This is your membership account; you must keep the minimum of $25 in this account at all times. You receive dividends on this account when your average daily balance is over $100. The dividends are compounded quarterly and paid quarterly. You have access to six withdrawals a month in your savings account and then you are charged a fee for all withdrawals thereafter.

If you are looking for a higher earning account but want to avoid long-term commitment then this is the account for you. Our money market accounts earn interest monthly, and you do not have to worry about maturity dates. Money market accounts yield a higher return on your deposits then our traditional savings accounts. Unlike some accounts you may see advertised (where your investment is not insured), your deposit at Employees Federal Credit Union is federally insured to at least $250,000 by the National Credit Union Administration.

With uncertainty over the ability of Social Security to meet your needs, you will be forced to rely more on your own resources to support your retirement lifestyle. Individual Retirement Accounts (IRA’s) are great tax-favored ways to save for retirement. With a traditional IRA, your earnings grow tax deferred, so you won’t owe income taxes until you make withdrawals. If you are eligible, your contributions may be tax deductible. The Credit Union offers both Traditional and Roth IRA in savings.

With only a $1,000 deposit, members can access the six to sixty month share certificates with above average yields that are amongst the highest around.

Members who maintain a checking account with us enjoy great benefits such as:

  • No Minimum Deposit
  • Free ATM/Debit cards
  • Exclusive access to our 60,000+ Free ATM's
  • Overdraft Protection*
  • Free 24/7 Online account access
  • Access to discounted Auto Insurance*
  • Access to discounted Accidental Death & Dismemberment Insurance
  • Free E-Statements
  • Free Text Alerts
  • Free E-mail Alerts
*terms and conditions apply

If you have any questions or would like additional information about opening a checking account with us, feel free to call one of our friendly representatives to assist you at (918).582.7573 or click here to apply for a checking account.

We look forward to being your Premier Banking Choice!

The money on deposit at Employees Federal Credit Union is insured by the National Credit Union Administration (NCUA) for up to $250,000 per member through the National Credit Union Share Insurance Fund (NCUSIF). The NCUA is a federal agency that has oversight of all federally insured credit unions in the United States.

EFCU has partnered with Polaris Portfolios to provide investment and wealth management services. Polaris is a wealth management firm that works specifically with credit union members. Members are able to invest for any life event, receive a diversified portfolio, utilize financial planning tools, and access financial advisors from a computer, tablet, or mobile device. Polaris offers several account types, including: individual, business; Traditional, Roth, SEP, SIMPLE, and Rollover IRAs. In addition, the firm provides: 401(k), Roth 401(k), 403(b), 457 plans; and HSAs. For more information; to get started; or to log in, visit: