Question 1

What is Encentus Federal Credit Union (Encentus FCU)?

Accepted Answer

Encentus Federal Credit Union (Encentus FCU) is a community-focused federal credit union headquartered in Tulsa, Oklahoma. With approximately $21 million in assets and over 4,500 members, Encentus specializes in serving medical professionals and healthcare workers throughout northeastern Oklahoma.

The credit union proudly maintains its healthcare roots with the tagline "Rooted in healthcare, growing your money!" As a not-for-profit financial cooperative, Encentus provides personalized banking services with a focus on member benefits and community service.

Question 2

When was Encentus Federal Credit Union (Encentus FCU) founded?

Accepted Answer

Encentus Federal Credit Union was established in 1970, with some records indicating formal incorporation in 1972. The credit union was originally founded as St. John Tulsa Federal Credit Union to serve employees of St. John's Hospital in Tulsa.

For nearly four decades, the credit union exclusively served St. John's Hospital employees. In 2009, Encentus expanded its field of membership to include all medical professionals and their immediate family members in northeastern Oklahoma, reflecting its commitment to the broader healthcare community.

Question 3

Where is Encentus Federal Credit Union (Encentus FCU) headquartered?

Accepted Answer

Encentus Federal Credit Union is headquartered at 1320 South Lewis Avenue in Tulsa, Oklahoma. The credit union maintains its primary office at this location, serving members Monday through Friday from 8:00 a.m. to 5:00 p.m.

Question 4

Where does Encentus Federal Credit Union (Encentus FCU) operate?

Accepted Answer

Encentus FCU primarily operates in northeastern Oklahoma, with its main branch located in Tulsa. The credit union serves medical professionals, healthcare workers, and their immediate family members throughout the region.

Members also have access to over 5,000 shared branch locations across the United States through the CO-OP Shared Branch network, allowing them to conduct transactions at participating credit unions nationwide. This extended network provides convenient access to services even when members travel outside the Tulsa area.

Question 5

What services does Encentus Federal Credit Union (Encentus FCU) offer?

Accepted Answer

Encentus Federal Credit Union offers a comprehensive range of financial services designed for healthcare professionals and their families:

Deposit Accounts: Share savings accounts, checking accounts, money market accounts, and certificates of deposit with competitive rates.

Lending Services: New and used vehicle loans with pre-approval options, vehicle refinancing, personal loans, mortgages, and home equity loans. Members report competitive interest rates on both auto and mortgage products.

Digital Banking: Online banking platform, mobile banking app with mobile check deposit, Zelle for person-to-person payments, text banking (members can text the main phone number 918-430-3500 for account assistance), virtual visits with member service representatives, and eZCard for spending analysis and payment management.

Card Services: Debit cards with instant replacement printing available at the branch, credit cards, and fraud alerts via text messaging through TransFund.

Additional Services: Bill payment services, remote deposit capture, loan payment options using cards from other institutions, and access to the CO-OP ATM network for surcharge-free withdrawals.

Question 6

What makes Encentus Federal Credit Union (Encentus FCU) unique?

Accepted Answer

Encentus Federal Credit Union stands out for several distinctive features:

Healthcare Heritage: With roots dating back to 1970 serving St. John's Hospital employees, Encentus maintains a specialized understanding of healthcare professionals' financial needs. The credit union's tagline emphasizes this connection to the medical community.

Technology Investment: In 2016, Encentus partnered with Fiserv to implement the Portico core banking platform, demonstrating commitment to modern technology. The integrated suite includes advanced digital banking, mobile deposit, online account opening, and lending automation tools.

Member Service Excellence: Reviews consistently highlight friendly, helpful staff and personalized service. Long-term members, some for over 48 years, praise the credit union's patient approach and willingness to assist members even when they relocate outside the Tulsa area.

Competitive Rates: Members appreciate the credit union's low interest rates on loans and competitive rates on deposit products, reflecting the not-for-profit cooperative model where financial success benefits members rather than shareholders.

Instant Card Replacement: The credit union can print replacement debit cards on-site in less time than it takes to brew a cup of coffee, minimizing inconvenience for members.

Question 7

What type of financial institution is Encentus Federal Credit Union (Encentus FCU)?

Accepted Answer

Encentus is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). As a federal credit union, Encentus operates under federal regulations and all member deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).

The credit union follows the cooperative financial model, meaning it is owned by its members rather than outside shareholders. This structure allows Encentus to focus on member service and return profits to members through better rates, lower fees, and enhanced services.

Membership Requirements: Originally restricted to St. John's Hospital employees, membership now extends to all medical professionals and their immediate family members in northeastern Oklahoma. This specialized field of membership allows Encentus to tailor services and benefits specifically for the healthcare community.

The credit union carries a low-income designation, indicating it serves communities or groups with demonstrated need for expanded financial services and access to credit.

Encentus Federal Credit Union (Encentus FCU)

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About Encentus Federal Credit Union (Encentus FCU) in the United States