Welcome to Oak Trust Credit Union

As a not-for-profit financial cooperative, owned and operated for the members, you’re more than an account number – you are part of the Oak Trust family! Since there are no stockholders to pay, we are able to offer higher dividend rates on deposit accounts and charge lower rates on loans. Additionally, we offer a full range of convenient low-cost financial services that fit your lifestyle.

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Apply for a Real Estate Loan Today!

Mortgages – Perfect for New or Experienced Home Buyers

Apply for a Mortgage today!

Real Estate Loans from Oak Trust Credit Union

Whether you are financing your first home or moving to a new home, we offer smart, simple solutions to fit your needs. Choose from a full range of home financing options, including fixed and adjustable rate loans. Special programs are available for first time home buyers and borrowers with imperfect credit.

You can count on Oak Trust for competitive rates, low closing costs and knowledgeable professionals to guide you through the entire loan process.

Homeowners Insurance Program – Rent or Own, the MEMBERS® Auto and Homeowners Insurance Program will protect it all. Click for a FREE rate quote.

Apply for a Mortgage today!


Coming to a Branch Near You – With Shared Branching

Personalized service is a major benefit of banking at Oak Trust Credit Union, and you don’t have to sacrifice convenience to get it. Take advantage of Oak Trust’s shared branching services through CO-OP Shared Branch and you can access your account at any of 5,100 credit union branches nationwide, often just as if you were visiting one of our own.

The national CO-OP Shared Branch network links participating credit unions electronically, allowing credit union members to do “branch banking” even when the branch near you doesn’t belong to Oak Trust. This is a huge benefit to Oak Trust members who travel, whose workplaces don’t coincide with our branch locations, or who simply enjoy the convenience of expanded access. Wherever you are across the country, chances are good there’s a shared branch near you.

Shared branching is yet another example of credit union membership offering the best of both worlds—individualized attention and nationwide availability. The cooperative spirit of credit unions allows them to work with each other in ways that competing banks typically do not. Visit www.co-opsharedbranch.org or download the Shared Branch Locator app for iPhone or Android to find branches nearest you. You can also look for the “CO-OP Shared Branch” logo on the door of any credit union branch.

At a CO-OP Shared Branch location you can:

  • Make deposits and withdrawals
  • Make loan payments
  • Receive loan advances
  • Access VISA® or MasterCard® funds

Many shared branches also offer transfers, statement histories, money orders, traveler’s checks and notary services. Since services vary from one location to another, check with individual branches before your visit for a complete menu of available services.


Convenience and Access Through CO-OP Network® ATMs at 7-Eleven® Stores

Access and convenience. That’s what Oak Trust members enjoy through our membership in the CO-OP ATM network, the nation’s largest credit union surcharge-free ATM network. The same two words describe your neighborhood 7-Eleven® store, where you can pick up a gallon of milk, a lottery ticket – or some surcharge-free cash.

Oak Trust members are able to withdraw cash surcharge-free at CO-OP ATM locations in more nearly 5,600 7-Eleven stores nationwide, 2,000 of which are also deposit-taking. Credit union members across the United States have saved more than $50 million in surcharge fees just by using these ATMs.

The CO-OP ATM network operates more nearly 30,000 surcharge-free ATMs across 50 states and Canada at credit union branches, airports, supermarkets and convenience stores. To find a CO-OP ATM surcharge-free location near you, visit www.co-opnetwork.org.




When You Need an ATM, a Bigger Network is Better

When you need convenient ATM access without paying a surcharge, a bigger network is better. Oak Trust Credit Union is pleased to belong to the CO-OP ATM network, the largest credit union-owned ATM network in the United States. The CO-OP ATM network operates nearly 30,000 surcharge-free ATMs across the country for the benefit of credit union members. How convenient is that?

Anyone who’s had to wander from place to place searching for an in-network ATM knows the value of more locations. CO-OP ATM network locations are found in credit union branches, supermarkets and 7-Eleven® stores, as well as a multitude of freestanding locations. Simply put, they’re everywhere. And they are always surcharge-free for Oak Trust members.

What’s even better than surcharge-free ATM access? How about choice? Suppose you’re standing in front of an ATM that doesn’t belong to the CO-OP ATM network and you really need the funds, regardless of surcharge. Your Oak Trust ATM card also works at ATMs worldwide, because CO-OP Network has links to NYCE, STAR, Cirrus, Pulse and Plus. You get the best of both worlds: the largest network of fee-free ATMs and expanded choices when fees are not an issue.

The CO-OP ATM network isn’t just bigger; it’s better. It’s designed strictly for the benefit of its credit union members—no collecting fees in order to turn a profit and no making money at your expense. Because credit unions and the ATM network they support are owned by members, the dividends (convenience, free access) are yours. It’s the largest surcharge-free credit union ATM network on the planet—and it belongs to you.

To find the surcharge-free CO-OP ATMs in your neighborhood, visit www.co-opnetwork.org.




Smart, Simple Mortgage Solutions

FREE VISA Balance Transfers