What are the current interest rates at Tinker Federal Credit Union?

Current rates for Tinker Federal Credit Union include: 12-Month CD: 3.54%, 18-Month CD: 0.65%, 24-Month CD: 3.69%, 60-Month CD: 3.83%, MMA: 0.50%

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Tinker Federal Credit Union

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Tinker Federal Credit Union Rates & Review November 2026

Q: What CD terms does Tinker Federal Credit Union offer?

Tinker Federal Credit Union CD rates are 4.11% APY for a 12 month CD, 0.65% APY for an 18 month CD, 4.26% APY for a 2 year CD, 4.31% APY for a 3 year CD, 4.36% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Tinker Federal Credit Union for its full lineup.

Q: Is a member application needed to join Tinker Federal Credit Union?

Yes, to access services at Tinker Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Tinker Federal Credit Union's 60 Month Term CD rates are at 4.40%, 48 Month Term CD rates are at 4.36%, 36 Month Term CD rates are at 4.31%, 24 Month Term CD rates are at 4.26%, 12 Month Term CD rates are at 4.11%. Tinker Federal Credit Union's money market rates are at 0.50%. Tinker Federal Credit Union's checking rates are as high as 3.21%. Tinker Federal Credit Union's Auto Loan Rates are as low as 3.99%. Tinker Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Tinker Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.34%. Rates last updated and verified on 10/31/2026.

Tinker Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tinker Federal Credit Union? Share your experience about Tinker Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tinker Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.34%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Tinker Federal Credit Union
TFCU Corporate Office

715 Metropolitan Ave
Oklahoma City, OK 73108-2054

https://www.tinkerfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Tinker Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Term Share (Certificate) / IRA	4.32%	4.40%	60 months
Min Balance $99,000 Details Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89% Oct 2, 20264.40%▲ from 3.89% Sep 18, 20263.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share Certificate	4.32%	4.40%	60 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 20, 20264.40%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA	4.28%	4.36%	48 months
Min Balance $99,000 Details Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96% Oct 2, 20264.36%▲ from 3.96% Sep 18, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share Certificate	4.28%	4.36%	48 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96% Oct 20, 20264.36%▲ from 3.96% Sep 24, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA	4.23%	4.31%	36 months
Min Balance $99,000 Details Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90% Oct 2, 20264.31%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share Certificate	4.23%	4.31%	36 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90% Oct 20, 20264.31%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA	4.22%	4.30%	60 months
Min Balance $50,000 Details Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 2, 20264.30%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share Certificate	4.22%	4.30%	60 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 20, 20264.30%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA	4.18%	4.26%	24 months
Min Balance $99,000 Details Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90% Oct 2, 20264.26%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share Certificate	4.18%	4.26%	24 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90% Oct 20, 20264.26%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA	4.18%	4.26%	48 months
Min Balance $50,000 Details Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85% Oct 2, 20264.26%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share Certificate	4.18%	4.26%	48 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85% Oct 20, 20264.26%▲ from 3.85% Sep 24, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA	4.13%	4.20%	36 months
Min Balance $50,000 Details Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 2, 20264.20%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share Certificate	4.13%	4.20%	36 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 20, 20264.20%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA	4.12%	4.19%	60 months
Min Balance $25,000 Details Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79% Oct 2, 20264.19%▲ from 3.79% Sep 18, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share Certificate	4.12%	4.19%	60 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79% Oct 20, 20264.19%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA	4.08%	4.15%	24 months
Min Balance $50,000 Details Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 2, 20264.15%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share Certificate	4.08%	4.15%	24 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 20, 20264.15%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA	4.05%	4.15%	48 months
Min Balance $25,000 Details Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 2, 20264.15%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share Certificate	4.05%	4.15%	48 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 20, 20264.15%▲ from 3.75% Sep 24, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share (Certificate) / IRA	4.04%	4.11%	12 months
Min Balance $99,000 Details Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76% Oct 2, 20264.11%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share Certificate	4.04%	4.11%	12 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76% Oct 20, 20264.11%▲ from 3.76% Sep 24, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA	4.03%	4.10%	36 months
Min Balance $25,000 Details Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70% Oct 2, 20264.10%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share Certificate	4.03%	4.10%	36 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70% Oct 20, 20264.10%▲ from 3.70% Sep 24, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA	3.98%	4.05%	24 months
Min Balance $25,000 Details Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70% Oct 2, 20264.05%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share Certificate	3.98%	4.05%	24 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70% Oct 20, 20264.05%▲ from 3.70% Sep 24, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share (Certificate) / IRA	3.94%	4.01%	12 months
Min Balance $50,000 Details Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65% Oct 2, 20264.01%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share Certificate	3.94%	4.01%	12 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65% Oct 20, 20264.01%▲ from 3.65% Sep 24, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share (Certificate) / IRA	3.94%	4.01%	9 months
Min Balance $99,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65% Oct 2, 20264.01%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share Certificate	3.94%	4.01%	9 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65% Oct 20, 20264.01%▲ from 3.65% Sep 24, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA	3.92%	3.99%	60 months
Min Balance $10,000 Details Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.63% → 3.99% ▲ 0.36 pts · high 3.99% / low 3.63% Oct 2, 20263.99%▲ from 3.63% Sep 18, 20263.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share Certificate	3.92%	3.99%	60 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.69% → 3.99% ▲ 0.30 pts · high 3.99% / low 3.69% Oct 20, 20263.99%▲ from 3.69% Sep 24, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share (Certificate) / IRA	3.89%	3.96%	6 months
Min Balance $99,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60% Oct 2, 20263.96%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share Certificate	3.89%	3.96%	6 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60% Oct 20, 20263.96%▲ from 3.60% Sep 24, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA	3.88%	3.94%	48 months
Min Balance $10,000 Details Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54% Oct 2, 20263.94%▲ from 3.54% Sep 18, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share Certificate	3.88%	3.94%	48 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.64% → 3.94% ▲ 0.30 pts · high 3.94% / low 3.64% Oct 20, 20263.94%▲ from 3.64% Sep 24, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share (Certificate) / IRA	3.84%	3.90%	12 months
Min Balance $25,000 Details Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55% Oct 2, 20263.90%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share Certificate	3.84%	3.90%	12 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55% Oct 20, 20263.90%▲ from 3.55% Sep 24, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share (Certificate) / IRA	3.84%	3.90%	9 months
Min Balance $50,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55% Oct 2, 20263.90%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share Certificate	3.84%	3.90%	9 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55% Oct 20, 20263.90%▲ from 3.55% Sep 24, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA	3.83%	3.89%	36 months
Min Balance $10,000 Details Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.49% → 3.89% ▲ 0.40 pts · high 3.89% / low 3.49% Oct 2, 20263.89%▲ from 3.49% Sep 18, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share Certificate	3.83%	3.89%	36 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.59% → 3.89% ▲ 0.30 pts · high 3.89% / low 3.59% Oct 20, 20263.89%▲ from 3.59% Sep 24, 20263.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share (Certificate) / IRA	3.79%	3.85%	6 months
Min Balance $50,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50% Oct 2, 20263.85%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share Certificate	3.79%	3.85%	6 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50% Oct 20, 20263.85%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA	3.78%	3.84%	24 months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49% Oct 2, 20263.84%▲ from 3.49% Sep 18, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share Certificate	3.78%	3.84%	24 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.59% → 3.84% ▲ 0.25 pts · high 3.84% / low 3.59% Oct 20, 20263.84%▲ from 3.59% Sep 24, 20263.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share (Certificate) / IRA	3.77%	3.83%	60 months
Min Balance $1,000 Details Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.43% → 3.83% ▲ 0.40 pts · high 3.83% / low 3.43% Oct 2, 20263.83%▲ from 3.43% Sep 18, 20263.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Term Share Certificate	3.77%	3.83%	60 months
Min Balance $1,000 Details Balance tier: $1,000; Early Withdrawal Penalty: 360 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.53% → 3.83% ▲ 0.30 pts · high 3.83% / low 3.53% Oct 20, 20263.83%▲ from 3.53% Sep 24, 20263.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share (Certificate) / IRA	3.74%	3.80%	9 months
Min Balance $25,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45% Oct 2, 20263.80%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share Certificate	3.74%	3.80%	9 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45% Oct 20, 20263.80%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share (Certificate) / IRA	3.73%	3.79%	48 months
Min Balance $1,000 Details Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.39% → 3.79% ▲ 0.40 pts · high 3.79% / low 3.39% Oct 2, 20263.79%▲ from 3.39% Sep 18, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Term Share Certificate	3.73%	3.79%	48 months
Min Balance $1,000 Details Balance tier: $1,000; Early Withdrawal Penalty: 300 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49% Oct 20, 20263.79%▲ from 3.49% Sep 24, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share (Certificate) / IRA	3.69%	3.75%	6 months
Min Balance $25,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40% Oct 2, 20263.75%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share Certificate	3.69%	3.75%	6 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40% Oct 20, 20263.75%▲ from 3.40% Sep 24, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share (Certificate) / IRA	3.68%	3.74%	36 months
Min Balance $1,000 Details Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.34% → 3.74% ▲ 0.40 pts · high 3.74% / low 3.34% Oct 2, 20263.74%▲ from 3.34% Sep 18, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Term Share Certificate	3.68%	3.74%	36 months
Min Balance $1,000 Details Balance tier: $1,000; Early Withdrawal Penalty: 240 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.44% → 3.74% ▲ 0.30 pts · high 3.74% / low 3.44% Oct 20, 20263.74%▲ from 3.44% Sep 24, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share (Certificate) / IRA	3.64%	3.70%	12 months
Min Balance $10,000 Details Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 2, 20263.70%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share Certificate	3.64%	3.70%	12 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 20, 20263.70%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share (Certificate) / IRA	3.63%	3.69%	24 months
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.34% → 3.69% ▲ 0.35 pts · high 3.69% / low 3.34% Oct 2, 20263.69%▲ from 3.34% Sep 18, 20263.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Term Share Certificate	3.63%	3.69%	24 months
Min Balance $1,000 Details Balance tier: $1,000; Early Withdrawal Penalty: 180 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.44% → 3.69% ▲ 0.25 pts · high 3.69% / low 3.44% Oct 20, 20263.69%▲ from 3.44% Sep 24, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share (Certificate) / IRA	3.54%	3.59%	9 months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.59% ▲ 0.24 pts · high 3.59% / low 3.35% Oct 2, 20263.59%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share Certificate	3.54%	3.59%	9 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.35% → 3.59% ▲ 0.24 pts · high 3.59% / low 3.35% Oct 20, 20263.59%▲ from 3.35% Sep 24, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Starting Line Share Certificate	3.49%	3.54%	12 months
Min Balance $25 Details 12-month maturity; 90-day early withdrawal penalty; will renew into standard 12-month certificate if balance is $1,000 or more; regular deposits are encouraged Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.54% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share (Certificate) / IRA	3.49%	3.54%	12 months
Min Balance $1,000 Details Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29% Oct 2, 20263.54%▲ from 3.29% Sep 18, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Term Share Certificate IRA	3.49%	3.54%	12 months
Min Balance $500 Details IRA Only; Balance tier: $500; Early Withdrawal Penalty: 120 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29% Oct 2, 20263.54%▲ from 3.29% Sep 18, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share (Certificate) / IRA	3.49%	3.54%	6 months
Min Balance $10,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29% Oct 2, 20263.54%▲ from 3.29% Sep 18, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share Certificate	3.49%	3.54%	6 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 24, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29% Oct 20, 20263.54%▲ from 3.29% Sep 24, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share (Certificate) / IRA	3.39%	3.44%	9 months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.19% → 3.44% ▲ 0.25 pts · high 3.44% / low 3.19% Oct 2, 20263.44%▲ from 3.19% Sep 18, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Term Share Certificate IRA	3.39%	3.44%	9 months
Min Balance $500 Details IRA Only; Balance tier: $500; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.19% → 3.44% ▲ 0.25 pts · high 3.44% / low 3.19% Oct 2, 20263.44%▲ from 3.19% Sep 18, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share (Certificate) / IRA	3.36%	3.41%	3 months
Min Balance $99,000 Details Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.41% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share Certificate	3.36%	3.41%	3 months
Min Balance $99,000 Details Balance tier: $99,000; Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share (Certificate) / IRA	3.34%	3.39%	6 months
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.14% → 3.39% ▲ 0.25 pts · high 3.39% / low 3.14% Oct 2, 20263.39%▲ from 3.14% Sep 18, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Term Share Certificate IRA	3.34%	3.39%	6 months
Min Balance $500 Details IRA Only; Balance tier: $500; Early Withdrawal Penalty: 90 Days Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.14% → 3.39% ▲ 0.25 pts · high 3.39% / low 3.14% Oct 2, 20263.39%▲ from 3.14% Sep 18, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share (Certificate) / IRA	3.26%	3.30%	3 months
Min Balance $50,000 Details Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share Certificate	3.26%	3.30%	3 months
Min Balance $50,000 Details Balance tier: $50,000; Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History 2 changes since Sep 24, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.26% Oct 20, 20263.30%▲ from 3.26% Oct 14, 20263.26%▼ from 3.30% Sep 24, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 month Term Share (Certificate) / IRA	3.26%	3.26%	3 months
Min Balance $50,000 Details Early Withdrawal Penalty: 60 Days; Number of Days Dividend Lost for withdrawals made before maturity Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.26% ▼ 0.04 pts · high 3.30% / low 3.26% Oct 31, 20263.26%▼ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share (Certificate) / IRA	3.16%	3.20%	3 months
Min Balance $25,000 Details Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share Certificate	3.16%	3.20%	3 months
Min Balance $25,000 Details Balance tier: $25,000; Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share (Certificate) / IRA	3.06%	3.10%	3 months
Min Balance $10,000 Details Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share Certificate	3.06%	3.10%	3 months
Min Balance $10,000 Details Balance tier: $10,000; Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share (Certificate) / IRA	2.91%	2.94%	3 months
Min Balance $1,000 Details Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.94% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Term Share Certificate IRA	2.91%	2.94%	3 months
Min Balance $500 Details IRA Only; Balance tier: $500; Early Withdrawal Penalty: 60 Days Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.94% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Save & Build Certificate	2.00%	2.02%	18 months
Min Balance $25 Details Balance: $5,000 or less; Fixed dividend rate on balance of $5,000 or less; 120-day early withdrawal penalty; renews into standard 12-month certificate if balance is $1,000 or more, otherwise into Starting Line certificate; Regular deposits are encouraged; Must be enrolled in online and mobile banking with a valid email address; Only one save & build certificate per account; Must be 18 years or older, limited to one per Tax Identification Number, must have open share draft account with TFCU Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Save & Build Certificate	0.65%	0.65%	18 months
Min Balance $25 Details Balance: more than $5,000; Variable dividend rate; 120-day early withdrawal penalty; renews into standard 12-month certificate if balance is $1,000 or more, or into Starting Line certificate if less than $1,000; Regular deposits are encouraged; Must be enrolled in online and mobile banking with a valid email address; Only one save & build certificate per account; Must be 18 years or older; limited to one per Tax Identification Number; must have open share draft account with TFCU Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Tinker Federal Credit Union Savings Rates

Product	Rate	APY
IRA Share	0.30%	0.30%
No additional details. Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Share	0.25%	0.25%
Min Balance $5 Details A $5 minimum deposit and balance in share account establishes membership with TFCU Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Tinker Federal Credit Union Money Market Rates

Product	Rate	APY
Command Fund	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Balance: Balance of $2,000 or More Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Command Fund	0.30%	0.30%
Min Deposit $2,000 Min Balance $0 Details Balance: Balance up to $1,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Tinker Federal Credit Union Checking Rates

Product	Rate	APY
Click Checking	3.21%	3.21%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Log onto online and mobile banking; Pay minimum of one (1) bill using TFCU's BillPay Online; minimum of ten (10) MoneyPlus purchase transactions; sign up for e-Statements and e-Notices; minimum of one (1) direct deposit or automated payment; Balance: $0.01 to $50,000; Click rate applies if electronic standards are met according to account disclosure; Balance up to $50,000.00 earns the Click rate Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Heritage Club Checking	0.20%	0.20%
Min Deposit $0 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Classic Checking	0.00%	0.00%
Min Deposit $25 Details Non-dividend bearing account Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Tinker Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Repo Vehicle Loans	-	-	3.99%	60 Months
Details Fixed rate; Rates at a Glance; Repo loan details Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Auto Loans	-	-	5.99%	66 Months
Details Fixed rate; Rates at a Glance; Auto loan details Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 27, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Tinker Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Premium Plus	2.08%	-	2.10%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.98%	-	2.00%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.83%	-	1.85%
Min Deposit $10,000 Min Balance $200,000 Details Balance: $200,000 to $249,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.74%	-	1.75%
Min Deposit $10,000 Min Balance $150,000 Details Balance: $150,000 to $199,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.49%	-	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 to $149,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.44%	-	1.45%
Min Deposit $10,000 Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.24%	-	1.25%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.14%	-	1.15%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	1.00%	-	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Premium Plus	0.10%	-	0.10%
Min Deposit $10,000 Details Balance: up to $9,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.53%	-	3.58%	24 months
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.58%	-	3.63%	36 months
Min Balance $1,000 Details Early Withdrawal Penalty: 240 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.63% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.63%	-	3.69%	48 months
Min Balance $1,000 Details Early Withdrawal Penalty: 300 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.69% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.67%	-	3.73%	60 months
Min Balance $1,000 Details Early Withdrawal Penalty: 360 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.73% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.68%	-	3.74%	24 months
Min Balance $10,000 Details Early Withdrawal Penalty: 180 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.74% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.73%	-	3.79%	36 months
Min Balance $10,000 Details Early Withdrawal Penalty: 240 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.78%	-	3.84%	48 months
Min Balance $10,000 Details Early Withdrawal Penalty: 300 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.82%	-	3.88%	60 months
Min Balance $10,000 Details Early Withdrawal Penalty: 360 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.88% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.88%	-	3.94%	24 months
Min Balance $25,000 Details Early Withdrawal Penalty: 180 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.93%	-	4.00%	36 months
Min Balance $25,000 Details Early Withdrawal Penalty: 240 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.98%	-	4.05%	48 months
Min Balance $25,000 Details Early Withdrawal Penalty: 300 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.02%	-	4.09%	60 months
Min Balance $25,000 Details Early Withdrawal Penalty: 360 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	3.98%	-	4.05%	24 months
Min Balance $50,000 Details Early Withdrawal Penalty: 180 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.03%	-	4.10%	36 months
Min Balance $50,000 Details Early Withdrawal Penalty: 240 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.08%	-	4.15%	48 months
Min Balance $50,000 Details Early Withdrawal Penalty: 300 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.12%	-	4.19%	60 months
Min Balance $50,000 Details Early Withdrawal Penalty: 360 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.19% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.08%	-	4.15%	24 months
Min Balance $99,000 Details Early Withdrawal Penalty: 180 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.13%	-	4.20%	36 months
Min Balance $99,000 Details Early Withdrawal Penalty: 240 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.18%	-	4.26%	48 months
Min Balance $99,000 Details Early Withdrawal Penalty: 300 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Rate Booster	4.22%	-	4.30%	60 months
Min Balance $99,000 Details Early Withdrawal Penalty: 360 Days; Dividend Lost for withdrawals before maturity Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Tinker Federal Credit Union’s Texas Ratio fell from 3.39% in Q3 2023 to 2.34% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.1B	2.34%	5.0	A+
March 31, 2026	$6.1B	2.56%	5.0	A+
December 31, 2025	$6.1B	3.50%	5.0	A+
September 30, 2025	$6.2B	2.82%	5.0	A+
June 30, 2025	$6.2B	3.16%	5.0	A+
March 31, 2025	$6.2B	3.49%	5.0	A+
December 31, 2024	$6.0B	4.66%	5.0	A+
September 30, 2024	$6.0B	3.85%	5.0	A+
June 30, 2024	$6.0B	3.80%	5.0	A+
March 31, 2024	$6.1B	3.98%	5.0	A+
December 31, 2023	$6.0B	3.87%	5.0	A+
September 30, 2023	$6.0B	3.39%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Tinker Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Tinker Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Tinker Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tinker Federal Credit Union

Website https://www.tinkerfcu.org

Address 715 Metropolitan Ave, Oklahoma City, OK 73108-2054

Phone 405-732-0324

Fax 405-443-2751

President Rodney Walker

CEO David Willis

Full-Time Employees 971

Part-Time Employees 101

Branch Locations 33

ATM Locations 31

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.34%

Return on Assets (ROA)

0.4100%

Return on Equity (ROE)

2.7847%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

6,119,185,977

Total Amount of Shares and Deposits

5,199,648,625

Total Shares and Deposits < 1 Year

4,972,701,896

Total Shares and Deposits 1 3 Years

168,826,289

Total Shares and Deposits > 3 Years

58,120,440

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

700,032,359

Total Uninsured Shares and Deposits > $250K (F+J)

700,032,359

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,499,616,266

Total Interest Expense (Sum of items 6 8)

39,423,011

Share Certificates

24,079

Number of Accounts for Share Drafts

238,188

IRA KEOGH Accounts

13,348

Number of Accounts for Regular Shares

525,707

All other shares

1,551

Money Market Shares

44,572

Net Income (unless the amount is already included in Undivided Earnings)

25,087,170

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

478,525,070

Total Liabilities

5,261,360,562

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Tinker Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Tinker Federal Credit Union

Does Tinker Federal Credit Union offer CDs?

Yes. Tinker Federal Credit Union current CD rates include its 60 Month Term CD at 4.40% APY, its 48 Month Term CD at 4.36% APY and its 36 Month Term CD at 4.31% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Tinker Federal Credit Union NCUA insured?

Yes. Tinker Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Tinker Federal Credit Union?

The highest Tinker Federal Credit Union CD rate is its 60 Month CD (CD) / IRA at 4.40% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Tinker Federal Credit Union offer?

Tinker Federal Credit Union CD rates are 4.11% APY for a 12 month CD, 0.65% APY for an 18 month CD, 4.26% APY for a 2 year CD, 4.31% APY for a 3 year CD, 4.36% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Tinker Federal Credit Union for its full lineup.

What is the highest checking rate at Tinker Federal Credit Union?

The highest Tinker Federal Credit Union checking rate is its Click Checking at 3.21% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Tinker Federal Credit Union?

The lowest Tinker Federal Credit Union auto loan rate is its Repo Vehicle Loans at 3.99% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Tinker Federal Credit Union operate?

Tinker Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Tinker Federal Credit Union?

Yes, to access services at Tinker Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Tinker Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Tinker Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Tinker Federal Credit Union offer online and mobile banking?

Most modern institutions like Tinker Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tinkerfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Tinker Federal Credit Union rates compare?

Tinker Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. Tinker Federal Credit Union's top rates are its 60 Month CD (CD) / IRA at 4.40% APY, its Command Fund at 0.50% APY, its Click Checking at 3.21% APY and its Repo Vehicle Loans at 3.99% APR, verified by MonitorBankRates on October 31, 2026.

Current Tinker Federal Credit Union Rates

12-Month CD3.54%
18-Month CD0.65%
24-Month CD3.69%
60-Month CD3.83%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Tinker Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tinker Federal Credit Union Texas Ratio

Tinker Federal Credit Union Health Trend

Tinker Federal Credit Union CD Rates

Tinker Federal Credit Union Savings Rates

Tinker Federal Credit Union Money Market Rates

Tinker Federal Credit Union Checking Rates

Tinker Federal Credit Union Auto Loan Rates

Tinker Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tinker Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tinker Federal Credit Union

Does Tinker Federal Credit Union offer CDs?

Are CDs from Tinker Federal Credit Union NCUA insured?

What is the highest CD rate at Tinker Federal Credit Union?

What CD terms does Tinker Federal Credit Union offer?

What is the highest checking rate at Tinker Federal Credit Union?

What is the lowest auto loan rate at Tinker Federal Credit Union?

How many branches does Tinker Federal Credit Union operate?

Is a member application needed to join Tinker Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tinker Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Tinker Federal Credit Union rates compare?

Current Tinker Federal Credit Union Rates

Compare to Other Credit Unions