Tulsa, OK Credit Unions Near Me: Personal Loans & Payday Alternatives

Looking for credit unions near you in Tulsa? As of July 2026, there are 47 credit union locations serving Tulsa residents with personal loans, payday alternative loans (PALs), and low-rate financing.

Tulsa credit unions offer lower fees, better loan rates, and personalized service compared to traditional banks. Compare payday alternatives, auto loans, mortgages, and free checking, all federally insured by the NCUA up to $250,000.

Can't join a local credit union right now? You can still compare online personal loans and installment loans, including options for bad credit and fair credit that can fund quickly.

Quick Facts: Credit Unions Near You in Tulsa (Q3 2026)

47
Credit Union Locations
17
Offer Payday Alternatives
6
Has Credit Builder Loans
28%
APR cap on PALs (NCUA)

July 2026: Mid-Year Financial Checkup

Half the year is gone, so review your finances. Tulsa credit unions offer free financial counseling to members.

Tulsa Credit Unions Directory - Find Locations Near You

1120 W 17th St

Tulsa, OK 74107

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

1320 S Lewis Ave

Tulsa, OK 74104-4205

Payday Alternative LoansFinancial Counseling

6555 S Lewis Ave

Tulsa, OK 74136

Bilingual ServicesFinancial Counseling

1014 E Pine St

Tulsa, OK 74106-4957

Minority DepositoryFinancial Counseling

4956 S Peoria Ave

Tulsa, OK 74105

Bilingual ServicesFinancial Counseling

5001 E 91st St

Tulsa, OK 74137

Bilingual ServicesFinancial Counseling

9815 E 81st St

Tulsa, OK 74133

Bilingual ServicesFinancial Counseling

9323 E 21st St

Tulsa, OK 74129-1400

Payday Alternative LoansBilingual Services

Tulsa Base, Administration Building 3900 N Mingo Rd

Tulsa, OK 74116

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

3106 S Sheridan Rd

Tulsa, OK 74145

Payday Alternative LoansBilingual Services

108 E 8th St

Tulsa, OK 74119-1604

Payday Alternative LoansBilingual Services

218 W 6th St Room 108

Tulsa, OK 74119-1004

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

585 N Memorial Dr

Tulsa, OK 74115

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

1320 S Lewis Ave

Tulsa, OK 74104

Payday Alternative LoansFinancial Counseling
Bilingual ServicesFinancial Counseling

4500 S 129th East Ave

Tulsa, OK 74134-5801

Bilingual ServicesFinancial Counseling

1419 S Denver Ave

Tulsa, OK 74119

Payday Alternative LoansFinancial Counseling

6105a S Mingo Rd Ste a

Tulsa, OK 74133-6316

Financial Counseling

11335 E 41st St

Tulsa, OK 74146

Bilingual ServicesFinancial Counseling

6728 E 81st St

Tulsa, OK 74133

Bilingual ServicesFinancial Counseling

8075 S Olympia Ave

Tulsa, OK 74132-1861

Bilingual ServicesFinancial Counseling

515 S Peoria Ave

Tulsa, OK 74120

Bilingual ServicesFinancial Counseling

10245 S 82nd East Ave

Tulsa, OK 74133-7239

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

201 W 5th St Ste 320

Tulsa, OK 74103-4215

Payday Alternative LoansCredit BuilderBilingual ServicesFinancial Counseling

5321 E 41st St

Tulsa, OK 74135

Bilingual ServicesFinancial Counseling

6161 S Yale Ave Crossover To Xavier Building

Tulsa, OK 74136-1902

Bilingual Services

8920 E 61st St

Tulsa, OK 74133

Payday Alternative LoansBilingual ServicesFinancial Counseling

14501 E 21st St

Tulsa, OK 74134

Bilingual ServicesFinancial Counseling

3720 E 31st St

Tulsa, OK 74135

Bilingual ServicesFinancial Counseling

7155 Riverside Pkwy

Tulsa, OK 74136

Bilingual ServicesFinancial Counseling

140 E Pine St

Tulsa, OK 74106-4861

Bilingual ServicesFinancial Counseling

10081 E 81st St

Tulsa, OK 74133

Bilingual ServicesFinancial Counseling

10790 S Memorial Dr

Tulsa, OK 74133

Payday Alternative LoansBilingual Services

7125 S Yale Ave

Tulsa, OK 74136

Payday Alternative LoansBilingual Services

3516 E 31st St

Tulsa, OK 74135

Payday Alternative LoansBilingual Services
Payday Alternative LoansBilingual Services

Tulsa Credit Union Services at a Glance

47 credit union locations serve Tulsa residents. 17 offer Payday Alternative Loans (PALs). 6 offer credit builder programs. 33 provide financial counseling. As member-owned institutions, they typically offer lower rates than traditional banks.

Personal Loans

Unsecured loans with APRs typically between 8-18%, far lower than payday lenders. Options for debt consolidation available.

Auto Loans

Typically 1-2% lower than bank rates for new and used vehicles. Refinancing options available.

Savings & CDs

NCUA-insured accounts up to $250,000. Share certificates often offer higher APY than bank CDs.

Note: Rates vary by credit union and change frequently. Contact individual credit unions for current rates.

Payday Loan Alternatives in Tulsa, OK

If you need quick cash in Tulsa, credit unions offer much safer alternatives to payday loans with significantly lower rates and better terms.

Payday Alternative Loans (PALs)

Many Tulsa credit unions offer PALs, which are small-dollar loans from $200-$2,000 with APRs capped at 28% (vs 300-400% for payday loans).

  • • PALs I: $200-$1,000, 1-6 month terms
  • • PALs II: Up to $2,000, up to 12 months

Credit Builder Loans

Build or rebuild your credit score with credit builder loans offered by Tulsa credit unions. Payments are reported to credit bureaus.

  • • Improve credit score over time
  • • Low-risk way to establish credit

Why Choose a Credit Union in Tulsa?

Lower Rates & Fees

Credit unions in Tulsa typically offer lower interest rates on loans and higher rates on savings compared to banks. As not-for-profit institutions, they return earnings to members.

Local Community Focus

Tulsa credit unions reinvest in the local community and often provide more personalized service than large national banks.

NCUA Insured

Your deposits are federally insured up to $250,000 by the National Credit Union Administration, the same protection as FDIC insurance.

Payday Loan Alternatives

Many credit unions offer Payday Alternative Loans (PALs) with much lower rates than traditional payday lenders, typically capped at 28% APR.

How to Find Credit Unions Near Me in Tulsa

Searching for "credit unions near me" in Tulsa, OK? You've found the right place. This page lists all 47 credit union locations serving Tulsa residents with hours and services.

Why Search "Credit Unions Near Me"?

  • • Lower loan rates than payday lenders (8-18% vs 300%+ APR)
  • • Higher savings rates than big banks
  • • Personalized service from local staff
  • • NCUA insurance protects your deposits

What Tulsa Credit Unions Offer

  • • Payday loan alternatives (PALs) up to $2,000
  • • Personal loans for debt consolidation
  • • Auto loans with competitive rates
  • • Free checking and mobile banking

Unlike payday lenders, credit unions in Tulsa are member-owned and not-for-profit, meaning better rates for you. Many accept members who live, work, or worship in Oklahoma.

More Credit Unions Near You in Oklahoma

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Frequently Asked Questions about Tulsa Credit Unions

How many credit unions are there in Tulsa?

There are currently 47 credit union locations serving the Tulsa, Oklahoma area. Most are full-service branches offering checking, savings, and loans.

Can anyone join a credit union in Tulsa?

Most credit unions have "field of membership" requirements. However, many Tulsa credit unions are community-based, meaning if you live, work, worship, or attend school in Tulsa or OK, you are likely eligible to join.

What are Payday Alternative Loans (PALs)?

PALs are small-dollar loans offered by federal credit unions as a safer alternative to predatory payday loans.17 credit unions in Tulsa offer these loans.Application fees are capped at $20, and interest rates cannot exceed 28%.

Are my deposits safe in a Tulsa credit union?

Yes. Just like the FDIC insures banks, the National Credit Union Administration (NCUA) federally insures credit union deposits up to $250,000. All credit unions listed on this page are NCUA insured.

About This Page

This page lists all 47 credit union locations in Tulsa, Oklahoma. Data is sourced from the NCUA and verified against credit union websites. This page is automatically refreshed to reflect current credit union availability, services, and contact information.

Data Verified: July 10, 2026
Credit Union Locations Listed: 47