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Join Oklahoma Central Credit Union

The Mission of Oklahoma Central Credit Union (OCCU) is to make a difference in the lives of our employees, members and the communities we serve. Click here to hear from our President, Gina Wilson, on why OCCU is right for you.



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There are many reasons why you should consider becoming a member of Oklahoma Central Credit Union. In addition to our commitment to improving the Tulsa community and the membership benefits we offer, there are reasons why you should choose a credit union over a bank including:

  • We answer to our members and not to shareholders
  • We are owned by our members and, therefore, our goal is to meet their needs
  • We focus on personal service with the same level of products as a bank
  • We do not focus on profits; instead, our focus is providing you benefits and savings
  • We can offer lower rates on most credit cards and loans
  • We offer higher rates of return on your savings and checking account
  • We have fewer fees than a bank

Who Can Join Oklahoma Central Credit Union?

  • Anyone affiliated with another credit union
  • Employees; retirees of one of our more than 1,100 companies affiliated with Oklahoma Central
  • Family members of current Oklahoma Central members

If you have never considered joining a credit union, this is your opportunity to join our membership and get the full benefits we offer. You can stop by one of our branches or apply for an account online.

Here are some of the services and benefits you can enjoy as an OCCU Member:

Digital Services

Access to your Money

Financial Capability

Other Services

Refer a Friend, Share the Benefits


refer a friend today

Refer a family member or friend to open a checking account with us, and everybody shares the benefits! You’ll be doing a great thing for you, your family member or friend, and many of the disadvantaged people in Oklahoma. For each person you refer who opens a new checking account, you’ll share:

  • $100 for you
  • $100 for your family member or friend
  • $25 for a local charity*

With lots of FREE perks like Online Banking, Bill Pay, Mobile Banking and Money Management tools, Oklahoma Central checking accounts are a great choice for outstanding service and convenience. Tell your friends and family about making the SmartMove to a credit union today!

For more information, call 918-664-6000 or stop by one of our convenient locations.

Bonus/Account Information – To qualify for the Refer A Friend checking account referral program, you must refer a new member who opens a new Oklahoma Central checking account. The new member is required to set up a direct deposit of at least $200. Checking accounts must be opened with new money (money not currently held by Oklahoma Central) and a minimum initial $25 deposit is required. The $100 awarded through this program cannot be used towards the minimum opening deposit. $100 will be deposited into the current member’s account and $100 will be deposited into the new member’s account within 30 days of account opening. In addition to the $100, $25 will be donated to a charity on your behalf.

* Checking account must remain open for six months with a minimum balance of $25 or the bonus will be debited from the account at closing. APY on Smart Relationship Checking is 0.15% on balances over $2,500.** APY on Momentum Checking is 6.00% on balances under $9,999. Rate subject to change. Rate quoted as of 07/01/24. Qualifications and restrictions apply when opening the new account and ID must be presented at the time of account opening.
*Donations can be made to Children’s Miracle Network, John 3:16 Mission, Family & Children’s Services or Domestic Violence Intervention Services. Charities are subject to change.

**APY=Annual Percentage Yield







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