Texas Dow Employees Credit Union Tinker Enid OK | Affordable Auto Loans & Business Banking

Introduction

Welcome to Tinker, your trusted partner in financial well-being! Located at 234 Fields St, Enid, OK 73705, we have been serving our community since 1946 with a commitment to providing exceptional banking services tailored just for you. With a proud membership of 469,570 and total assets reaching an impressive $6,025,622,237, we are dedicated to helping you achieve your financial goals. At Tinker, we understand the importance of personal relationships and community impact. Our team is here to support you with a range of services from checking and savings accounts to auto loans and credit cards with rewards. We take pride in our ability to offer personalized solutions that fit your unique needs. Our leadership team is committed to ensuring that every member feels valued. Under the guidance of CEO David Willis and Board President Tiffany Broiles, we foster an environment where members can thrive financially. With 934 employees working tirelessly behind the scenes, we're always ready to assist you with whatever you may need. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 45750, Tinker AFB, OK 73145. With total deposits amounting to $873,328,752 and a net worth of $830,132,282, our financial health reflects our stability and reliability. We also maintain a cash reserve of $35,126,165, ensuring that we can meet your needs whenever they arise. If you're looking for a credit union that truly puts its members first, look no further than Tinker. Feel free to reach out at (405) 319-2863 or visit our website at tinkerfcu.org for more information on how we can help you build a brighter financial future. Join us today and experience the difference!

Branch History & Mission

Community Partnerships

In addition to providing excellent financial services, Tinker actively participates in community outreach initiatives. We partner with local organizations and schools to promote financial literacy and support various charitable causes. By investing in our community's future, we strive to make a meaningful difference in the lives of those around us.

Join Us

We invite you to become part of the Tinker family! Experience firsthand the benefits of being a member of a credit union that puts your needs first. Join us today by visiting Tinker's Membership Page or reach out for any inquiries about opening an account or applying for a loan. Together, let's build a brighter financial future!

Our Evolution

From our humble beginnings at 234 Fields St in Enid, Tinker has continuously adapted to meet the needs of our members. We have expanded our services and embraced technology while maintaining our core mission: to provide accessible financial solutions that empower individuals and families. With total assets reaching an impressive $6,025,622,237, we take pride in offering a variety of services ranging from personal banking to business loans. As part of our commitment to accessibility, we ensure that all members can access vital services through digital platforms and robust physical locations. Our dedicated team works hard to create an environment where everyone feels welcome and supported.

Our Mission

At Tinker, our mission is clear: We aim to enhance the financial well-being of our members while contributing positively to the communities we serve. We believe in building strong relationships with our members through personalized service and community engagement. Our focus is not just on transactions but on helping you achieve your financial goals. We are here for you whether you need assistance with checking accounts, auto loans, mortgages, or credit cards with rewards. Our goal is to simplify banking for you while ensuring that your needs are met with respect and care. While members can visit us at 234 Fields St Enid Ok 73705, official correspondence should be sent to PO Box 45750, Tinker AFB, OK 73145. Feel free to reach out anytime at 405-319-2863 during our operating hours: Monday-Thursday from 9:00 AM - 5:00 PM and Friday from 8:00 AM - 5:00 PM.

Branch Location & Accessibility

Welcome to Tinker at 234 Fields St Enid Ok 73705 in beautiful Enid, OK! We are proud to serve our community with a convenient and accessible location that makes banking easy for everyone. Situated near popular landmarks, our branch is easily reachable, whether you're coming from downtown or the surrounding neighborhoods. At Tinker, we understand the importance of accessibility. Our branch is designed with your needs in mind, featuring ADA-compliant entrances and ramps to ensure that all members can navigate comfortably. If you prefer to visit us by car, you'll find ample parking available right outside our doors. For those who appreciate convenience, we offer both ATM services and drive-thru banking options. Our ATMs are operational 24/7, allowing you to access cash and perform transactions anytime. The drive-thru service provides a quick solution for simple transactions like deposits and withdrawals without leaving your vehicle. Our operating hours are designed to accommodate your busy schedule. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM and on Fridays from 8:00 AM to 5:00 PM. Whether you need assistance with personal banking, auto loans, or business services, our friendly staff is here to help during these hours. While members can visit us at 234 Fields St Enid Ok 73705, official correspondence should be sent to PO Box 45750, Tinker AFB, OK 73145 if that's more convenient for you. Ready to experience excellent service? We invite you to stop by or give us a call at (405) 319-2863. Your financial journey starts here at Tinker, where we're dedicated to meeting your banking needs!

Member Eligibility

Becoming a member of Tinker is like joining a close-knit family where your financial well-being is the priority. To be eligible, you simply need to live, work, or worship in certain areas or have a family member who is already part of our community. It's that straightforward! We warmly welcome anyone who meets these criteria, which you can explore in more detail at https://www.tinkerfcu.org/membership/ . By choosing to become a member at Tinker, you're not just opening an account; you're gaining access to personalized financial services designed with your needs in mind. Opening an account is easy and can set you on the path to achieving your financial goals. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. For further details about how to start this journey, visit us at https://www.tinkerfcu.org/loans-cards/new-used-vehicle-loans/ or give us a call at (405) 319-2863. We're excited to help you take this important step towards better banking!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that simplifies payment processing so you can focus on what truly matters running your business. Our merchant services offer seamless transactions, making it easier for you to accept payments from customers while ensuring their data remains secure. From credit card processing to mobile payments, we provide the tools you need to enhance your customer experience. Located at 234 Fields St Enid Ok 73705 in Enid, OK, we invite you to discover how our business banking solutions can empower your company. Visit us today or call us at (405) 319-2863 to learn more about how we can assist you on your path to success!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $335 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $287,213,703, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

At Tinker, we strive to accommodate all member needs through additional services such as Basic Drive-Thru Banking for simple transactions like deposits and withdrawals, as well as Basic Shared Branch Transactions that allow partner credit union members to access their accounts seamlessly. With our commitment to serving you better, visit us at 234 Fields St Enid Ok 73705 in Enid, OK or call us at (405) 319-2863 for more information about how we can assist you with all your financial needs. Experience the difference at Tinker where member satisfaction comes first!

Business Banking Services

If you're a business owner, our Business Banking services include Merchant Services & Business Loans, designed to support and grow your venture. We know how vital it is for businesses to have reliable financial partners, and we are here to help.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. Our Online & Mobile Banking platforms allow you to manage your accounts from anywhere at any time. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with our ATM & Cash Withdrawal Services, accessing cash is quick and easy.

Personal Banking Solutions

For those looking to establish or enhance their personal banking experience, we provide a variety of options. Our Checking & Savings Accounts are tailored to help you manage your money effectively while earning interest on your savings. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel with competitive rates and flexible terms. Homeownership can be daunting, but with our Mortgage Loans & Refinancing, we simplify the process, ensuring you find the right loan for your needs. Additionally, if you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services offer straightforward solutions.

Rewarding Credit Options

Credit is an important aspect of financial health. At Tinker, our Credit Cards with Rewards not only provide you with purchasing power but also reward you for your spending. Enjoy benefits like cash back and points that can be redeemed for exciting rewards.

Digital & Online Banking

Always Available Support

With 24/7 online banking services, you're never alone in managing your finances. Whether it's day or night, our online banking tools are always there when you need them. We prioritize security in every aspect of our digital services so you can feel confident knowing that your personal information is safe with us. Join us at Tinker today and take advantage of these fantastic digital features that make banking easier and more accessible than ever before!

Key Features for Your Convenience

We offer e-statements for members who prefer a paperless option. This not only helps the environment but also gives you quick access to your financial statements whenever you need them. Plus, if you're looking to send money to friends or family, our person-to-person transfers make it easy and hassle-free. For those who love banking on their mobile devices, we have a user-friendly mobile application that keeps all your banking needs at your fingertips. While we currently don't support mobile payments directly through this app, it still provides an excellent way to manage your accounts on the go.

Financial Strength

Growing Member Trust

Total Share Accounts stand at 810,737, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $4,496,891, further illustrating our robust financial position. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tinker is your trusted partner. Visit us at 234 Fields St Enid Ok 73705 or call (405) 319-2863 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our strong performance is further highlighted by a net income of $66,515,199, reflecting our operational efficiency and enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 825 full-time employees and 109 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $743,290,969 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $72,056 in used auto loans and $3,513,420,313 in total loans and leases, supporting your financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $1,122,378,182 in share certificates and $1,568,971,563 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $989, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $830,132,282, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,373 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 $1,381,463,084 in used vehicle loans and $632,221,151 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, we can help make it affordable.

Credit Lines and Unsecured Loans

For those who prefer flexibility in managing their expenses, we also provide total credit lines amounting to $842,062,578. In addition, we offer flexible terms on unsecured credit card loans with a total of $177,551,200 in loans helping members manage their finances effectively. This means you can have quick access to cash when unexpected costs arise without tying up your assets.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $70,425,360, make buying or refinancing simple. We know that navigating the housing market can be tricky; that's why we're here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, our team is here to discuss eligibility options tailored just for you. Refinancing can often lead to lower monthly payments or even reduce the overall interest paid throughout the life of the loan. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. No matter what your financial needs may be whether it's securing a new car or owning your first home Tinker is committed to providing solutions that fit your lifestyle and budget. Reach out today to learn more about how our loan products can work for you!

Loan Aggregator

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TINKER FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans

Vehicle Loans