Morning Star Credit Union Tulsa OK | Best Auto Loans & Business Banking

Introduction

Welcome to Morning Star Federal Credit Union, your trusted partner in financial well-being since 1961. Located at 1014 E Pine St, Tulsa, OK 74106, we are proud to serve our community with a range of personal and business banking services tailored to meet your unique needs. Whether you're looking for auto loans, mortgage refinancing, or checking and savings accounts, we have options designed just for you. With a strong commitment to our members, we currently support 409 individuals and families, all while managing total assets of $968,511 and total deposits of $296,375. Our dedicated team works tirelessly to ensure that each member feels valued and supported in their financial journey. Under the leadership of CEO Sandra Ferguson and Board President Carl Bracy, our credit union prioritizes transparency and integrity in every interaction. We understand the importance of trust in banking relationships, which is why our net worth stands at an impressive $72,584, ensuring stability and security for all our members. At Morning Star Federal Credit Union, we believe in giving back to our community. As we continue to grow currently holding 66 loans and leases we strive to empower our members through educational resources and personalized service. While you can visit us at our branch for all your banking needs, feel free to reach out by phone at 918-582-9422 for any inquiries or assistance. Join us today and experience the difference a member-focused credit union can make!

Branch History & Mission

At Morning Star Federal Credit Union, we take pride in our rich legacy that began in 1961. Founded with a simple yet powerful mission to serve the financial needs of our community in Tulsa, Oklahoma, we have grown from humble beginnings to a vibrant credit union with a dedicated membership base of over 400 individuals. Our branch is located at 1014 E Pine St, conveniently situated in the heart of Tulsa, making it easy for members to access our services. Since opening our doors more than six decades ago, Morning Star has evolved significantly. We started with a small group of members and have expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions. Today, our total assets stand at an impressive $968,511. Each milestone we've achieved reflects our commitment to providing excellent service and support to our members. Our mission is clear: we strive to empower individuals and families by offering accessible financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity to achieve their financial goals without unnecessary barriers. This mission drives us daily as we work to create a welcoming environment where all members feel valued and supported. While members can visit us at 1014 E Pine St for their banking needs, official correspondence should be sent to 1014 E Pine St, Tulsa, OK 74106-4957. We understand the importance of convenience; thus, we offer lobby hours on Wednesdays from 6:00 PM until 8:00 PM and Sundays from 9:30 AM until 2:00 PM. Though we currently do not have ATM or drive-thru services available, we are committed to embracing digital advancements and providing customer-centric initiatives that enhance your banking experience. Our partnerships with local organizations allow us to give back through various outreach efforts aimed at supporting those in need within our community. We invite you to join Morning Star Federal Credit Union today! Experience firsthand the benefits of being part of a credit union that puts people before profit and genuinely cares about your financial well-being. Reach out to us at (918) 582-9422 or visit us during our operating hours. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Features

At Morning Star, accessibility is important to us. Our branch features ADA-compliant facilities with ramps and designated parking spaces so everyone can visit comfortably. We know that your time is valuable; that's why we offer convenient operating hours on Wednesdays from 6:00 PM until 8:00 PM and Sundays from 9:30 AM until 2:00 PM.

Services Tailored for You

Though we currently do not have an ATM or drive-thru services available, our friendly team is ready to assist you inside the branch. We provide a range of personal banking services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. If you're looking for business banking solutions like merchant services or business loans, we've got you covered too! If you have any questions or need assistance with your financial needs, don't hesitate to give us a call at 918-582-9422. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Member Eligibility

Becoming a member of Morning Star is like joining a welcoming family that's dedicated to your financial well-being. If you live, work, or worship in the Tulsa area, you're likely eligible to join us! We believe in making banking accessible for everyone, so whether you're just starting out or looking to make a change, we have something for you. Our members enjoy personalized service and a range of financial products designed to meet their unique needs. To find out more about our eligibility criteria, please visit this link: . Joining is simple! Once you confirm your eligibility, opening an account with us is a breeze. If you're ready to take the next step or have any questions, feel free to give us a call at (918) 582-9422. We're here to help you every step of the way as you become part of the Morning Star community at 1014 E Pine St Tulsa Ok 74106.

Business Banking & Commercial Services

Loan Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, we also offer flexible financing solutions with $0 in non-member commercial loans, ensuring that the broader business community has access to the resources they need.

Merchant Services that Make Life Easier

In addition to loans, we provide merchant services that help streamline your payment processing. Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our services simplify transactions, allowing you to concentrate on serving your customers and growing your brand. With an outstanding commercial loan portfolio of $0, we are dedicated to driving economic growth by financing new and expanding businesses right here in Tulsa, OK. Let us partner with you on your journey toward success!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we offer comprehensive business banking services including merchant services and business loans. We aim to support local businesses by providing the financial resources they need to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Morning Star offers robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, our digital tools are designed for ease of use. While we currently do not have ATMs or drive-thru services available at this branch, our team is always ready to assist you over the phone at (918) 582-9422 or in person during our lobby hours: Wednesday from 6 PM until 8 PM and Sunday from 9:30 AM until 2 PM. At Morning Star, we strive to create a welcoming environment where members feel valued and supported in their financial journeys. If you're interested in learning more about any of these services or how we can assist you further, don't hesitate to reach out! Let us help you take the next step towards achieving your financial dreams today!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services guide you through the process, making it easier to find the right fit for your budget. We understand that purchasing a home is a significant step, and we're here to support you every step of the way.

Loans and Credit

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We provide flexible solutions that can help ease financial burdens. Additionally, if you're looking to build credit while enjoying perks, consider our credit cards with rewards a great way to earn while spending.

Personal Banking

Whether you're looking to open a new checking account or save for the future, our personal banking services are designed just for you. With competitive rates on checking and savings accounts, you can easily manage your finances and watch your savings grow. If you're dreaming of that perfect vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank.

Digital & Online Banking

Accessible Online Banking Services

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or view transaction history, everything is just a click away. While we currently do not offer mobile applications or electronic signature authorization, our online platform provides a user-friendly experience that makes managing your finances straightforward.

Convenient Transactions Made Easy

While features like mobile payments and person-to-person transfers aren't available yet, our commitment to serving you means we are always exploring ways to enhance your banking experience. Our goal is to ensure that every interaction you have with us is as smooth as possible. For more information about how you can take advantage of our digital services, visit us at . We're here to help you navigate your financial journey with ease!

E-Statements and Secure Communication

Though we do not provide e-statements at this time, rest assured that any communication with us remains secure and confidential. We prioritize your privacy and security in all aspects of our digital banking services.

Financial Strength

Growing Member Base

We currently manage a strong member base with 415 total share accounts that trust us with their finances. This highlights not only our reliability but also the growing community that supports one another through their credit union. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Morning Star is your trusted partner. Visit us at 1014 E Pine St Tulsa Ok 74106 or call (918) 582-9422 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $60,320 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices. Although we have $0 in non-member deposits, our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $5,691 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $22,126 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust, with $32 in used auto loans and $457,859 in total loans and leases available to support your financial goals across various sectors.

Solid Financial Foundation

With a net worth of $72,584, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $749 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $335,242 in used vehicle loans and $6,001 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles, ensuring you can find the right fit for your budget.

Business Financing

For business owners, while we do not have outstanding commercial loans at this time, we recognize the importance of having access to capital for growth and expansion. If you're interested in business financing options in the future, stay connected with us as we continue to explore ways to support local entrepreneurs. At Morning Star, we're dedicated to helping our members navigate their financial journeys with ease and confidence. Feel free to reach out at (918) 582-9422 if you have any questions about our loan offerings or need assistance with your application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we are committed to assisting our members with their home financing needs. Whether you're purchasing a new property or refinancing an existing mortgage, our team is here to guide you through every step.

Personal Loans & Credit Lines

For those needing extra funds for personal projects or unexpected expenses, we also offer unsecured credit card loans with flexible terms. Although our total unsecured credit card loans currently stand at $0, we encourage you to inquire about eligibility options that might work best for your situation. Additionally, our total credit lines amount to $120,000, giving members more control over their finances when needed.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to compare options effectively. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience, stating: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This highlights how LendMesh not only aids in finding competitive rates but also contributes significantly to financial savings. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to sourcing accurate information ensures that users receive fair and transparent offers tailored to their needs.

MORNING STAR FEDERAL CREDIT UNION