Tulsa Federal Credit Union

What Tulsa Federal Credit Union does

WeStreet Credit Union (formerly Tulsa Federal Credit Union) is a federally chartered, member-owned cooperative financial institution headquartered at 9323 East 21st St, Tulsa, Oklahoma. Founded in 1935 to serve Phillips Petroleum Company employees and their families, the credit union now serves approximately 56,000 members across the Tulsa metro area and is regulated and insured by the National Credit Union Administration (NCUA). Following a 2022 rebrand from Tulsa Federal Credit Union to WeStreet Credit Union, the institution has repositioned from its single-employer origins toward a broader community-based identity.

The product portfolio spans personal banking (checking, savings, debit cards, IRAs, certificates), consumer lending (mortgages, HELOCs and HELOANs, auto loans, personal loans, credit cards, student loans), and a full business banking suite that includes business checking and savings, SBA Express-backed loans, merchant services, payroll and HR solutions, business credit cards, start-up services, and a specialized cannabis-banking vertical. Wealth management is offered alongside a Crypto+ investment product. The core technology layer is a digital banking platform accessible via web and a dedicated iOS/Android mobile app, supporting online registration, check deposit, funds transfer, bill pay, card management, and a cash-back rewards program. Distribution combines a regional branch network with self-service digital channels and a Banking as a Service (BaaS) platform that exposes the credit union's infrastructure to third-party partners.

Revenue is generated primarily through net interest income on the loan portfolio and deposit balances, supplemented by fee income from merchant services, payroll/HR, card programs, and BaaS partnerships. Pricing is not publicly disclosed; deposit rates and loan rates are published on the institution's website (westreet.org/rates/). Membership is established with a $5 opening deposit into a savings account, and digital banking is free. The credit union has no external shareholders and no parent company; it is wholly owned by its member-depositors and governed as a cooperative.

Name

Tulsa Federal Credit Union

Legal name

WeStreet Federal Credit Union

Website

https://tulsafederalcu.org

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

251–500 employees

Short description

WeStreet Credit Union is a federally chartered, member-owned cooperative bank serving approximately 56,000 members in Tulsa, Oklahoma with personal and business banking, mortgages, auto loans, wealth management, cannabis banking, and a Banking as a Service platform.

Ownership category

akta.pro rank

Product category

Credit Union Services (Retail and Small Business Banking)

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industry

Employer/Occupational Credit Unions (FSABAEAB)

Keywords

• Retail banking services
• Consumer lending
• Mortgage and home equity
• Small business banking
• Credit union 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, Technology or R&D, Infrastructure, Marketing or Sales

Distribution channels4 records

Marketing channels5 records

Core offering

Tulsa Federal Credit Union (dba WeStreet Credit Union) is a federally chartered, member-owned cooperative credit union that provides personal and business depository accounts, consumer and commercial loans, mortgages and home equity products, credit cards, wealth management, and merchant/payroll services to approximately 56,000 members in the Tulsa, Oklahoma area. Revenue is generated primarily through net interest income on loans and deposits, supplemented by service fees, interchange, and Banking-as-a-Service (BaaS) partner revenue.

Product overview

Tulsa Federal Credit Union (operating as WeStreet Credit Union) offers a comprehensive suite of financial products and services organized into personal banking, business banking, loans, and wealth management categories. The core product portfolio includes personal checking and savings accounts with rewards and competitive rates, mortgage and home equity products (HELOCs and HELOANs), auto and personal loans, credit cards, and business banking services including specialized cannabis banking. Digital banking capabilities encompass online and mobile banking platforms with card management, skip-a-pay deferral options, and cash back rewards. Business services include merchant services, payroll and HR solutions, startup services, Banking as a Service (BaaS), and SBA Express lending. Wealth management offerings include traditional investments, Crypto+ cryptocurrency investments, and credit score monitoring tools. The institution serves approximately 56,000 members primarily in the Tulsa, Oklahoma area.

Differentiator

Problem solved

Functional benefit

Brands

• WeStreet en Español: A specialized Spanish-language version of the WeStreet website offering financial education and details about products and services in Spanish.

Products and services

• Personal Checking Personal checking account for individual members, featuring cash back rewards, credit score monitoring, and integrated card management tools, accessible via online and mobile banking.
• Personal Savings Personal savings account with daily compounding interest; requires a $5 opening deposit that also establishes credit union membership/ownership.
• IRAs Individual Retirement Accounts for members' long-term retirement savings and tax-advantaged planning.
• Certificates Certificate (CD) accounts offering competitive fixed-term rates for member savings.
• Debit Cards Debit card product tied to member accounts that earns cash back rewards at retailers, managed through online and mobile banking.
• Mortgage Mortgage loan solutions for home purchases and refinancing, with competitive rates and a loan officer guiding the member from application to closing.
• Home Equity (HELOCs and HELOANs) Home equity lines of credit (HELOCs) and home equity loans (HELOANs) that allow members to borrow against built-up home equity.
• Auto Loans Auto financing with simple terms and competitive rates for member vehicle purchases.
• Personal Loans Personal loans with simple terms and competitive rates for various member financial needs.
• Credit Cards Consumer credit card with competitively low rates, manageable through online and mobile banking card controls.
• Student Loans Student loan products to finance higher education expenses for members and their families.
• Business Checking Business checking account with robust features, added protections, and competitive perks for managing business cash flow and expenses.
• Business Savings Business savings account designed to help business members grow funds and expand their businesses.
• Cannabis Banking Specialized banking services tailored to cannabis-related businesses that often face banking access restrictions.
• Merchant Services Merchant services that help business members accept payments and access business solutions to manage and grow.
• Payroll & HR Solutions Payroll and HR solutions offered to business members to streamline workforce administration.
• Start Up Services Services designed to support entrepreneurs launching new businesses with their banking relationship.
• Banking as a Service Banking-as-a-Service (BaaS) platform that enables partner businesses to access WeStreet's banking infrastructure and embed financial products.
• Business Loans Business loans and lines of credit for small and medium-sized businesses, including SBA Express loans leveraging WeStreet's SBA Express Authority status.
• Business Credit Cards Business credit cards providing convenience, expense management tools, and rewards on business spending.
• Wealth Management Wealth management and investment services for personal and business members, including business investments and insurance.
• Crypto+ Investments Cryptocurrency investment options for members, integrated with the credit union's wealth management offerings.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Arvest Bank: Arvest is a regional community bank with a significant branch presence across Oklahoma and surrounding states, offering comparable personal and small business banking products. Serves as a broader incumbent competitor to WeStreet in the same regional footprint.
• BOK Financial: BOK Financial is the largest bank headquartered in Oklahoma, offering personal, commercial, mortgage, and wealth services across the Tulsa market. It is the dominant local incumbent that WeStreet competes against for SMB and consumer banking share.

Emerging players

• Numerica Credit Union: Numerica is a community credit union with a tech-forward digital platform and similar community positioning. It is comparable to WeStreet on credit union charter type, community focus, and emphasis on digital member experience.
• Self-Help Federal Credit Union: Self-Help Federal Credit Union is a community development-focused credit union offering personal banking, small business lending, and SBA programs to underserved markets. Comparable to WeStreet on community mission orientation and SBA small business lending activity.

Direct peers

• Alliant Credit Union: Alliant is a federally chartered, digital-first credit union offering personal banking, lending, and credit cards nationwide with strong online and mobile platforms. Comparable to WeStreet on charter type, product breadth, and digital-first distribution model.
• TTCU Federal Credit Union: TTCU is a Tulsa, Oklahoma-based federal credit union offering a comparable suite of personal and business banking, mortgage, and lending products. It is the closest geographic and product analog to WeStreet in the same Tulsa market.
• DCU (Digital Federal Credit Union): DCU is a large federally chartered digital credit union offering comprehensive personal, business, and lending products with strong online and mobile banking. Comparable to WeStreet in charter type, product breadth, and digital distribution.
• Bethpage Federal Credit Union: Bethpage is a large federally chartered community credit union offering a full suite of personal and business banking, mortgage, and wealth products. Comparable to WeStreet in charter type, community positioning, and comprehensive product breadth.
• Lake Michigan Credit Union: Lake Michigan Credit Union is a large, fast-growing community credit union known for high-yield deposits and digital banking strength. Comparable to WeStreet as a federally chartered community credit union pursuing growth and digital differentiation.

Regional players

• Tinker Federal Credit Union: Tinker FCU is one of the largest credit unions in Oklahoma, federally chartered and serving a defined membership base with a similar personal/business banking and lending product set. It overlaps WeStreet's regional Oklahoma footprint and credit union charter type.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tulsafcu
• YouTubeyoutube.com/c/WeStreetCreditUnion
• Facebookfacebook.com/tulsafcu
• LinkedInlinkedin.com/company/tulsa-federal-credit-union
• Instagraminstagram.com/westreetcreditunion
• Pinterestpinterest.com/WeStreetCreditUnion

Revenue estimate

Valuation estimate

Number of profiles

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 Tulsa Federal Credit Union