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Encentus

1320 S Lewis Ave, Tulsa, OK 74104
NCUA Insured4.6 (95 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1320 S Lewis Ave

Tulsa, OK 74104

Service Area

This credit union is located in Tulsa and serves members in the OK area. Currently serving 4,580 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.84%

Used Auto Loan

6.41%

Personal Loan

9.82%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OK

Lowest rates currently reported by credit unions in OK (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

95 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Tammy Swanson

Tammy Swanson

9 months ago

I’ve had nothing but great experiences with Encentus Federal credit union. The staff is always friendly, professional, and willing to go the extra mile to help. Whether it’s opening an account, answering questions, or handling transactions, everything is done quickly and with a personal touch. They truly care about their customers and community. I’m grateful to have such a reliable and welcoming bank right here locally.

Victoria Traylor

Victoria Traylor

8 months ago

My family and I have been banking at Encentus for over 20 years. In those years, we have always had a positive experience! In addition, all of the staff (in person, drive-thru, or over the phone) are nice, informative, and amazing!

2bFair Thomas

2bFair Thomas

8 months ago

I have never said this before but I LOVE MY CREDIT UNION!! It's all because of the employees!! I am visually impaired and they are always patience, helpful, professional and friendly. They take the time to fully answer my questions and explain things if needed. The most important part is that I feel like they look out for me!!

Myesha Barnes

Myesha Barnes

9 months ago

I love my bank (EFCU). I have been a member for 10+ years. I think they have just about everything that you would need at a bank. I have seen the bank services grow with new technology over the years. Easy applications for loans and credit cards with lower interest rates Etc. I am very satisfied and would recommend Encentus.

Monkey Love

Monkey Love

9 months ago

I have been there over 20 years. Absolutely loved all that has come and gone. . Always pleasant, help with questions and offer advice on what is best . I would definitely recommend them over any other bank , and with my money

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).