable employer-based membership roots and full-service banking, but operates regionally outside Oklahoma.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/TTCU
• YouTubeyoutube.com/user/TTCUCreditUnion
• Facebookfacebook.com/TTCUCreditUnion
• Instagraminstagram.com/ttcucreditunion

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 TTCU