Endurance Federal Credit Union

What Endurance Federal Credit Union does

Endurance Federal Credit Union is a federally chartered, member-owned cooperative financial institution headquartered in Duncan, Oklahoma, serving consumers and Select Employee Group members across 37 counties in Oklahoma and Texas. Originally chartered on August 12, 1960 as Duncan Industrial Services Credit Union to serve Halliburton and other oilfield employees, the institution was renamed Halliburton Employees' Credit Union in 1969, and rebranded to Endurance Federal Credit Union in 2018 to position itself as a community-based cooperative rather than a single-employer affinity institution. In May 2020, the NCUA approved a charter amendment expanding the field of membership to include 29 additional Texas counties and 8 towns alongside the existing 9 Oklahoma counties, materially widening the addressable market.

The credit union's product set spans deposit products (Premium Cash Checking earning up to 4.00% APY, Advantage Checking at $3.50/month, Premium Cash Back Checking with 3% cash back on debit purchases, share savings, money market, and share certificates yielding 2.65-4.10% APY), lending products (auto loans from 4.50% APR, home loans, personal loans, credit cards, and credit builder loans), insurance through a wholly owned subsidiary (Endurance FCU Insurance Agency, LLC, distributing TruStage products), and investment services via a partnership with CUE Financial / Osaic Wealth. Distribution combines four Oklahoma branches (Duncan x2, Elk City, Weatherford), an iOS/Android mobile app and 24/7 online banking platform, digital wallet support, the CUDL AutoSmart dealer network, and the CO-OP shared branching network providing access to 5,000+ service centers and 30,000+ surcharge-free ATMs nationwide.

Revenue is generated primarily through net interest income on the loan portfolio, supplemented by transaction and account fees (overdraft at $25/item, wire transfers, account maintenance, safe deposit box rental) and commissions from insurance and wealth services. Customer acquisition is driven by 60+ Select Employee Group partnerships with employers such as Halliburton, multiple public school districts, healthcare providers, and oil and gas manufacturers, layered on top of community-based eligibility. The credit union holds over $190M in assets and over $17M in capital (a ratio exceeding 10%, well above the 7% well-capitalized NCUA threshold) and is federally insured by the NCUA.

Name

Endurance Federal Credit Union

Legal name

Endurance Federal Credit Union

Website

https://endurancefcu.org

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

Endurance Federal Credit Union is a federally chartered, member-owned credit union serving consumers across 37 counties in Oklahoma and Texas with checking, savings, auto and home loans, credit cards, insurance, and digital banking, anchored by 60+ employer Select Employee Group partnerships.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), 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

General Purpose Credit Cards (FSAKABAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending products
• Share certificate accounts
• Member financial services
• Auto and home loans

Headquarters

HQ city

Duncan

HQ country

United States

HQ region

North America

Offices4 records

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 from Lending: Primary revenue stream from interest earned on loans including auto loans, home loans, personal loans, and credit cards. The credit union offers competitive rates and returns earnings to members through better rates on deposits and lower rates on loans.
2. Fee-Based Services: Various service fees including overdraft fees ($25/item), ATM fees, wire transfer fees, account maintenance fees (Advantage Checking $3.50/month), safe deposit box rental, and other traditional credit union fees.
3. Deposit-Based Income: Income from member deposits invested and lent to other members. Dividends paid to members on savings, checking, and investment accounts. Share accounts, money market accounts, and certificates generate income through the spread between loan rates and deposit rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Endurance Federal Credit Union is a federally chartered, member-owned cooperative financial institution offering retail banking and lending services. It provides deposit products (checking, savings, money market, share certificates), consumer loans (auto, home, personal, credit builder, share-secured), Visa credit cards, insurance products, and investment services to individuals and families across Oklahoma and Texas.

Differentiator

Problem solved

Functional benefit

Brands

• Endurance FCU Insurance Agency, LLC: Insurance agency offering auto, home, life, and AD&D insurance products through TruStage and other providers.
• CUDL AutoSmart Program

Products and services

• Premium Cash Checking High-yield rewards checking account for individual members, earning up to 4.00% APY on balances up to $20,000 with qualification requirements of 15+ debit card purchases and 1+ direct deposit or automatic payment per month.
• Advantage Checking Enhanced checking account for members, with $3.50/month fee, providing free online/paper statements, free debit card replacement, free notary services, managed identity theft recovery, mobile phone coverage, and identity monitoring.
• Premium Cash Back Checking Cash back checking account for individual members, offering 3.00% cash back on debit card purchases up to $9 per month (max $300 in purchases) and ATM fee refunds up to $25 monthly nationwide.
• Share Savings and Money Market Accounts Deposit accounts for individual members that earn dividends, including share savings accounts and money market accounts.
• Share Certificates Term deposit accounts for individual members with $500 minimum opening balance, terms from 3 to 48 months, and APYs ranging from 2.65% to 4.10% depending on term and balance tier. IRA versions available at the same rates.
• Auto Loans Consumer vehicle loans for individual members, with rates as low as 4.50% APR, offered through direct lending and the CUDL AutoSmart dealer network.
• Home Loans Residential mortgage loans for individual members purchasing homes.
• Personal, Credit Builder, and Share-Secured Loans Consumer personal loans for individual members, including credit builder loans for members establishing or rebuilding credit and share-secured loans collateralized by member share deposits.
• Visa Credit Cards Visa-branded credit cards for individual members, managed through the EZCard Info cardholder portal.
• Endurance FCU Insurance Agency Insurance products and services for individual members, including auto, home, life, and accidental death and dismemberment (AD&D) coverage offered through the wholly-owned Endurance FCU Insurance Agency, LLC subsidiary and TruStage partners.
• Investment and Wealth Management Services Investment and financial planning services for individual members, offered in partnership with CUE Financial of Oklahoma (Brian Cavanaugh) and securities services through Osaic Wealth, Inc. (Member FINRA/SIPC).
• Online and Mobile Banking Services Digital banking services for individual members, including 24/7 online home banking for account management, bill pay, fund transfers, and e-statements, plus a mobile app on iOS and Android with mobile check deposit and account management.

Quantifiable outcome

• Capital/Equity ratio of more than 10%, well above the 7% 'well capitalized' threshold
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, supporting and legacy core.

• CO-OP Credit Union (Shared Branching)coreChannel Partner/ Reseller/ DistributorEndurance FCU participates in the CO-OP shared branching network, providing members access to over 5,000 credit union locations nationwide and 30,000+ surcharge-free ATMs. This partnership enables members to conduct business at any participating location as if they were at their home credit union.
• TruStage Insurance (CMFG Life Insurance Company)coreStrategic or Co-development PartnerProvides TruStage Accidental Death and Dismemberment (AD&D) insurance products to members. Endurance FCU provides $1,000 of free AD&D coverage to members, with options for up to $300,000 additional coverage. Also offers auto, home, and life insurance products through the TruStage program.
• CUDL (Credit Union Direct Lending) AutoSmartcoreTechnology or IntegrationCUDL AutoSmart Program enables members to research, compare, and purchase vehicles through an integrated dealer network. Endurance FCU processes auto loans through this platform, providing competitive rates and streamlined vehicle purchasing experience.
• GreenPath Financial WellnesssupportingStrategic or Co-development PartnerFinancial wellness partner providing educational resources and counseling services to Endurance FCU members. Co-branded financial education articles appear in member newsletters covering topics like budgeting, debt management, and financial planning.
• Halliburtonlegacy coreChannel Partner/ Reseller/ DistributorOriginal founding SEG partner since 1960. Halliburton employees and family members were the original members served when chartered as Duncan Industrial Services Credit Union. Relationship continues despite name changes to Halliburton Employees' Credit Union (1969) and now Endurance FCU (2018).
• CUE Financial / Osaic WealthsupportingStrategic or Co-development PartnerInvestment services partnership providing members access to financial planning, securities services, and wealth management through Brian Cavanaugh at CUE Financial of Oklahoma. Securities services offered through Osaic Wealth, Inc. (Member FINRA/SIPC).
• SHAZAMcoreTechnology or IntegrationDebit card processor and fraud protection services provider. SHAZAM Bolt$ app provides 24/7 fraud monitoring, text fraud alerts, and card management capabilities. Handles debit card transaction processing and fraud detection for member debit cards.
• 60+ Select Employee Groups (SEGs)coreChannel Partner/ Reseller/ DistributorBusiness partnerships with over 60 employers including schools (Duncan Public Schools, Elk City Public Schools, Marlow Public Schools), healthcare providers, and businesses that secure credit union membership eligibility for their employees at no cost to the employer.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Security Service Federal Credit Union: Large Texas-headquartered federal credit union with multi-state operations including West Texas. Comparable community-based SEG model with significantly larger scale and broader Texas footprint overlapping Endurance FCU's expanded field of membership.
• Randolph-Brooks Federal Credit Union: Large federal credit union serving Texas with broad community field of membership. Comparable multi-county Texas community charter model to Endurance FCU's 2020 expansion, with substantially greater scale and Texas branch coverage.
• Tinker Federal Credit Union: Major Oklahoma-based federal credit union originally serving Tinker Air Force Base employees. Competes in overlapping Oklahoma retail markets with similar SEG-anchored community banking model and comparable product offerings.
• Credit Union of Texas: Texas-based community credit union operating across North and Central Texas. Directly comparable to Endurance FCU's Texas field-of-membership expansion geography and competes for similar community-based consumer banking customers.
• MidFirst Credit Union: Largest credit union in Oklahoma headquartered in Oklahoma City. Direct competitor in the Oklahoma retail deposit and lending market; offers comparable consumer banking products with substantially larger scale, more branches, and broader digital capabilities.
• Oklahoma Employees Credit Union: Oklahoma credit union serving state employees and related SEG groups. Direct competitor in the same geographic footprint with similar employment-based membership model and overlapping branch coverage.

Broad incumbents

• BOK Financial (Bank of Oklahoma): Major regional bank holding company with deep Oklahoma roots and significant Duncan-area presence. Competes across retail banking, mortgages, and small business segments with substantially greater resources and product breadth.
• Alliant Credit Union: Large national digital-first credit union offering high-yield deposits and consumer lending across all 50 states. Not a direct local competitor but a meaningful alternative for high-rate-conscious members within Endurance FCU's field of membership.

Regional players

• Arvest Bank: Regional community bank with significant Oklahoma presence including Duncan and surrounding Stephens County. Direct competitor for consumer deposits, auto loans, and home loans in Endurance FCU's core Duncan market.
• First Bank & Trust Co. (Duncan, OK): Local community bank headquartered in Duncan, Oklahoma. Competes head-to-head with Endurance FCU for retail deposits, consumer loans, and small business banking in the primary Duncan/Stephens County market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EnduranceFCU
• YouTubeyoutube.com/user/thehefcu
• Facebookfacebook.com/ENDURANCEFCU
• LinkedInlinkedin.com/company/endurancefcu
• Instagraminstagram.com/endurance_fcu

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Endurance Federal Credit Union