Oak Cliff Christian Federal Credit Union

What Oak Cliff Christian Federal Credit Union does

Oak Cliff Christian Federal Credit Union (OCCFCU) is a federally chartered, not-for-profit credit union founded on September 22, 2008 and operating from a single branch at 1130 W. Camp Wisdom Road in Dallas, TX. It is sponsored by Oak Cliff Bible Fellowship Church (OCBF), the ministry founded by Dr. Tony Evans in 1976, and its field of membership is restricted to OCBF members, employees, students, and family members, as well as employees and students of OCBF subsidiaries including Kingdom Collegiate Academies, The Turn Around Agenda, The Urban Alternative, and The Golf Club of Dallas.

OCCFCU offers a standard retail credit union product set. Deposit products include a Share/Savings account (the membership-qualifying account), Money Market Savings, Christmas Club, Cliff Kids Club Savings, Legacy Fund, and Certificates of Deposit with terms from 6 to 60 months plus IRA CDs. Lending products include new and used auto loans (starting at 3.99% APR with up to 60-month terms and a 90-day no-payment promo), personal loans up to $10,000 at 11.39% APR, share-secured loans at 7.25% APR, mortgages processed through a dedicated online platform, and repossessed-vehicle financing. Service infrastructure is delivered through the itsMe247 web platform, a branded mobile app, a loan application portal, direct deposit, money orders, and fraud-prevention education. Technology is described as standard credit union infrastructure with no proprietary AI, data, or platform assets.

The business model is a member-owned cooperative generating net interest income from loans, supplemented by modest deposit-account and convenience fees. OCCFCU is staffed by approximately 8-9 employees including a Credit Union Manager, Assistant Manager, Senior Member Service Representative, and Member Service Representatives, supported by a Board of Directors, Supervisory Committee, and Credit Committee. The institution is federally insured by the NCUA and operates under the Fair Housing Law and Equal Opportunity Credit Act. No external funding rounds, acquisitions, partnerships, or M&A activity are disclosed.

Name

Oak Cliff Christian Federal Credit Union

Legal name

Oak Cliff Christian Federal Credit Union

Website

https://occfcu.org

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Oak Cliff Christian Federal Credit Union is a federally chartered, not-for-profit credit union operating a single branch in Dallas, TX that provides deposit, loan, and digital banking services exclusively to members of Oak Cliff Bible Fellowship Church and its affiliated organizations.

Ownership category

akta.pro rank

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The credit union generates revenue primarily through interest charged on loans including auto loans, personal loans, and mortgages. Auto loan rates as low as 3.99% APR, personal loans at 11.39% APR.
2. Deposit Account Fees and Services: Revenue from deposit account services including share savings, money market accounts, Christmas Club accounts, and certificates of deposit. No monthly service charges on share accounts.
3. Member Services Fees: Fees for various member services such as excessive withdrawal fees ($5 per withdrawal after 3 per month), money orders, and other convenience services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

OCCFCU provides consumer retail banking products and services to its closed field of membership, including share savings accounts, money market accounts, Christmas Club accounts, Cliff Kids Club savings, Legacy Fund, certificates of deposit (including IRA CDs), and IRA accounts on the deposit side, and auto loans, used auto loans, personal loans, share-secured loans, mortgages, and repossessed vehicle financing on the lending side. Members access services via a single Dallas branch, the itsme247 online banking platform, and a branded mobile app; convenience services such as direct deposit, money orders, and fraud-prevention education round out the offering.

Product overview

Oak Cliff Christian Federal Credit Union operates as a single-institution, not-for-profit financial services cooperative offering a unified portfolio of deposit and loan products. Its core offering consists of Share/Savings accounts (which double as the membership requirement), complemented by IRA accounts, Money Market Savings, Christmas Club, and Cliff Kids Club Savings. Certificate of Deposit products include standard CDs and IRA CDs. On the lending side, OCCFCU provides Auto Loans (new and used), Personal Loans, Share Secured Loans, Mortgages, and financing for repossessed vehicles. Digital banking is delivered through a branded Mobile App and the itsme247 online banking platform. Convenience services include Direct Deposit, Money Orders, and Financial Calculators. Fraud prevention education is also provided as a member service.

Differentiator

Problem solved

Functional benefit

Products and services

• Share/Savings Account Primary share savings account required to maintain credit union membership; earns tiered dividends on balances of $100 or more; $25 minimum balance required to maintain membership; no monthly service charges.
• IRA (Individual Retirement Account) Tax-deferred retirement savings account available as IRA shares or IRA certificate of deposit, with contribution limits of $7,000 (under 50) / $8,000 (50+) for 2025 and $7,500 / $8,600 for 2026.
• Money Market Savings Higher-yielding savings account requiring $2,000 minimum opening deposit and average daily balance; pays tiered dividends and permits up to three free withdrawals per month; 0.05% APY.
• Christmas Club Account Seasonal purpose savings account designed for holiday expenses; $25 to open with free withdrawals between November 1 and January 31; penalties apply for off-season withdrawals; 0.01% APY.
• Cliff Kids Club Savings Youth savings account for children 17 and under; $25 minimum opening deposit; pays a prize on first deposit, monthly dividends on balances of $100 or more, and includes limited withdrawal privileges; 0.05% APY.
• Legacy Fund Long-term savings product with a $50 minimum opening deposit, balance range of $100 to $10,000, and a 0.10% APY.
• Certificate of Deposit (CD) Term-based deposit product with terms from 6 to 60 months; minimum deposit of $1,000; rates from 3.25% to 3.75% APY depending on term; IRA CD variant available with an 18-month term at 3.75% APY.
• IRA Certificate of Deposit Retirement-focused certificate of deposit with terms from 6 months to 5 years; $1,000 minimum deposit; APYs up to 3.75%.
• Auto Loan (New) Vehicle financing for new automobiles; rates as low as 3.99% APR; terms up to 60 months or longer; rate based on credit score, age of vehicle, and loan term; "No payments for 90 days" promotional feature referenced on the home page.
• Used Auto Loan Financing for pre-owned vehicles; rates as low as 3.99% APR; rate determined by credit score, vehicle age, and loan term.
• Personal Loan Unsecured personal loan for expenses such as bill consolidation, vacations, or emergencies; rates as low as 11.39% APR; borrow up to $10,000.
• Share Secured Loan Secured loan backed by the member's own share savings; rate of 7.25% APR; designed for members building or rebuilding credit.
• Mortgage Home mortgage financing solutions tailored to individual budgets, lifestyles, and financial goals; processed through a dedicated online mortgage platform.
• Direct Deposit Electronic deposit service for payroll, Social Security, pension, or other recurring electronic payments deposited directly into a member's savings account.
• Money Orders Affordable money order service available for purchase at the credit union branch, providing a secure alternative to sending cash.
• Online Banking (itsme247) Web-based online banking platform providing account management, loan applications, transfers, and access to e-statements from any internet-connected device.
• Mobile App Mobile banking application enabling members to view account details, access e-statements, submit loan and membership applications, open new accounts, purchase certificates, and contact the credit union.

Quantifiable outcome

• Auto loan rates as low as 3.99% APR
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Resource One Credit Union: Dallas-headquartered community credit union offering share savings, CDs, IRAs, auto loans, personal loans, and mortgages under a comparable cooperative model directly overlapping OCCFCU's product set and geography.
• Texas Trust Credit Union: Texas-based federally chartered credit union offering a similar deposit-plus-loan product suite to consumer members, competing for the same retail deposit and auto loan wallet share in North Texas.
• Christian Community Credit Union: Faith-based federal credit union serving Christian church workers, ministries, and their families nationwide. Closest comparable on affiliation-driven business model and member-first cooperative ethos.
• Cornerstone Credit Union: Faith-affiliated community credit union offering consumer deposit and loan products to a defined religious/membership field. Closely aligned with OCCFCU's cooperative, faith-rooted membership model and product scope.
• Neighborhood Credit Union: Dallas-based community credit union serving the broader metroplex with comparable deposit and consumer loan products. Operates as a similar full-service cooperative at slightly larger scale in the same geographic market.

Broad incumbents

• Randolph-Brooks Federal Credit Union (RBFCU): One of the largest federal credit unions in Texas, operating a Texas-wide field of membership with extensive deposit and consumer loan products and digital capabilities. Represents the scaled incumbent OCCFCU members could compare against.
• Local Government Federal Credit Union (LGFCU): North Carolina-headquartered federal credit union with a defined field-of-membership structure, full retail product suite, and digital banking. Comparable federally chartered, affinity-defined credit union operating model.
• Security Service Federal Credit Union: Large Texas-headquartered federal credit union offering the same core retail banking products (savings, CDs, auto, personal, mortgage). Serves as a broad incumbent competitor for North Texas consumer wallet share with much greater scale.

Emerging players

• Alliant Credit Union: Federally chartered digital-first credit union serving select employee groups and associations through online banking. Comparable asset-lite/affiliation-based membership model with broad product lineup and digital delivery.

Regional players

• FirstLight Federal Credit Union: Federally chartered Texas-based credit union serving a defined employer/affinity field of membership with deposits, consumer loans, and digital banking — comparable federally chartered, single-state field-of-membership model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Oak Cliff Christian Federal Credit Union