Oklahoma Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Oklahoma CD rates range from 0.05% to 4.87% APY, verified by MonitorBankRates as of October 13, 2026. Current Oklahoma CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union815 NW 58th St, Oklahoma City, OK 73118 5912A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, The Community State BankThe Community State Bank405 Us Highway 271, Wister, OK 74966A+5.0 ★Texas Ratio: 3.71%Real return: +1.75%APY minus CPI (February 2026) offering 6 Month CD at 4.55% APY, MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month CD at 4.40% APY, Tinker Federal Credit UnionTinker Federal Credit Union1620 Lonnie Abbott Blvd, Ada, OK 74820A+5.0 ★Texas Ratio: 2.34%Real return: +1.60%APY minus CPI (February 2026) offering 60 Month Term Share (Certificate) / IRA at 4.40% APY, and Vio BankVio Bank501 Nw Grand Blvd, Oklahoma City, OK 73118A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month CD at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Oklahoma side-by-side. Oklahoma CD rates currently reach as high as 4.87% APY from Advancial Federal Credit Union at 815 NW 58th St, Oklahoma City, OK 73118 5912. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Oklahoma
Oklahoma 3 Month CD Rates
MonitorBankRates Oklahoma Average · 3 Month CD2.41% APY▲ 0.03% from last weekNational 2.09%
The average 3-month CD rate in Oklahoma is 2.41% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
90 Day CD
$1,000
4.15%
▲ 1.74% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average2.41%▲ 1.74% above avgNationally 2.09%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 4.15% APY
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
13401 N Pennsylvania Ave, Oklahoma City, OK 73120
3-Month CD
$1,000
4.00%
▲ 1.59% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.59% above avgNationally 2.09%
Details
Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
3-Month Certificate
$0
4.00%
▲ 1.59% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.59% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.59% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.59% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
3 Month CD
$75,000
3.92%
▲ 1.51% above Oklahoma avg
▼
Rate3.85%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 1.51% above avgNationally 2.09%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
- Oct 12, 20263.92%▲ from 3.41%
- Sep 25, 20263.41%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.44% above Oklahoma avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average2.41%▲ 1.44% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.34% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▲ 1.34% above avgNationally 2.09%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
3 Month CD
$20,000
3.67%
▲ 1.26% above Oklahoma avg
▼
Rate3.60%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 1.26% above avgNationally 2.09%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
- Oct 12, 20263.67%▲ from 3.41%
- Sep 25, 20263.41%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month Certificate of Deposit
$1,000
3.65%
▲ 1.24% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▲ 1.24% above avgNationally 2.09%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
3 Month (90 Day) CD
$0
3.60%
▲ 1.19% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 1.19% above avgNationally 2.09%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month Certificate of Deposit
$1,000
3.55%
▲ 1.14% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▲ 1.14% above avgNationally 2.09%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
3 Month Certificate
$500
3.50%
▲ 1.09% above Oklahoma avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month IRA Certificate Special
$1,000
3.50%
▲ 1.09% above Oklahoma avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
220 W 7th St, Tulsa, OK 74119
3 Month Share Certificate
$1,000
3.50%
▲ 1.09% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 1.09% above avgNationally 2.09%
Details
APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificates
$200,000
3.50%
▲ 1.09% above Oklahoma avg
▼
Rate3.46%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.41%▲ 1.09% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 26, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.41%
▲ 1.00% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 1.00% above avgNationally 2.09%
Details
Balance: $99,000 and over
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 4 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
3 Month CD
$500
3.41%
▲ 1.00% above Oklahoma avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 1.00% above avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
3 Month Share Certificates
$0
3.41%
▲ 1.00% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 1.00% above avgNationally 2.09%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 2 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
4200 E Skelly Dr, Tulsa, OK 74135
3-Month CD
$1,000
3.40%
▲ 0.99% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.99% above avgNationally 2.09%
Details
Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 Month Certificate
$50,000
3.35%
▲ 0.94% above Oklahoma avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.30%
▲ 0.89% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.89% above avgNationally 2.09%
Details
Balance: $50,000 - $98,999.99
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 Month Certificate
$1,000
3.30%
▲ 0.89% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 0.89% above avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 6 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
3 Month Share Certificates
$0
3.30%
▲ 0.89% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.89% above avgNationally 2.09%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificates
$50,000
3.30%
▲ 0.89% above Oklahoma avg
▼
Rate3.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.41%▲ 0.89% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 26, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month Jumbo CD
$100,000
3.25%
▲ 0.84% above Oklahoma avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.84% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates - 3 Month
$0
3.25%
▲ 0.84% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.41%▲ 0.84% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.20%
▲ 0.79% above Oklahoma avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.79% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
121 W Broadway, Vici, OK 73859
3 Month Certificate
$0
3.15%
▲ 0.74% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▲ 0.74% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 8 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12201 N May Ave, Oklahoma City, OK 73120
3 Month Certificate
$2,500
3.15%
▲ 0.74% above Oklahoma avg
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 0.74% above avgNationally 2.09%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.15% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.10%
▲ 0.69% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.69% above avgNationally 2.09%
Details
Balance: $10,000 - $24,999.99
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificates
$1,000
3.10%
▲ 0.69% above Oklahoma avg
▼
Rate3.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.41%▲ 0.69% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Sep 26, 20263.10%▲ from 2.85%
- Sep 18, 20262.85%first recorded
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1501 Renaissance Blvd, Edmond, OK 73013
3 Month CD
$1,000
3.05%
▲ 0.64% above Oklahoma avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▲ 0.64% above avgNationally 2.09%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.05% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
90 Day Certificate
$2,000
3.04%
▲ 0.63% above Oklahoma avg
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▲ 0.63% above avgNationally 2.09%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
No change since Oct 7, 2026 · 3.04% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month CD
$1,000
3.00%
▲ 0.59% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.59% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 3 Months
$1,000
3.00%
▲ 0.59% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.59% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.54% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.54% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.54% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.54% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
2.94%
▲ 0.53% above Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.53% above avgNationally 2.09%
Details
IRA ONLY; Balance: $500 - $999.99
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 6 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Certificate
$1,000
2.90%
▲ 0.49% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.49% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month IRA Certificate
$1,000
2.90%
▲ 0.49% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.49% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
3 Month CD
$1,000
2.75%
▲ 0.34% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.34% above avgNationally 2.09%
Details
Rate History
1 change since Sep 8, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
- Oct 7, 20262.75%▲ from 2.25%
- Sep 8, 20262.25%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
Business 3 Month CD
$1,000
2.75%
▲ 0.34% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.41%▲ 0.34% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65%
▲ 0.24% above Oklahoma avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.41%▲ 0.24% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
- Oct 1, 20262.65%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55%
▲ 0.14% above Oklahoma avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.41%▲ 0.14% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
- Oct 1, 20262.55%▲ from 2.45%
- Sep 18, 20262.45%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.06% above Oklahoma avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.06% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
3 Month Share Certificates Plus
$0
2.47%
▲ 0.06% above Oklahoma avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▲ 0.06% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 3 months
$0
2.45%
▲ 0.04% above Oklahoma avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.41%▲ 0.04% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
- Oct 1, 20262.45%▲ from 2.34%
- Sep 18, 20262.34%first recorded
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
3 Month Certificate
$0
2.27%
▼ 0.14% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.41%▼ 0.14% below avgNationally 2.09%
Details
Rate History
No change since Oct 12, 2026 · 2.27% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
3 Month Share Certificates
$0
2.27%
▼ 0.14% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.41%▼ 0.14% below avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 3 month
$1,000
2.02%
▼ 0.39% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.41%▼ 0.39% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
Oklahoma 6 Month CD Rates
MonitorBankRates Oklahoma Average · 6 Month CD3.25% APY▲ 0.03% from last weekNational 2.78%
The average 6-month CD rate in Oklahoma is 3.25% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
6 Month CD
$0
4.55%
▲ 1.30% above Oklahoma avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.30% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
- Sep 24, 20264.55%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
6 Month TEAL Certificate
$250
4.33%
▲ 1.08% above Oklahoma avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.08% above avgNationally 2.78%
Details
Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.08% above Oklahoma avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.08% above avgNationally 2.78%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
180 Day CD
$1,000
4.25%
▲ 1.00% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average3.25%▲ 1.00% above avgNationally 2.78%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 4.25% APY
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
6 Month Certificate of Deposit
$0
4.20%
▲ 0.95% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.95% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
6 Month Certificate
$1,000
4.05%
▲ 0.80% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.80% above avgNationally 2.78%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
6 Month CD
$0
4.05%
▲ 0.80% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.80% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 3, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
701 State Highway 44, Burns Flat, OK 73624
Traditional 6 Month CD
$1,000
4.01%
▲ 0.76% above Oklahoma avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.76% above avgNationally 2.78%
Details
WSB Traditional CDs
Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
Limited Time 6 Month Share Certificate
$1,000
4.00%
▲ 0.75% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.75% above avgNationally 2.78%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
6 Month Certificate of Deposit
$1,000
4.00%
▲ 0.75% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.75% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.96%
▲ 0.71% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.71% above avgNationally 2.78%
Details
Balance: $99,000 and over
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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month Certificate of Deposit
$1,000
3.96%
▲ 0.71% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.71% above avgNationally 2.78%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 6 Month JUMBO
$100,000
3.90%
▲ 0.65% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.65% above avgNationally 2.78%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 6 Month JUMBO
$100,000
3.90%
▲ 0.65% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.65% above avgNationally 2.78%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 13, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
Balance: $50,000 - $98,999.99
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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month Certificate of Deposit
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo Certificate
$100,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo IRA Certificate
$100,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month CD
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month SCA
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 9, 20263.85%▲ from 3.00%
- Sep 21, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
6 Month CD
$500
3.85%
▲ 0.60% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.78%
Details
Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
6 Month CD
$75,000
3.82%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.57% above avgNationally 2.78%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates - 6 Months
$0
3.82%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.57% above avgNationally 2.78%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.82% APY
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
6 Month Jumbo Certificate
$75,000
3.80%
▲ 0.55% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.55% above avgNationally 2.78%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Certificate - 6 month
$1,000
3.80%
▲ 0.55% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.55% above avgNationally 2.78%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Balance: $25,000 - $49,999.99
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
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
6 Month Certificate
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Balance: $1,000+
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 6 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1501 Renaissance Blvd, Edmond, OK 73013
6 Month CD
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.75% APY
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12201 N May Ave, Oklahoma City, OK 73120
6 Month Certificate
$2,500
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.68%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.75% APY
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
6 Month (180 Day) CD
$0
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
6-Month CD
$0
3.75%
▲ 0.50% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
6-Month Term
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.78%
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
121 W Broadway, Vici, OK 73859
6 Month Certificate
$0
3.71%
▲ 0.46% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.46% above avgNationally 2.78%
Details
Rate History
No change since Sep 11, 2026 · 3.71% APY · checked 8 times
Lakeside Bank of Salina
Institution Rating:
B-4.3 ★Texas Ratio: 23.04%
103 W Ferry St, Salina, OK 74365
6 Month Jumbo Certificate of Deposit
$0
3.71%
▲ 0.46% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.46% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 6 month
$1,000
3.70%
▲ 0.45% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.45% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
301 N Main St, Seiling, OK 73663
6 Month Certificate
$0
3.66%
▲ 0.41% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.41% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
6 Month IRA
$0
3.66%
▲ 0.41% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.41% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Sep 29, 20263.66%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
608 S Main St, Stillwater, OK 74074
6-month CD
$0
3.65%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.78%
Details
Minimum balance to open: $50,000 - $250,000 New Money
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month IRA Certificate Special
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.78%
Details
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 2, 20263.65%▲ from 3.60%
- Sep 24, 20263.60%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Certificate
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.78%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month IRA Certificate
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.78%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
6 Month Certificate
$1,000
3.61%
▲ 0.36% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.36% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
6 Month Certificate
$500
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 7, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
6-month CD
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 3.60% APY · checked 8 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
6 Month CD
$100,000
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Balance: $100,000 - <$250,000; APY range: 3.60 / 3.66 APY
Rate History
2 changes since Sep 11, 2026 · 3.60% → 3.60% ▼ 0.00 pts · high 3.66% / low 3.60%
- Oct 7, 20263.60%▼ from 3.66%
- Sep 24, 20263.66%▲ from 3.60%
- Sep 11, 20263.60%first recorded
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
4110 Nowata Rd, Bartlesville, OK 74006
6-Month CD Special
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 6 Month
$1,000
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 6 Month
$1,000
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Regular CD; $1000.00 minimum; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 13, 20263.60%▲ from 3.30%
- Sep 14, 20263.30%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
6 Month Certificates
$200,000
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.55%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
- Sep 26, 20263.60%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Oklahoma 12 Month CD Rates
MonitorBankRates Oklahoma Average · 12 Month CD3.32% APY▲ 0.02% from last weekNational 2.99%
The average 12-month CD rate in Oklahoma is 3.32% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
12 Month CD
$0
4.42%
▲ 1.10% above Oklahoma avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 1.10% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
- Sep 24, 20264.42%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.03% above Oklahoma avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.32%▲ 1.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 12 Months
$500
4.33%
▲ 1.01% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 1.01% above avgNationally 2.99%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 4.33% APY
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.30%
▲ 0.98% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
12 Month CD
$500
4.30%
▲ 0.98% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.32%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Oct 6, 20264.00%first recorded
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
701 State Highway 44, Burns Flat, OK 73624
Traditional 12 Month CD
$1,000
4.26%
▲ 0.94% above Oklahoma avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.94% above avgNationally 2.99%
Details
WSB Traditional CDs
Rate History
No change since Oct 7, 2026 · 4.26% APY · checked 2 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
12 Month Certificate of Deposit
$0
4.25%
▲ 0.93% above Oklahoma avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.93% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
12 Month CD
$1,000
4.25%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average3.32%▲ 0.93% above avgNationally 2.99%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 4.25% APY
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
12 Month Certificate
$0
4.18%
▲ 0.86% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA / 12 Month Certificate
$0
4.18%
▲ 0.86% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
12 Month CD (also IRA)
$0
4.15%
▲ 0.83% above Oklahoma avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.83% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Oct 3, 20264.15%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
4.11%
▲ 0.79% above Oklahoma avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.79% above avgNationally 2.99%
Details
Balance: $99,000 and over
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
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Jumbo Share Certificates - 12 Months
$100,000
4.08%
▲ 0.76% above Oklahoma avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.76% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal; Deposits in Jumbo Certificates must be $100,000 and above
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
12 Month Certificate
$1,000
4.05%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.73% above avgNationally 2.99%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
4.01%
▲ 0.69% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.69% above avgNationally 2.99%
Details
Balance: $50,000 - $98,999.99
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
1 Year Certificate of Deposit
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
104 S Main St, Bristow, OK 74010
12 Month Certificate of deposit
$2,500
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month IRA
$0
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
12 Month Certificate
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 1 Year JUMBO
$100,000
4.00%
▲ 0.68% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 4.00% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 1 Year JUMBO
$100,000
4.00%
▲ 0.68% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 13, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 12 Months
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
1-Year CD
$0
4.00%
▲ 0.68% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
1-Year Term
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
1 Year Certificate of Deposit
$1,000
3.96%
▲ 0.64% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.64% above avgNationally 2.99%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month CD
$0
3.95%
▲ 0.63% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.63% above avgNationally 2.99%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates - 12 Month
$0
3.95%
▲ 0.63% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 0.58% above Oklahoma avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
Balance: $25,000 - $49,999.99
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month IRA Certificate Special
$1,000
3.90%
▲ 0.58% above Oklahoma avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 2, 20263.90%▲ from 3.75%
- Sep 24, 20263.75%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
7-12 Month CD
$1,000
3.86%
▲ 0.54% above Oklahoma avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
7-12 Month SCA
$1,000
3.86%
▲ 0.54% above Oklahoma avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
12 Month Certificate
$500
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
- Oct 7, 20263.85%▲ from 3.30%
- Sep 14, 20263.30%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12201 N May Ave, Oklahoma City, OK 73120
1 Year Certificate
$2,500
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.85% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
12 Month Certificates
$200,000
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.80%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Sep 26, 20263.85%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
12 Month IRA
$0
3.82%
▲ 0.50% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.50% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
- Sep 29, 20263.82%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
12 Month Certificate
$2,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
- Oct 7, 20263.80%▲ from 3.49%
- Sep 11, 20263.49%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
12 Month CD
$1,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
12 Month Jumbo Certificate
$75,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Certificate - 12 month
$1,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1329 E Main St, Pawhuska, OK 74056
1 YEAR CD
$0
3.79%
▲ 0.47% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 6 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
12-month CD
$0
3.75%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK 74464
12 Month Certificate
$50,000
3.75%
▲ 0.43% above Oklahoma avg
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Rate History
1 change since Sep 20, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 8, 20263.75%▲ from 3.60%
- Sep 20, 20263.60%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
12 Month Certificates
$0
3.75%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Balance: $500 - $100,000+
Rate History
No change since Oct 12, 2026 · 3.75% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
12 Month IRA Certificate
$0
3.75%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Balance: $500 - $100,000+
Rate History
No change since Oct 12, 2026 · 3.75% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.43% above Oklahoma avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo IRA Certificate
$100,000
3.75%
▲ 0.43% above Oklahoma avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
12 Month CD
$75,000
3.72%
▲ 0.40% above Oklahoma avg
▼
Rate3.65%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.40% above avgNationally 2.99%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.20% → 3.72% ▲ 0.52 pts · high 3.72% / low 3.20%
- Oct 12, 20263.72%▲ from 3.20%
- Sep 25, 20263.20%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
12 Month Certificate
$0
3.72%
▲ 0.40% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.40% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.72% ▲ 0.11 pts · high 3.72% / low 3.61%
- Sep 29, 20263.72%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Oklahoma 18 Month CD Rates
MonitorBankRates Oklahoma Average · 18 Month CD3.11% APY▼ 0.02% from last weekNational 2.87%
The average 18-month CD rate in Oklahoma is 3.11% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.40%
▲ 1.29% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 1.29% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
18 Month IRA/Share Certificate
$1,000
4.35%
▲ 1.24% above Oklahoma avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 1.24% above avgNationally 2.87%
Details
Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 8, 20264.35%▲ from 3.90%
- Sep 25, 20263.90%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
18 Month CD
$500
4.35%
▲ 1.24% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.11%▲ 1.24% above avgNationally 2.87%
Details
Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Oct 6, 20264.15%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 18 Months
$500
4.33%
▲ 1.22% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 1.22% above avgNationally 2.87%
Details
Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 4.33% APY
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
IRA variable 18-month
$0
4.21%
▲ 1.10% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 1.10% above avgNationally 2.87%
Details
Rate History
1 change since Sep 7, 2026 · 3.86% → 4.21% ▲ 0.35 pts · high 4.21% / low 3.86%
- Oct 7, 20264.21%▲ from 3.86%
- Sep 7, 20263.86%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month Certificate of Deposit
$1,000
4.06%
▲ 0.95% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.11%▲ 0.95% above avgNationally 2.87%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month CD
$0
4.05%
▲ 0.94% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.94% above avgNationally 2.87%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month IRA
$0
4.05%
▲ 0.94% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.94% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
101 S Oklahoma Ave, Mangum, OK 73554
18-month CD
$0
4.00%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.89% above avgNationally 2.87%
Details
Special promotional rate.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 18 month
$1,000
4.00%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.11%▲ 0.89% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
18 Month CD
$1,000
4.00%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average3.11%▲ 0.89% above avgNationally 2.87%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 4.00% APY
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.89% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
18 Month IRA
$0
3.97%
▲ 0.86% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.86% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 29, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month Certificate of Deposit
$1,000
3.96%
▲ 0.85% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.11%▲ 0.85% above avgNationally 2.87%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
18 Month CD
$1,000
3.96%
▲ 0.85% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.85% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificates
$200,000
3.90%
▲ 0.79% above Oklahoma avg
▼
Rate3.84%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.11%▲ 0.79% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
18 Month Certificate
$0
3.87%
▲ 0.76% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.76% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
- Sep 29, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
18 Month Certificate
$500
3.85%
▲ 0.74% above Oklahoma avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.74% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 14, 20263.05%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
18-month CD
$0
3.85%
▲ 0.74% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.74% above avgNationally 2.87%
Details
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month Certificate of Deposit
$1,000
3.85%
▲ 0.74% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.11%▲ 0.74% above avgNationally 2.87%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Jumbo Share Certificates - 18 Months
$100,000
3.82%
▲ 0.71% above Oklahoma avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.71% above avgNationally 2.87%
Details
Penalty may be imposed for early withdrawal; Deposits in Jumbo Certificates must be $100,000 and above
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
18 Month Jumbo CD
$100,000
3.80%
▲ 0.69% above Oklahoma avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.69% above avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
18 Month Certificate
$2,000
3.80%
▲ 0.69% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.11%▲ 0.69% above avgNationally 2.87%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
- Oct 7, 20263.80%▲ from 3.49%
- Sep 11, 20263.49%first recorded
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
18 Month Jumbo Certificate
$75,000
3.80%
▲ 0.69% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.69% above avgNationally 2.87%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Certificate - 18 month
$1,000
3.80%
▲ 0.69% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.69% above avgNationally 2.87%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 18 Months
$1,000
3.75%
▲ 0.64% above Oklahoma avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.64% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.59% above Oklahoma avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.11%▲ 0.59% above avgNationally 2.87%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificates
$50,000
3.70%
▲ 0.59% above Oklahoma avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.11%▲ 0.59% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 26, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
18 Month Certificate of Deposit
$1,000
3.65%
▲ 0.54% above Oklahoma avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.54% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
18 Month CD
$1,000
3.55%
▲ 0.44% above Oklahoma avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.44% above avgNationally 2.87%
Details
Rate History
1 change since Sep 19, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 2, 20263.55%▲ from 3.30%
- Sep 19, 20263.30%first recorded
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1501 Renaissance Blvd, Edmond, OK 73013
18 Month CD
$1,000
3.50%
▲ 0.39% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.39% above avgNationally 2.87%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.50% APY
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1501 Renaissance Blvd, Edmond, OK 73013
18 Month IRA Account
$0
3.50%
▲ 0.39% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.39% above avgNationally 2.87%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificates
$1,000
3.50%
▲ 0.39% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.11%▲ 0.39% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Sep 26, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49%
▲ 0.38% above Oklahoma avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.11%▲ 0.38% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
- Oct 1, 20263.49%▲ from 3.28%
- Sep 18, 20263.28%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates - 18 Months
$0
3.45%
▲ 0.34% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.34% above avgNationally 2.87%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.45% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Jumbo Certificate
$100,000
3.45%
▲ 0.34% above Oklahoma avg
▼
Rate3.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.34% above avgNationally 2.87%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
- Oct 5, 20263.45%▲ from 3.20%
- Sep 14, 20263.20%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.33% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.33% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
18 Month Share Certificates Plus
$0
3.44%
▲ 0.33% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.33% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 Month Certificate
$500
3.40%
▲ 0.29% above Oklahoma avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.29% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Certificate
$1,000
3.40%
▲ 0.29% above Oklahoma avg
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.29% above avgNationally 2.87%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 5, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39%
▲ 0.28% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.11%▲ 0.28% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
- Oct 1, 20263.39%▲ from 3.18%
- Sep 18, 20263.18%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
FIXED RATE: Non-Compounding - 18 months
$500
3.30%
▲ 0.19% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.19% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Jumbo Certificate
$95,000
3.30%
▲ 0.19% above Oklahoma avg
▼
Rate3.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.19% above avgNationally 2.87%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
18 Month Certificate
$0
3.29%
▲ 0.18% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.18% above avgNationally 2.87%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 18 months
$0
3.29%
▲ 0.18% above Oklahoma avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.11%▲ 0.18% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
- Oct 1, 20263.29%▲ from 3.07%
- Sep 18, 20263.07%first recorded
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 month IRA Certificates
$50
3.25%
▲ 0.14% above Oklahoma avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.14% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Certificate
$1,000
3.25%
▲ 0.14% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.11%▲ 0.14% above avgNationally 2.87%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
18 Month Share Certificates
$0
3.24%
▲ 0.13% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.11%▲ 0.13% above avgNationally 2.87%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 5 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
18 Month CD
$1,000
3.20%
▲ 0.09% above Oklahoma avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.09% above avgNationally 2.87%
Details
Rate History
1 change since Sep 8, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 7, 20263.20%▲ from 2.90%
- Sep 8, 20262.90%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
18 Month IRA Fixed & Roth & Education
$250
3.20%
▲ 0.09% above Oklahoma avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.11%▲ 0.09% above avgNationally 2.87%
Details
Rate History
1 change since Sep 8, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
- Oct 7, 20263.20%▲ from 3.05%
- Sep 8, 20263.05%first recorded
Oklahoma 24 Month CD Rates
MonitorBankRates Oklahoma Average · 24 Month CD3.04% APYUnchanged from last weekNational 2.88%
The average 24-month CD rate in Oklahoma is 3.04% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.40%
▲ 1.36% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
24 Month CD
$500
4.40%
▲ 1.36% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.04%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Oct 6, 20264.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.22% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.22% above avgNationally 2.88%
Details
Balance: $99,000 and over
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month IRA Certificate Special
$1,000
4.20%
▲ 1.16% above Oklahoma avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.16% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 2, 20264.20%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
104 S Main St, Bristow, OK 74010
24 Month Certificate of deposit
$1,000
4.20%
▲ 1.16% above Oklahoma avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Balance: $50,000 - $98,999.99
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
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month CD
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month IRA
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month Certificate of Deposit
$1,000
4.06%
▲ 1.02% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.02% above avgNationally 2.88%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.05%
▲ 1.01% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
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
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
24 Month Certificate
$1,000
4.05%
▲ 1.01% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 24 month
$1,000
4.05%
▲ 1.01% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
24 Month IRA
$0
4.02%
▲ 0.98% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
24-month CD
$0
4.00%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 8 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Certificates
$200,000
4.00%
▲ 0.96% above Oklahoma avg
▼
Rate3.94%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 26, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
24 Month Certificate
$0
3.97%
▲ 0.93% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 6 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA / 24 Month Certificate
$0
3.97%
▲ 0.93% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month Certificate of Deposit
$1,000
3.96%
▲ 0.92% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
24 Month CD
$1,000
3.96%
▲ 0.92% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month Jumbo CD
$100,000
3.95%
▲ 0.91% above Oklahoma avg
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.94%
▲ 0.90% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.90% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.94% ▲ 0.24 pts · high 3.94% / low 3.70%
- Oct 2, 20263.94%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
24 Month Certificate (2 Year)
$0
3.92%
▲ 0.88% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 2 Year JUMBO
$100,000
3.90%
▲ 0.86% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.86% above avgNationally 2.88%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 2 Year JUMBO
$100,000
3.90%
▲ 0.86% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.86% above avgNationally 2.88%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 13, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89%
▲ 0.85% above Oklahoma avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.04%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
- Oct 1, 20263.89%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month Certificate of Deposit
$1,000
3.85%
▲ 0.81% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.81% above avgNationally 2.88%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.84%
▲ 0.80% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.80% above avgNationally 2.88%
Details
Balance: $10,000 - $24,999.99
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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 24 Months
$500
3.82%
▲ 0.78% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.78% above avgNationally 2.88%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
24 Month Certificate
$2,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Certificates
$50,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Roth IRA Certificates
$1,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Traditional IRA Certificates
$1,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78%
▲ 0.74% above Oklahoma avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.04%▲ 0.74% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
- Oct 1, 20263.78%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
24 Month Share Certificates
$0
3.76%
▲ 0.72% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.72% above avgNationally 2.88%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.74%
▲ 0.70% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.70% above avgNationally 2.88%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
- Oct 2, 20263.74%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month CD
$1,000
3.70%
▲ 0.66% above Oklahoma avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.66% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 2, 20263.70%▲ from 3.35%
- Sep 19, 20263.35%first recorded
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
1541 Ne 23rd St, Oklahoma City, OK 73111
24 Month CD
$1,000
3.70%
▲ 0.66% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average3.04%▲ 0.66% above avgNationally 2.88%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 3.70% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.65% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.65% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999.99
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 2 years
$0
3.68%
▲ 0.64% above Oklahoma avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.04%▲ 0.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
- Oct 1, 20263.68%▲ from 3.39%
- Sep 18, 20263.39%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Boost Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo IRA Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
24 Month Share Certificates
$0
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
24 Month Certificate of Deposit
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
2 Year IRA/Share Certificate
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
24 Month Share Certificate Account
$0
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 2 Year
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 2 Year
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Regular CD; $1000.00 minimum; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
- Oct 13, 20263.60%▲ from 3.00%
- Sep 14, 20263.00%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Certificates
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
- Sep 26, 20263.60%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Oklahoma 36 Month CD Rates
MonitorBankRates Oklahoma Average · 36 Month CD2.96% APY▲ 0.02% from last weekNational 2.81%
The average 36-month CD rate in Oklahoma is 2.96% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▲ 1.44% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.44% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.35% above Oklahoma avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.35% above avgNationally 2.81%
Details
Balance: $99,000 and over
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
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 36 month
$1,000
4.25%
▲ 1.29% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month IRA
$0
4.25%
▲ 1.29% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 1.29% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24%
▲ 1.28% above Oklahoma avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.28% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.20%
▲ 1.24% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.24% above avgNationally 2.81%
Details
Balance: $50,000 - $98,999.99
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.19% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.19% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month CD
$0
4.15%
▲ 1.19% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 1.19% above avgNationally 2.81%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14%
▲ 1.18% above Oklahoma avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.18% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
- Oct 1, 20264.14%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.14% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.14% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.10%
▲ 1.14% above Oklahoma avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.14% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificates
$200,000
4.10%
▲ 1.14% above Oklahoma avg
▼
Rate4.04%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 1.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 26, 20264.10%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$1,000
4.06%
▲ 1.10% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 1.10% above avgNationally 2.81%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 3 years
$0
4.03%
▲ 1.07% above Oklahoma avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.07% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
- Oct 1, 20264.03%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
36 Month IRA
$0
4.02%
▲ 1.06% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 1.06% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.00%
▲ 1.04% above Oklahoma avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.04% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 2, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$1,000
3.96%
▲ 1.00% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 1.00% above avgNationally 2.81%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 5 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
36 Month Certificate (3 Year)
$0
3.92%
▲ 0.96% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.96% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 3 Year JUMBO
$100,000
3.90%
▲ 0.94% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.81%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 3 Year JUMBO
$100,000
3.90%
▲ 0.94% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.81%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 13, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificates
$50,000
3.90%
▲ 0.94% above Oklahoma avg
▼
Rate3.84%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Roth IRA Certificates
$1,000
3.90%
▲ 0.94% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Traditional IRA Certificates
$1,000
3.90%
▲ 0.94% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 0.93% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.93% above avgNationally 2.81%
Details
Balance: $10,000 - $24,999.99
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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$1,000
3.85%
▲ 0.89% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.89% above avgNationally 2.81%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates - 36 Month
$0
3.85%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.89% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 9, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 36 Months
$500
3.82%
▲ 0.86% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.86% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
36 Month Certificate
$2,000
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.81%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
36 Month CD
$1,000
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
36 Month Share Certificate Account
$0
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.81%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
36 Month Share Certificates
$0
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.81%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.83% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.83% above avgNationally 2.81%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
- Oct 2, 20263.79%▲ from 3.49%
- Sep 18, 20263.49%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.79% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.79% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
36 Month Share Certificates Plus
$0
3.75%
▲ 0.79% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.79% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.74%
▲ 0.78% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.78% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999.99
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
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
36 Month Share Certificates
$0
3.70%
▲ 0.74% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.74% above avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificates
$1,000
3.70%
▲ 0.74% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.74% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 26, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Certificate of Deposit
$100,000
3.65%
▲ 0.69% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.69% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month IRA Certificate
$100,000
3.65%
▲ 0.69% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.69% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 7, 20263.65%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.63%
▲ 0.67% above Oklahoma avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.67% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.34% → 3.63% ▲ 0.29 pts · high 3.63% / low 3.34%
- Oct 2, 20263.63%▲ from 3.34%
- Sep 18, 20263.34%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
CD's - 3 Year
$1,000
3.60%
▲ 0.64% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.64% above avgNationally 2.81%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) - 3 Year
$1,000
3.60%
▲ 0.64% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.64% above avgNationally 2.81%
Details
Regular CD; $1000.00 minimum; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
- Oct 13, 20263.60%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
36 Month Share Certificate Account
$0
3.55%
▲ 0.59% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.59% above avgNationally 2.81%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
36 Month Share Certificates
$0
3.55%
▲ 0.59% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.59% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
36 Month CD 36
$1,000
3.55%
▲ 0.59% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.59% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.54% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month IRA Certificate
$1,000
3.50%
▲ 0.54% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.54% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 7, 20263.50%▲ from 3.25%
- Oct 2, 20263.25%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.54% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
36 Month CD
$500
3.50%
▲ 0.54% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 0.54% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Certificate of Deposit
$100,000
3.40%
▲ 0.44% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
Oklahoma 48 Month CD Rates
MonitorBankRates Oklahoma Average · 48 Month CD2.93% APY▲ 0.02% from last weekNational 2.80%
The average 48-month CD rate in Oklahoma is 2.93% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47%
▲ 1.54% above Oklahoma avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.93%▲ 1.54% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.43% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 1.43% above avgNationally 2.80%
Details
Balance: $99,000 and over
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36%
▲ 1.43% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.93%▲ 1.43% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- Oct 1, 20264.36%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.33% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 1.33% above avgNationally 2.80%
Details
Balance: $50,000 - $98,999.99
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 4 years
$0
4.26%
▲ 1.33% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.93%▲ 1.33% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- Oct 1, 20264.26%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.22% above Oklahoma avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 1.22% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999.99
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
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
48 Month CD
$0
4.15%
▲ 1.22% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 1.22% above avgNationally 2.80%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificates
$200,000
4.15%
▲ 1.22% above Oklahoma avg
▼
Rate4.09%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 1.22% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 26, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
48 Month Certificate of Deposit
$1,000
4.06%
▲ 1.13% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 1.13% above avgNationally 2.80%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.05%
▲ 1.12% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 1.12% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 2, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
48 Month IRA
$0
4.02%
▲ 1.09% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 1.09% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Sep 29, 20264.02%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
48 Month Certificate of Deposit
$1,000
3.96%
▲ 1.03% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 1.03% above avgNationally 2.80%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificates
$50,000
3.95%
▲ 1.02% above Oklahoma avg
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 1.02% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Roth IRA Certificates
$1,000
3.95%
▲ 1.02% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 1.02% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Traditional IRA Certificates
$1,000
3.95%
▲ 1.02% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 1.02% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.94%
▲ 1.01% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 1.01% above avgNationally 2.80%
Details
Balance: $10,000 - $24,999.99
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
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
48 Month Certificate (4 Year)
$0
3.92%
▲ 0.99% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.99% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
- Sep 29, 20263.92%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month IRA Certificate
$100,000
3.90%
▲ 0.97% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.97% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 7, 20263.90%▲ from 3.75%
- Oct 2, 20263.75%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates - 48 Month
$0
3.90%
▲ 0.97% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 0.97% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
- Oct 9, 20263.90%▲ from 3.25%
- Sep 14, 20263.25%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
48 Month IRA Plus Certificates
$0
3.85%
▲ 0.92% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.92% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
48 Month Share Certificates Plus
$0
3.85%
▲ 0.92% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.92% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
48 Month Share Certificates
$0
3.85%
▲ 0.92% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.92% above avgNationally 2.80%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.84%
▲ 0.91% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.91% above avgNationally 2.80%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.54% → 3.84% ▲ 0.30 pts · high 3.84% / low 3.54%
- Oct 2, 20263.84%▲ from 3.54%
- Sep 18, 20263.54%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 48 Months
$500
3.82%
▲ 0.89% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.89% above avgNationally 2.80%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
48 Month Certificate
$2,000
3.80%
▲ 0.87% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 0.87% above avgNationally 2.80%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
48 Month Share Certificate Account
$0
3.80%
▲ 0.87% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.87% above avgNationally 2.80%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.86% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.86% above avgNationally 2.80%
Details
Balance: $1,000 - $9,999.99
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month IRA Certificate
$1,000
3.75%
▲ 0.82% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.82% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
48 Month Share Certificates
$0
3.75%
▲ 0.82% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.82% above avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificates
$1,000
3.75%
▲ 0.82% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.93%▲ 0.82% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
- Sep 26, 20263.75%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
48 Month CD
$1,000
3.70%
▲ 0.77% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.77% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.76% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.76% above avgNationally 2.80%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.69% ▲ 0.30 pts · high 3.69% / low 3.39%
- Oct 2, 20263.69%▲ from 3.39%
- Sep 18, 20263.39%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Certificate of Deposit
$100,000
3.65%
▲ 0.72% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.72% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month IRA Certificate
$100,000
3.65%
▲ 0.72% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.72% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
48 Month Share Certificates
$0
3.65%
▲ 0.72% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.72% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
48 Month Jumbo CD
$100,000
3.55%
▲ 0.62% above Oklahoma avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.62% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 3 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
48 Month Share Certificate Account
$0
3.55%
▲ 0.62% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.62% above avgNationally 2.80%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.57% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month IRA Certificate
$1,000
3.50%
▲ 0.57% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.57% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Jumbo Certificate & IRA
$95,000
3.50%
▲ 0.57% above Oklahoma avg
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.57% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.57% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo IRA Certificate
$100,000
3.50%
▲ 0.57% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.93%▲ 0.57% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Certificate & IRA
$1,000
3.45%
▲ 0.52% above Oklahoma avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.93%▲ 0.52% above avgNationally 2.80%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Certificate of Deposit
$100,000
3.40%
▲ 0.47% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.47% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$100,000
3.40%
▲ 0.47% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 0.47% above avgNationally 2.80%
Details
Balance: $100,000 - <$250,000; APY range: 3.40 / 3.45 APY
Rate History
2 changes since Sep 11, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 24, 20263.45%▲ from 3.40%
- Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$10,000
3.35%
▲ 0.42% above Oklahoma avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 0.42% above avgNationally 2.80%
Details
Balance: $10,000 - <$25,000; APY range: 3.35 / 3.40 APY
Rate History
2 changes since Sep 11, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.40% / low 3.35%
- Oct 7, 20263.35%▼ from 3.40%
- Sep 24, 20263.40%▲ from 3.35%
- Sep 11, 20263.35%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
48 Month CD
$1,000
3.30%
▲ 0.37% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.93%▲ 0.37% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 2.40% → 3.30% ▲ 0.90 pts · high 3.30% / low 2.40%
- Oct 2, 20263.30%▲ from 2.40%
- Sep 19, 20262.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$1,500
3.30%
▲ 0.37% above Oklahoma avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.93%▲ 0.37% above avgNationally 2.80%
Details
Balance: $1,500 - <$10,000; APY range: 3.30 / 3.35 APY
Rate History
2 changes since Sep 11, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.35% / low 3.30%
- Oct 7, 20263.30%▼ from 3.35%
- Sep 24, 20263.35%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Oklahoma 60 Month CD Rates
MonitorBankRates Oklahoma Average · 60 Month CD2.96% APYUnchanged from last weekNational 2.90%
The average 60-month CD rate in Oklahoma is 2.96% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87%
▲ 1.91% above Oklahoma avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.91% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76%
▲ 1.80% above Oklahoma avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.80% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- Oct 1, 20264.76%▲ from 4.39%
- Sep 18, 20264.39%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 5 years
$0
4.66%
▲ 1.70% above Oklahoma avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 1.70% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.44% above Oklahoma avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.44% above avgNationally 2.90%
Details
Balance: $99,000 and over
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.30%
▲ 1.34% above Oklahoma avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.34% above avgNationally 2.90%
Details
Balance: $50,000 - $98,999.99
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.19%
▲ 1.23% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.23% above avgNationally 2.90%
Details
Balance: $25,000 - $49,999.99
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Certificate of Deposit
$100,000
4.15%
▲ 1.19% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month IRA Certificate
$100,000
4.15%
▲ 1.19% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 7, 20264.15%▲ from 4.00%
- Oct 2, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.09%
▲ 1.13% above Oklahoma avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.13% above avgNationally 2.90%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.79% → 4.09% ▲ 0.30 pts · high 4.09% / low 3.79%
- Oct 2, 20264.09%▲ from 3.79%
- Sep 18, 20263.79%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
60 Month Certificate of Deposit
$1,000
4.06%
▲ 1.10% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 1.10% above avgNationally 2.90%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
60 Month Roth IRA Certificates
$1,000
4.05%
▲ 1.09% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 1.09% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
60 Month Traditional IRA Certificates
$1,000
4.05%
▲ 1.09% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 1.09% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
60 Month IRA
$0
4.02%
▲ 1.06% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 1.06% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Sep 29, 20264.02%▲ from 3.76%
- Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.05% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 1.05% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
60 Month Share Certificates Plus
$0
4.01%
▲ 1.05% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 1.05% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Certificate of Deposit
$1,000
4.00%
▲ 1.04% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month IRA Certificate
$1,000
4.00%
▲ 1.04% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Oct 2, 20263.75%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates - 60 Month
$0
4.00%
▲ 1.04% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 9, 20264.00%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.99%
▲ 1.03% above Oklahoma avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 1.03% above avgNationally 2.90%
Details
Balance: $10,000 - $24,999.99
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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
60 Month Certificate of Deposit
$1,000
3.96%
▲ 1.00% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 1.00% above avgNationally 2.90%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
60 Month Certificate (5 Year)
$0
3.92%
▲ 0.96% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.96% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Sep 29, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 0.94% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.90%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Certificate of Deposit
$100,000
3.90%
▲ 0.94% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month IRA Certificate
$100,000
3.90%
▲ 0.94% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.94% above avgNationally 2.90%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
- Oct 7, 20263.90%▼ from 4.00%
- Oct 2, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.88%
▲ 0.92% above Oklahoma avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.92% above avgNationally 2.90%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.63% → 3.88% ▲ 0.25 pts · high 3.88% / low 3.63%
- Oct 2, 20263.88%▲ from 3.63%
- Sep 18, 20263.63%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
5 Year ESA Long-Term Certificate
$1,000
3.85%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Oklahoma Average2.96%▲ 0.89% above avgNationally 2.90%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.83%
▲ 0.87% above Oklahoma avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.87% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999.99
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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
IRA Certificate 60 Months
$500
3.82%
▲ 0.86% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.86% above avgNationally 2.90%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
60 Month Certificate
$2,000
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.90%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
60 Month Share Certificate Account
$0
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.90%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
60 Month Share Certificates
$0
3.80%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.84% above avgNationally 2.90%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Certificate of Deposit
$1,000
3.75%
▲ 0.79% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.79% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month IRA Certificate
$1,000
3.75%
▲ 0.79% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.79% above avgNationally 2.90%
Details
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.73%
▲ 0.77% above Oklahoma avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.77% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.43% → 3.73% ▲ 0.30 pts · high 3.73% / low 3.43%
- Oct 2, 20263.73%▲ from 3.43%
- Sep 18, 20263.43%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
60 Month CD
$1,000
3.65%
▲ 0.69% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.69% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
5 year CD
$500
3.65%
▲ 0.69% above Oklahoma avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.69% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
5 year SCA
$500
3.65%
▲ 0.69% above Oklahoma avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.96%▲ 0.69% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
- Oct 9, 20263.65%▲ from 3.05%
- Sep 21, 20263.05%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.64% above Oklahoma avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.64% above avgNationally 2.90%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.64% above Oklahoma avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.64% above avgNationally 2.90%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month Jumbo CD
$100,000
3.55%
▲ 0.59% above Oklahoma avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.59% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 3 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
60 Month Share Certificate Account
$0
3.55%
▲ 0.59% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.59% above avgNationally 2.90%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.54% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.96%▲ 0.54% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$100,000
3.45%
▲ 0.49% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.49% above avgNationally 2.90%
Details
Balance: $100,000 - <$250,000; APY range: 3.45 / 3.51 APY
Rate History
2 changes since Sep 11, 2026 · 3.45% → 3.45% ▼ 0.00 pts · high 3.51% / low 3.45%
- Oct 7, 20263.45%▼ from 3.51%
- Sep 24, 20263.51%▲ from 3.45%
- Sep 11, 20263.45%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$10,000
3.40%
▲ 0.44% above Oklahoma avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.44% above avgNationally 2.90%
Details
Balance: $10,000 - <$25,000; APY range: 3.40 / 3.45 APY
Rate History
2 changes since Sep 11, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 24, 20263.45%▲ from 3.40%
- Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$1,500
3.35%
▲ 0.39% above Oklahoma avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.96%▲ 0.39% above avgNationally 2.90%
Details
Balance: $1,500 - <$10,000; APY range: 3.35 / 3.40 APY
Rate History
2 changes since Sep 11, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.40% / low 3.35%
- Oct 7, 20263.35%▼ from 3.40%
- Sep 24, 20263.40%▲ from 3.35%
- Sep 11, 20263.35%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month CD
$1,000
3.30%
▲ 0.34% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.34% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.30% ▲ 0.55 pts · high 3.30% / low 2.75%
- Oct 2, 20263.30%▲ from 2.75%
- Sep 19, 20262.75%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Certificate
$1,000
3.30%
▲ 0.34% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.34% above avgNationally 2.90%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month IRA Certificate
$1,000
3.30%
▲ 0.34% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.96%▲ 0.34% above avgNationally 2.90%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
121 W Broadway St, Drumright, OK 74030
60 Month CD
$1,000
3.25%
▲ 0.29% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.29% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 15, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 2.95%
- Oct 7, 20263.25%▲ from 2.95%
- Sep 24, 20262.95%▼ from 3.25%
- Sep 15, 20263.25%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
121 W Broadway St, Drumright, OK 74030
IRA Roth and Education Minimum - 60 Month
$250
3.25%
▲ 0.29% above Oklahoma avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.96%▲ 0.29% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Oklahoma CD Rate Trends
Compare local Oklahoma CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OK Avg
3.321%
▲ 0.022 vs 7 days ago
Oklahoma 12-month CD rates rose 0.022 points over the past 7 days to 3.321% APY.
6-Month CD OK Avg
3.248%
▲ 0.032 vs 7 days ago
Oklahoma 6-month CD rates rose 0.032 points over the past 7 days to 3.248% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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OK CD Rate Forecast, Next 12 Months
Where are Oklahoma CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OK 12-Month Avg APY
3.321%
6-Month Forecast
3.321%
Range: 3.12%, 3.47%
12-Month Forecast
3.571%
Range: 3.37%, 3.72%
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What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.414% | $120.71 | $241.42 | $603.55 | $1,207.10 |
| 6-Month CD | 3.248% | $162.41 | $324.82 | $812.05 | $1,624.10 |
| 12-Month CD | 3.321% | $166.04 | $332.07 | $830.18 | $1,660.35 |
| 18-Month CD | 3.111% | $155.57 | $311.14 | $777.85 | $1,555.70 |
| 24-Month CD | 3.040% | $151.98 | $303.95 | $759.88 | $1,519.75 |
| 36-Month CD | 2.961% | $148.03 | $296.06 | $740.15 | $1,480.30 |
| 48-Month CD | 2.934% | $146.70 | $293.41 | $733.53 | $1,467.05 |
| 60-Month CD | 2.961% | $148.04 | $296.07 | $740.18 | $1,480.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for Oklahoma Savers
$25,000 split equally across 5 terms using today’s Oklahoma average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OK Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.414% | $120.71 |
| 2 | 6-Month CD | $5,000 | 3.248% | $162.41 |
| 3 | 12-Month CD | $5,000 | 3.321% | $166.04 |
| 4 | 24-Month CD | $5,000 | 3.040% | $151.98 |
| 5 | 36-Month CD | $5,000 | 2.961% | $148.03 |
| Total ($25,000 invested) | $25,000 | 2.997% blended | $749.17/yr | |
Ladder example uses equal $5,000 rungs and Oklahoma average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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799
CD Rates
Tracked in Oklahoma
Tracked in Oklahoma
49 Banks
40 Credit Unions
About Our Oklahoma CD Rate Database
MonitorBankRates tracks 799 CD rates from 49 banks and 40 credit unions with locations in Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Advancial Federal Credit Union offers a CD at 4.87% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Oklahoma.
How to Find the Best CD Rates in Oklahoma
What to compare when shopping for a CD in Oklahoma
To find the best APYs in Oklahoma, start with credit unions and online-only banks: Oklahoma has 40 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Oklahoma
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Oklahoma: 89 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Oklahoma savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Oklahoma money market rates
Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.3%
National avg: 17.3%
Median Individual Earnings
$40,265
National avg: $47,340
Poverty Rate
15.3%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At OK 12-mo avg 3.321% APY
16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 3.321%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $134 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Oklahoma
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Oklahoma
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Oklahoma typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Oklahoma as everywhere in the U.S.
Choosing a CD Term in Oklahoma
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Oklahoma savers easier access to their funds. For example, The Community State Bank is offering its 6 Month CD at 4.55% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Oklahoma Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Oklahoma saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Oklahoma
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Oklahoma CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Oklahoma depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Oklahoma
Are CD rates in Oklahoma FDIC insured?
Yes, most established banks in Oklahoma are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Oklahoma?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Oklahoma.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Oklahoma may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Oklahoma?
Here are recent top rates found for this area:
- Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- The Community State Bank: 4.55% APY (6 Month CD)
- MapleMark Bank: 4.40% APY (18 Month CD)
- Tinker Federal Credit Union: 4.40% APY (60 Month Term Share (Certificate) / IRA)
- Vio Bank: 4.40% APY (24 Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Communication Federal Credit Union: 4.35% APY (18 Month IRA/Share Certificate)
- Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
- Washita State Bank: 4.26% APY (Traditional 12 Month CD)
- First Pryority Bank: 4.25% APY (Certificates of Deposit (CDs) - 36 month)
Rates reflect recent verified offers available in Oklahoma. Last Updated: October 13, 2026
Oklahoma CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oklahoma
Oklahoma CD Calculator
At today’s OK top rate of 4.87% APY, a $10,000 deposit earns $487 in the first year. Enter your amount to see your exact return.
Oklahoma CD LadderOK CD rates currently range from 2.414% (3-month) to 2.961% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Oklahoma CD at 4.87% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 3.321% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oklahoma CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oklahoma directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oklahoma. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OK.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
Cities in Oklahoma
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