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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Tinker Federal Credit Union's account

Finanso.Multilogin™

How to Register an Account on Tinker Federal Credit Union

To become a member of the union, you need to press the "open an account" button on the main page of the TFCU website. You can also visit a TFCU location but make sure to follow the "schedule an appointment" button to the time and location.

There is a long list of possible membership eligibility reasons on the "Membership" section of the website. Here are some possible ways you can join the union:

  • Any member of your immediate family is a member,

  • You are an employee at TFCU (or one of the union's business partners),

  • You are an active member of the U.S. Armed Forces, retired, a dependent or a dependent survivor who is eligible by law to receive and is receiving social benefits,

  • You are a member of a veteran organization in Oklahoma,

  • You are a member of one of the TFCU's Charter organizations.

The full list is accessible through the website, and we also recommend contacting the Member Service Center if you are not sure you are eligible.

Note that only U.S. citizens or residents are allowed to apply. But you do not have to be a legal adult. Savings accounts can be opened by minors with a parent or another relevant co-signer. Click Checking and Classic Checking accounts can be opened from age 13 to 15 in the same way.

For each account, there are minimum deposit and balance requirements. Starting Line Share Certificate, for instance, requires a $25 minimum balance and a $5 minimum deposit. Command Fund accounts (TFCU's money market option) require at least a $2,000 minimum deposit and balance.

After you fill out and send one of the forms, you will be given guidance on how to access your account or when to expect your branch appointment.

How to Reset a Password

To protect users' security, the company requires them to link their accounts to email and phone numbers. If you forgot the password, you need to press that button in the log-in form and enter your email or phone number. The password reset link will be sent in one of these ways.

How to Delete an Account

The Home Branch (TFCU's online system for customers) account can be deactivated by contacting TFCU's Member Service Center at (405) 732-0324, option 6, or 1-800-456-4828, option 6.

FAQ

How to create an account on Tinker Federal Credit Union?

Press the "open an account" button on the main page or visit a TFCU location, but make sure to follow the "schedule an appointment" button to the time and location.

How to delete an account from the Tinker Federal Credit Union? 

The Home Branch (TFCU's online system for customers) account can be deactivated by contacting TFCU's Member Service Center at (405) 732-0324, option 6, or 1-800-456-4828, option 6.

Financial products

Tinker Federal Credit Union
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $35000
Rate
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Effective interest rate on the product

up to 16.9%
Term
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Loan term for the financial product

up to 84 months

Calculate loan payments in Tinker Federal Credit Union

Tinker Federal Credit Union calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
1000 $
35000 $
Loan term
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Specify the loan term for the calculation

months
days
12
84

What to focus on before applying for a loan with Tinker Federal Credit Union

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Tinker Federal Credit Union and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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