At a glance
From its website, read 2 Nov 2026Muskogee Federal Credit Union is a credit union based in Muskogee, Oklahoma. Its website describes auto loans, home mortgages and personal loans. Where it lends: Persons who live, work, worship, or attend school in Muskogee and Cherokee counties. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (918) 684-3902 source |
|---|---|
| Main | (918) 683-3460 source |
| Phone | (918) 456-9105 source |
| Apply online | Page with the application link |
| Website | www.mfcuonline.org |
| Office (official list) | 1910 W Shawnee St, Muskogee, OK 74401 |
What their website says about applying
Ready to explore your home financing options? Give one of our mortgage officers a call at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.99% | source |
| Home mortgages | Rate stated, not as an APR: see their wording | As low as 5.25% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 10.70% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Jul 2026 |
| RSSD ID | 1000977 |
| Address | 1910 W Shawnee St, Muskogee, OK 74401 Directions (Google Maps) |
| Website | www.mfcuonline.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 5 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Rate tables list auto and signature loans without loan amounts, and mortgage product pages give no amount ranges. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | New Auto Loans | source |
| Home mortgages | — | 1st or 2nd Mortgages | source |
| Personal / consumer loans | — | Signature Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Persons who live, work, worship, or attend school in Muskogee and Cherokee counties
approval was received to amend the Credit Union charter to a community charter enabling us to serve persons who live, work, worship, or attend school in Muskogee and Cherokee counties.
source
Counties this matches: Cherokee County, OK, Muskogee County, OK
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Loan Application | Muskogee Federal Credit Union
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MUSKOGEE (charter 946). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $112 million (as of 30 Jun 2026) |
|---|---|
| Members | 8,184 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Oklahoma (3 offices)
- Cherokee County (1): 4595 S Muskogee Ave, Tahlequah 74464
- Muskogee County (2): 1910 W Shawnee St, Muskogee 74401 (main office); 3502 Chandler Rd, Muskogee 74403
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Muskogee Federal Credit Union (NCUA charter 946, filed as “MUSKOGEE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $37.5 million, 3,236 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.8% from $38.6 million on 30 Jun 2025 |
| Members | 8,184 (as of 30 Jun 2026); 8,339 (as of 30 Jun 2025) |
| Loans per member | $4,581 (total loans divided by members, 30 Jun 2026) |
| Total assets | $112 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $7.4 million | 19.7% |
| Used vehicle loans | $21.8 million | 58.1% |
| First-lien home mortgages (1-4 family) | $2 million | 5.3% |
| Other real estate loans (junior liens, other) | $447,244 | 1.2% |
| Credit cards | $679,315 | 1.8% |
| Other unsecured loans | $839,778 | 2.2% |
| Leases and other secured loans | $4.4 million | 11.6% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $112 million | Larger than 38% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 33% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $38.6 million → $37.5 million (-3%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 207 → 209. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 38% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 207 → 209 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Muskogee and Oklahoma
- Arbuckle Federal Credit UnionCredit union · Ada, OKAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loansVerified
- Chickasaw Community BankBank or thrift · Oklahoma City, OK · Native CDFIHome mortgages, Small-business loansVerified
- Citizen Potawatomi Community Development CorporationLoan fund · Shawnee, OK · Native CDFIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- First Family Federal Credit UnionCredit union · Henryetta, OKAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
- Local BankBank or thrift · Hulbert, OK · Native CDFIAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home mortgages…Verified
- MetaFund Corporation f.k.a. Oklahoma MetaFund CDCVenture capital fund · Edmond, OKEquipment loans, Small-business loansVerified
Work at Muskogee Federal Credit Union? Link to this page
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