Question 1

What is Fire Fighters Credit Union (FFCU)?

Accepted Answer

Fire Fighters Credit Union (FFCU) is a member-owned, not-for-profit financial cooperative serving Oklahoma firefighters and their families. Based in Tulsa, Oklahoma, the credit union operates with approximately $47.2 million in total assets and serves around 2,710 members as of Q3 2025.

FFCU specializes in providing personalized financial services to the firefighting community, including qualifying fire department employees and members of the Oklahoma State Firefighters Association. As a cooperative institution, members are owners who benefit from higher savings dividends and competitive loan rates.

Question 2

When was Fire Fighters Credit Union (FFCU) founded?

Accepted Answer

Fire Fighters Credit Union was founded in 1939 to provide financial services to Oklahoma firefighters and their families. For over 85 years, the credit union has maintained its focus on serving the firefighting community throughout Oklahoma.

The credit union was established on the cooperative principle of "members helping one another financially," creating a sustainable financial institution specifically tailored to meet the unique needs of firefighters and their families.

Question 3

Where is Fire Fighters Credit Union (FFCU) headquartered?

Accepted Answer

Fire Fighters Credit Union is headquartered at 9200 East 41st Street in Tulsa, Oklahoma. The main office provides full-service banking with lobby hours Monday through Friday from 8:00 AM to 4:00 PM, and drive-thru service from 7:30 AM to 4:30 PM (opening at 8:00 AM on Wednesdays).

Question 4

Where does Fire Fighters Credit Union (FFCU) operate?

Accepted Answer

Fire Fighters Credit Union primarily operates from its single location in Tulsa, Oklahoma, serving members throughout the state. The credit union's field of membership includes qualifying fire department employees across Oklahoma and members of the Oklahoma State Firefighters Association.

FFCU members also have access to shared branching services at thousands of locations nationwide. Additionally, members can access over 30,000 surcharge-free ATMs through the CO-OP Network, extending the credit union's reach beyond its physical location.

Question 5

What services does Fire Fighters Credit Union (FFCU) offer?

Accepted Answer

Fire Fighters Credit Union provides a comprehensive range of financial products and services, including:

Deposit Accounts: Share savings accounts (required for membership with a minimum $5 deposit), and various savings products. The credit union notes that savings accounts are primarily for establishing membership and applying for loans rather than transactional purposes.

Lending Services: Consumer loans including auto loans, personal loans, and other financing options. With approximately $27.7 million in total loans as of Q3 2025, the credit union maintains a loan-to-share ratio of 75.16%.

Digital Banking: Online banking services and electronic funds transfer capabilities. Members can conduct routine transactions through shared branching locations nationwide, providing convenient access to their accounts.

Additional Services: Access to credit union service centers nationwide through shared branching agreements, wire transfer services through Catalyst Corporate FCU, and member support via toll-free phone banking at 800-786-FFCU (3328).

Question 6

What makes Fire Fighters Credit Union (FFCU) unique?

Accepted Answer

Fire Fighters Credit Union stands out for its exclusive focus on serving Oklahoma's firefighting community since 1939. The credit union's specialized membership base creates a close-knit community of members who share a common profession and lifestyle.

As a not-for-profit cooperative, FFCU returns earnings to members through higher savings dividends and competitive loan rates rather than distributing profits to outside shareholders. Every member has equal voting rights regardless of their account balance, with members electing the Board of Directors who serve on a volunteer basis.

The credit union demonstrates strong financial performance with a return on average assets of 1.10% and a robust net worth ratio of 19.15% as of Q3 2025. The institution has shown healthy growth with deposits increasing 9.09% and loans growing 10.38% over the past four quarters.

FFCU maintains a strong commitment to accessibility through its participation in nationwide shared branching networks and the CO-OP ATM network, allowing members to access their accounts conveniently despite the credit union's single physical location.

Question 7

What type of financial institution is Fire Fighters Credit Union (FFCU)?

Accepted Answer

Fire Fighters Credit Union is a state-chartered credit union regulated by state authorities and insured by the National Credit Union Administration (NCUA). The credit union holds charter number 60696 and operates under NCUA Region 2 oversight.

As a credit union, FFCU operates on a cooperative model where members are owners. Membership is restricted to qualifying fire department employees throughout Oklahoma, members of the Oklahoma State Firefighters Association, and family members (related by blood or marriage) of existing FFCU members.

To join, prospective members must complete a membership application, verify their identity and eligibility, and make an initial deposit of $5 to open a share savings account, along with a one-time $5 membership fee. This selective membership structure allows the credit union to focus on the specific financial needs of the firefighting community.

Fire Fighters Credit Union (FFCU)

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About Fire Fighters Credit Union (FFCU) in the United States