First Oklahoma Announces Intent to Merge with Green Country Federal Credit Union

First Oklahoma Federal Credit Union has announced its intent to merge with Green Country Federal Credit Union following approval of the merger plan by the National Credit Union Administration (NCUA). The proposal now moves forward to a member vote in early 2026.

This partnership represents an exciting new chapter for our members and staff. By joining forces with Green Country (another locally owned, member-focused credit union) we’ll be able to offer more services, improved technology, and greater access across northeastern Oklahoma, all while keeping the personal service and community values that define us.

For more than a century, First Oklahoma has been proud to serve working Oklahomans with honesty and care. Green Country shares that same commitment. Together, we’ll continue to make local decisions, support our communities, and invest in the tools and people who help our members thrive.

If members approve the merger vote in January 2026, the legal merger is expected to take effect in April 2026. No immediate changes will occur for members or accounts, and all staff will remain in place to ensure a smooth transition.

As the process continues, we’ll share regular updates by mail, email, and in branches. We encourage all members to stay informed and participate in the vote, and your voice matters in shaping the future of your credit union.

For more details on the merger process, please review the Frequently Asked Questions below.

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Why are First Oklahoma FCU and Green Country FCU merging?

First Oklahoma’s Board chose Green Country as a merger partner because together, we can serve members better. By joining forces, we’ll have more resources to invest in new technology, expanded services, and staff support. First Oklahoma’s smaller size has made it harder to add certain offerings on its own, and this partnership opens the door to more products, more convenience, and continued personal service — all while keeping the values members have always trusted.

Which credit union will continue after the merger?

Green Country FCU will be the continuing credit union. But First Oklahoma’s story as Oklahoma’s first credit union will always be part of who we are, and we are committed to honoring that proud tradition and incorporating that strong history into our culture.

What happens to my accounts?

For now, nothing changes. Your accounts work just like always. When systems are combined, we’ll guide you through every step to make things simple and stress-free.

Will my account numbers, checks, or debit/credit cards change?

Possibly, but nothing is final yet. If changes are needed, you’ll get plenty of notice, clear instructions, and personal support to make it easy.

Will my rates or fees change?

No immediate changes are planned. You’ll continue to enjoy competitive rates and a member-first approach, with more options in the future.

What new services will I have?

You’ll gain access to mortgage services, small business and commercial services, new technology tools, and the added benefits of Green Country’s Community Development Financial Institution (CDFI) programs.

Will I still see the same staff at my branch?

Yes. There are no layoffs or staff reductions. You’ll keep seeing the same friendly faces you know.

Will any branches close?

There are no current plans to close branches. Together, we’ll have five locations serving seven northeastern Oklahoma counties, with plans to grow in the future.

Where are the branches located?

The combined credit union will serve Creek, Osage, Okmulgee, Pawnee, Rogers, Tulsa, and Wagoner counties, with branches in Downtown Tulsa, Sand Springs, Prattville, Glenpool, and Coweta.

What does it mean that Green Country is a CDFI?

It means we can access special funding and programs that expand lending, improve credit access, and support working families and small businesses.

What kinds of mortgage and business services will now be available?

Everything from first-time homebuyer programs to refinancing and home equity loans, plus small business and commercial loans to help local entrepreneurs.

How does this benefit me compared to a smaller credit union?

We’ll still know you by name, but with more tools, technology, and services to make life easier.

When will I start to see changes?

The legal merger is planned for April 2026, assuming members approve the vote in January 2026. Systems will combine later in the year. As the process moves forward, you’ll receive updates by mail, email, and in branches.

Will the credit union still be locally owned and member-focused?

Yes. We remain not-for-profit and member-owned. Decisions are still made locally, and members come first.

What will happen to the First Oklahoma name?

The combined credit union will move forward as Green Country, but we are committed to keeping First Oklahoma’s history alive and celebrating it for years to come.

What about First Oklahoma’s CEO?

He will join Green Country’s executive team, ensuring that First Oklahoma’s voice continues to shape how we serve members.

What will happen to First Oklahoma’s Board of Directors?

During the merger process, First Oklahoma’s board will serve in an advisory role, helping ensure members and staff are taken care of throughout the transition. After the merger, some members of the First Oklahoma board may join Green Country’s board or serve on board committees, so their voice and perspective continue to guide the credit union.

Will community involvement continue?

Yes. Local events, sponsorships, and community programs will remain a key part of who we are.

When will members vote on the merger?

First Oklahoma members will receive a ballot and more details in November 2025. The member vote will take place in January 2026, and if approved, the legal merger will happen in April 2026.

What happens between now and the vote?

You’ll keep banking just like always. In the meantime, you’ll start seeing more about Green Country — who we are, what we offer, and how we’ll carry forward First Oklahoma’s proud tradition.

Why do I mail the ballot to an address in Texas? (Is Green Country in Texas?)

Green Country FCU and First Oklahoma FCU use Waypoint Advisory Services — a neutral, third-party auditor — to securely collect and tally all merger ballots. Their mailing facility is located in Texas, but Green Country FCU is locally owned and operated right here in Northeastern Oklahoma.