Oklahoma Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
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.
Current Oklahoma CD rates include MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 1.64%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, First Pryority BankFirst Pryority Bank310 E Graham Ave, Pryor, OK 74361B4.6 ★Texas Ratio: 19.27%Real return: +1.45%APY minus CPI (February 2026) offering 36 month at 4.25% APY, Bank of Commerce Duncan, OKBank of Commerce Duncan, OK110 W Oklahoma Ave, Anadarko, OK 73005A-4.9 ★Texas Ratio: 16.35%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month IRA at 4.25% APY, Lifetime Federal Credit UnionLifetime Federal Credit Union1400 S Boston Ave, Tulsa, OK 74119 3612A+5.0 ★Texas Ratio: 3.14%Real return: +1.38%APY minus CPI (February 2026) offering 12 Month Certificate at 4.18% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit Union2018 S Washington, Idabel, OK 74745A+5.0 ★Texas Ratio: 4.81%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. CD rates as of September 1, 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 4.40% APY from MapleMark Bank at 2431 E 61st St, Tulsa, OK 74136. Rates are continually updated — 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: September 1, 2026
Compare Best CD Rates in Oklahoma
Oklahoma 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
7340 W Memorial Rd, Oklahoma City, OK 73142
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.65%
▲ 1.69% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.69% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
3 Month (90 Day) CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.64% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
3 Month Special
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 3 Months
$0
3.41%
▲ 1.45% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.45% above avg
Details
$100,000
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
4200 E Skelly Dr, Tulsa, OK 74135
3-Month CD
$1,000
3.40%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 mo
$50,000
3.35%
▲ 1.39% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 mo
$1,000
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 3 Months
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
$1,000 - $99,999
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 3 Month
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
3 Month Certificate
$0
3.15%
▲ 1.19% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.19% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
3 Month CD
$1,000
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.99% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.99% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Certificate
$1,000
2.90%
▲ 0.94% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.94% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 3 Month
$0
2.27%
▲ 0.31% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.31% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
3 Month CD
$1,000
2.25%
▲ 0.29% above national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 3 Month CD
$1,000
2.25%
▲ 0.29% above national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.29% above avg
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
3 month
$1,000
2.02%
▲ 0.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK 73120
3 month
$0
2.00%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
10201 S Western Ave, Oklahoma City, OK 73139 2931
90 Days SCA
$0
1.30%
▼ 0.66% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.66% below avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
3 Month
$1,000
1.16%
▼ 0.80% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.80% below avg
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
3 Months
$0
1.16%
▼ 0.80% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.80% below avg
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
405 Us Highway 271, Wister, OK 74966
30-90 Day CD
$0
1.16%
▼ 0.80% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.80% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificate 3 Month
$0
1.13%
▼ 0.83% below national avg
▼
Rate1.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.83% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
91-Days (3-Month) CD
$2,500
1.12%
▼ 0.84% below national avg
▼
Rate1.12%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.84% below avg
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
2911 S Air Depot Blvd, Midwest City, OK 73110
3 Month CD
$1,000
0.80%
▼ 1.16% below national avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 1.16% below avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 3 Months
$0
0.50%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
215 State St, Muskogee, OK 74401
90 Days
$0
0.11%
▼ 1.85% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.85% below avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
3 months
$0
0.10%
▼ 1.86% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.86% below avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
3 Months
$1,000
0.10%
▼ 1.86% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.86% below avg
Details
Early Withdrawal Penalty 3 Month CD - 30 Day Interest Penalty. Rates apply to new deposits only.
Oklahoma 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2018 S Washington, Idabel, OK 74745
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2018 S Washington, Idabel, OK 74745
6-Month TEAL Certificate
$250
4.07%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
6 Months
$1,000
4.05%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
7340 W Memorial Rd, Oklahoma City, OK 73142
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.96%
▲ 1.29% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.29% above avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
6 Month CD
$1,000
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Rate as of 11/1/2025. Rates subject to change. Early withdrawal penalties may apply.
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
6 Months
$0
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
6 Month CD
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 6 Months
$0
3.82%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
6 month
$75,000
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
6 Month (180 Day) CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
Interest Paid: Quarterly
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
6 Month Certificate
$0
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.04% above avg
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
6 month
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
4110 Nowata Rd, Bartlesville, OK 74006
6-Month CD Special
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
6 Month CD
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
608 S Main St, Stillwater, OK 74074
6-month CD
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
New Money
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Certificate
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
6 Month CD
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
6 months
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
100 S Riverfront Dr, Jenks, OK 74037
6-month CD
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
6 Month Special
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
103 W Ferry St, Salina, OK 74365
6 Month
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
608 S Main St, Stillwater, OK 74074
6-month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
New Money
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
6 Month CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
6 months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 6 Months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
$100,000
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
4200 E Skelly Dr, Tulsa, OK 74135
6-Month CD
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
6 mo
$50,000
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 6 Months
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
$1,000 - $99,999
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
6 mo
$1,000
3.35%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
6 Month IRA/Share Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
402 E Main St, Henryetta, OK 74437
6 Month
$0
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
6 Month Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1400 S Boston Ave, Tulsa, OK 74119 3612
6 Month Certificate
$2,000
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
420 NE 10th St, Oklahoma City, OK 73104
6 Month Certificate
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 6 Month
$0
3.14%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.47% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
6 Month CD
$1,000
3.10%
▲ 0.43% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
6 Month Certificate
$500
3.04%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
IRA Certificate Account 6 Month
$500
3.04%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK 74651
6 months
$0
3.04%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
6 month Jumbo Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month SCA
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
6 month Certificate
$0
2.95%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
3283 Sheridan Road, Fort Sill, OK 73503
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 6 Month
$0
2.79%
▲ 0.12% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.12% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
6 Month CD
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 6 Month CD
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
Oklahoma 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1400 S Boston Ave, Tulsa, OK 74119 3612
12 Month Certificate
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.35% above avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
APY as high as
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
12 Months
$1,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
1 Year CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month IRA
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.17% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
1 Year CD
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.13% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month CD
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.12% above avg
Details
Interest Paid: Quarterly
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
12 Month CD (also IRA)
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
420 NE 10th St, Oklahoma City, OK 73104
12 Month Certificate
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
12 Month
$1,000
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
12 Month CD
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
12 month
$75,000
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1329 E Main St, Pawhuska, OK 74056
1 YEAR CD
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.96% above avg
Details
Compounding Frequency: SEMI ANNUALLY
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
100 S Riverfront Dr, Jenks, OK 74037
12-month CD
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
12 Month Special
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
1501 Renaissance Blvd, Edmond, OK 73013
12-Month CD
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Penalty for early withdrawal. Rates are effective as of March 13, 2026.
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
12 Month CD
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
12 mo
$50,000
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 12 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
$100,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
12 Month CD
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
12 Month Certificate
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 12 Months
$0
3.56%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
12 month
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
12 mo
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
103 W Ferry St, Salina, OK 74365
12 Month
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
4110 Nowata Rd, Bartlesville, OK 74006
12-Month CD Special
$0
3.51%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
12 months
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
12 months Pee Wee/Teen
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Certificate
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 12 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
$1,000 - $99,999
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
4200 W Memorial Rd, Oklahoma City, OK 73120
12 month
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
402 E Main St, Henryetta, OK 74437
1 Year
$0
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
220 W 7th St, Tulsa, OK 74119
12 months
$0
3.35%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
220 W 7th St, Tulsa, OK 74119
Share Certificate 12 months
$0
3.35%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 12 Month
$0
3.34%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.51% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
12 Month CD
$500
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
12 months
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
12 Month Certificate
$0
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
12 Month CD
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
220 W 7th St, Tulsa, OK 74119
12 months
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
220 W 7th St, Tulsa, OK 74119
Share Certificate 12 months
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
1 Year Certificate
$500
3.14%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.31% above avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
IRA Certificate Account 1 Year
$500
3.14%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.31% above avg
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
10201 S Western Ave, Oklahoma City, OK 73139 2931
7-12 Month SCA
$0
3.10%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.27% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
12 month Jumbo Certificate
$0
3.05%
▲ 0.22% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.22% above avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
12 Months Certificate of Deposit
$0
3.04%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.21% above avg
Details
Oklahoma 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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: 1.64%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.30%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details
APY as high as
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
4.06%
▲ 1.38% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.38% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month CD
$0
4.05%
▲ 1.37% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.37% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month IRA
$0
4.05%
▲ 1.37% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.37% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
3.96%
▲ 1.28% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.28% above avg
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
18 Month CD
$0
3.96%
▲ 1.28% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.28% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
18 Month IRA/Share Certificate
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
100 S Riverfront Dr, Jenks, OK 74037
18-month CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4815 S Harvard Ave, Tulsa, OK 74135
IRA variable 18-month
$0
3.84%
▲ 1.16% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.16% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
18 month
$75,000
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
2018 S Washington, Idabel, OK 74745
18 Months
$0
3.76%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 18 Months
$0
3.45%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 months
$0
3.40%
▲ 0.72% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
18 Month CD
$1,000
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
500 Montgomery Sq, Lawton, OK 73501
18 months
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 month IRA Certificates
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 18 Month
$0
3.24%
▲ 0.56% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.56% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
18 mo
$50,000
3.20%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Jumbo Certificate
$100,000
3.20%
▲ 0.52% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
18 mo
$1,000
3.15%
▲ 0.47% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Certificate
$1,000
3.15%
▲ 0.47% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Jumbo Certificate
$0
3.10%
▲ 0.42% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
18 months
$0
3.05%
▲ 0.37% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Certificate
$0
3.05%
▲ 0.37% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
18 Month Certificate
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
18 Month IRA Variable Rate
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
18 Month IRA Variable Rate Certificate of Deposit
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
18 Months
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
18 Months
$1,000
2.98%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.30% above avg
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
18 Month CD
$1,000
2.90%
▲ 0.22% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 18 Month CD
$1,000
2.90%
▲ 0.22% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
18 Months Certificate of Deposit
$0
2.79%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.11% above avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
Share Certificate 18 Month
$0
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 18 Month IRA Variable
$250
2.75%
▲ 0.07% above national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.07% above avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
18-Month CD
$1,000
2.60%
▼ 0.08% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.08% below avg
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1117 10th St, Woodward, OK 73801
18 Month IRA Certificate of Deposit
$0
2.53%
▼ 0.15% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.15% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
Share Certificate 18 Month
$0
2.53%
▼ 0.15% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.15% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificate 18 Month
$0
2.45%
▼ 0.23% below national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.23% below avg
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
103 W Ferry St, Salina, OK 74365
18 Month
$0
2.38%
▼ 0.30% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.30% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
215 State St, Muskogee, OK 74401
18 Months
$0
2.05%
▼ 0.63% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
405 Us Highway 271, Wister, OK 74966
18 Month CD
$0
2.02%
▼ 0.66% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.66% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1420 Sw Lee Blvd, Lawton, OK 73501
18 Months
$500
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
2911 S Air Depot Blvd, Midwest City, OK 73110
18 Month CD
$1,000
1.15%
▼ 1.53% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▼ 1.53% below avg
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
103 W Ferry St, Salina, OK 74365
18 Month Variable Individual Retirement Account (IRA)
$0
0.50%
▼ 2.18% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.18% below avg
Details
Oklahoma 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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: 1.64%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.30%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details
APY as high as
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month CD
$0
4.15%
▲ 1.44% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.44% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month IRA
$0
4.15%
▲ 1.44% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.44% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
24 Months
$1,000
4.05%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
24 month
$1,000
4.05%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1400 S Boston Ave, Tulsa, OK 74119 3612
24 Month Certificate
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.26% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
3.96%
▲ 1.25% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.25% above avg
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
24 Month CD
$0
3.96%
▲ 1.25% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.25% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
24 Month Special
$1,000
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 24 Months
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.05% above avg
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 24 Months
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
$1,000 - $99,999
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
24 Month Bump CD
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
24 Month Bump CD
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
24 Month Bump CD
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Boost Certificate
$100,000
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Certificate
$100,000
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
24 Month CD
$1,000
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
500 Montgomery Sq, Lawton, OK 73501
24 months
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
24 months
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
24 Month CD (also IRA)
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
24 mo
$50,000
3.20%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
24 mo
$1,000
3.15%
▲ 0.44% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 24 Month
$0
3.14%
▲ 0.43% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.43% above avg
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
24 Month Certificate
$0
3.10%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
24 month Jumbo Certificate & IRA
$0
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Boost Certificate
$1,000
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Certificate
$1,000
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
24 month Certificate & IRA
$0
3.05%
▲ 0.34% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.34% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 24 Months
$0
3.05%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.34% above avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
24 Month Certificate
$0
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
709 E Prospect Ave, Ponca City, OK 74601
24 Month Bump Special
$0
3.02%
▲ 0.31% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.31% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
420 NE 10th St, Oklahoma City, OK 73104
24 Month Certificate
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
402 E Main St, Henryetta, OK 74437
2 Year
$0
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
24 Month CD
$1,000
2.95%
▲ 0.24% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.24% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 24 Month CD
$1,000
2.95%
▲ 0.24% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.24% above avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
3283 Sheridan Road, Fort Sill, OK 73503
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 2 Year
$0
2.89%
▲ 0.18% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.18% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificate 24 Month
$0
2.76%
▲ 0.05% above national avg
▼
Rate2.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.05% above avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
2 Years Certificate
$500
2.63%
▼ 0.08% below national avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.08% below avg
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 W Macarthur St, Shawnee, OK 74804 2026
IRA Certificate Account 2 Years
$500
2.63%
▼ 0.08% below national avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.08% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
24-Month CD
$1,000
2.60%
▼ 0.11% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.11% below avg
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK 74651
24 months
$0
2.59%
▼ 0.12% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.12% below avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
24 Month
$1,000
2.58%
▼ 0.13% below national avg
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.13% below avg
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
24 Months
$0
2.58%
▼ 0.13% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.13% below avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
24 Months Certificate of Deposit
$0
2.53%
▼ 0.18% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.18% below avg
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
103 W Ferry St, Salina, OK 74365
24 Month
$0
2.43%
▼ 0.28% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.28% below avg
Details
Oklahoma 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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: 1.64%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.75% above avg
Details
APY as high as
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
36 month
$1,000
4.25%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month IRA
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.60% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month CD
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.50% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
4.06%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
36 Month CD
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 36 Months
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 36 Months
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
$1,000 - $99,999
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 36 Month
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
36 Month CD
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Jumbo Certificate
$100,000
3.35%
▲ 0.70% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
36 Month CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Certificate
$1,000
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
36 Months
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
36 Month CD
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
36 months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
3 Year IRA/Share Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 36 Month
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 36 Month IRA Fixed
$250
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificate 36 Month
$0
3.17%
▲ 0.52% above national avg
▼
Rate3.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.52% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
36 month Jumbo Certificate & IRA
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
36 Month Certificate
$0
3.10%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
36 month Certificate & IRA
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
36 Month CD
$1,000
3.05%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
301 North Choctaw, Beggs, OK 74421
Business 36 Month CD
$1,000
3.05%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates 36 Months
$0
3.05%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
500 Montgomery Sq, Lawton, OK 73501
36 months
$500
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
36 Month CD
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
402 E Main St, Henryetta, OK 74437
3 Year
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
36 months
$0
2.90%
▲ 0.25% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
420 NE 10th St, Oklahoma City, OK 73104
36 Month Certificate
$1,000
2.85%
▲ 0.20% above national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.20% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.83%
▲ 0.18% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.18% above avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
3283 Sheridan Road, Fort Sill, OK 73503
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 3 Year
$0
2.79%
▲ 0.14% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.73%
▲ 0.08% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.08% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
36 mo
$50,000
2.70%
▲ 0.05% above national avg
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.05% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.68%
▲ 0.03% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.03% above avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
36 Month
$1,000
2.65%
At national avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
36 Months
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
36 mo
$1,000
2.65%
At national avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.63%
▼ 0.02% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
36-Month CD
$1,000
2.60%
▼ 0.05% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
7480 Highway 177 Ste A, Red Rock, OK 74651
36 months
$0
2.55%
▼ 0.10% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.10% below avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
36 Month CD
$1,000
2.50%
▼ 0.15% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
36 Months Certificate of Deposit
$0
2.02%
▼ 0.63% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.63% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
3 years
$0
1.79%
▼ 0.86% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.86% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
36-month certificate
$10,000
1.79%
▼ 0.86% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.86% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
Share Certificate (CD) 3 years
$0
1.79%
▼ 0.86% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.86% below avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1329 E Main St, Pawhuska, OK 74056
3 YEAR CD
$0
1.71%
▼ 0.94% below national avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.94% below avg
Details
Compounding Frequency: SEMI ANNUALLY
Oklahoma 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
48 Month CD
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.49% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
48 Month CD
$0
4.06%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
48 Month CD
$0
3.96%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates and Over) 48 Months
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Broadway Ave, Ada, OK 74820
Share Certificates 48 Months
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
$1,000 - $99,999
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
48 Month CD
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 48 Month
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.84% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.84% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
48 Months
$1,000
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 48 Month
$0
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Jumbo Certificate & IRA
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Boost Certificate
$1,000
3.20%
▲ 0.54% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Certificate
$1,000
3.20%
▲ 0.54% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Certificate & IRA
$0
3.15%
▲ 0.49% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
4 Year IRA/Share Certificate
$0
3.10%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
48 Month Certificate
$0
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
500 Montgomery Sq, Lawton, OK 73501
48 months
$500
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
3.03%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3502 Chandler Rd, Muskogee, OK 74403 4910
48 months
$0
2.94%
▲ 0.28% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.28% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
48 months
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
420 NE 10th St, Oklahoma City, OK 73104
48 Month Certificate
$1,000
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.83%
▲ 0.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.17% above avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
48 Month
$1,000
2.82%
▲ 0.16% above national avg
▼
Rate2.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.16% above avg
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
48 Months
$0
2.82%
▲ 0.16% above national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.16% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.78%
▲ 0.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.12% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.73%
▲ 0.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.07% above avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
3283 Sheridan Road, Fort Sill, OK 73503
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 4 Year
$0
2.68%
▲ 0.02% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.02% above avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
48-Month CD
$1,000
2.60%
▼ 0.06% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.06% below avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
48 Month Certificate
$0
2.56%
▼ 0.10% below national avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.10% below avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
48 Month CD
$1,000
2.40%
▼ 0.26% below national avg
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.26% below avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
48 mo
$50,000
2.05%
▼ 0.61% below national avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.61% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
4 years
$0
2.04%
▼ 0.62% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.62% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
48-month certificate
$10,000
2.04%
▼ 0.62% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.62% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
Share Certificate (CD) 4 years
$0
2.04%
▼ 0.62% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.62% below avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
48 mo
$1,000
2.00%
▼ 0.66% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.66% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
4 years
$0
1.79%
▼ 0.87% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.87% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
48-month certificate
$1,000
1.79%
▼ 0.87% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.87% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
Share Certificate (CD) 4 years
$0
1.79%
▼ 0.87% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.87% below avg
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
48 Months Certificate of Deposit
$0
1.76%
▼ 0.90% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.90% below avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
48 month
$75,000
1.56%
▼ 1.10% below national avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.10% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
215 State St, Muskogee, OK 74401
4 Years
$0
1.55%
▼ 1.11% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.11% below avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
48 month
$75,000
1.46%
▼ 1.20% below national avg
▼
Rate1.45%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.20% below avg
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
2911 S Air Depot Blvd, Midwest City, OK 73110
48 Month CD
$1,000
1.36%
▼ 1.30% below national avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▼ 1.30% below avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
48 month
$0
1.21%
▼ 1.45% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.45% below avg
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4815 S Harvard Ave, Tulsa, OK 74135
4 year
$0
1.15%
▼ 1.51% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.51% below avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
48 months
$0
0.20%
▼ 2.46% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.46% below avg
Details
Oklahoma 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
60 Month CD
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.30% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
60 Month CD
$0
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2001 12th Ave NW, Ardmore, OK 73401
IRA Certificates 60 Month
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.04% above avg
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
60 Month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Certificate
$1,000
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7136 S Yale Ave, Tulsa, OK 74136
60 Months
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Accounts and IRA Certificates 60 Month
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
427 NW 6th St, Oklahoma City, OK 73102 2804
5 Year IRA/Share Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.33% above avg
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
10201 S Western Ave, Oklahoma City, OK 73139 2931
5 year SCA
$0
3.05%
▲ 0.29% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.29% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
500 Montgomery Sq, Lawton, OK 73501
60 months
$500
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 State Highway 44, Burns Flat, OK 73624
60 Month
$1,000
3.03%
▲ 0.27% above national avg
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.27% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
60 Month CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.93%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.17% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.83%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.07% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.78%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.02% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
60 Month CD
$1,000
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
60 Month Certificate
$0
2.63%
▼ 0.13% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.13% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
60-Month CD
$10,000
2.60%
▼ 0.16% below national avg
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.16% below avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
3283 Sheridan Road, Fort Sill, OK 73503
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 5 Year
$0
2.58%
▼ 0.18% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.18% below avg
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
310 E Graham Ave, Pryor, OK 74361
60 month
$1,000
2.55%
▼ 0.21% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.21% below avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1420 Sw Lee Blvd, Lawton, OK 73501
60 Months
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
5 years
$0
2.29%
▼ 0.47% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.47% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
60-month certificate
$10,000
2.29%
▼ 0.47% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.47% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
Share Certificate (CD) 5 years
$0
2.29%
▼ 0.47% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.47% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
5 years
$0
2.04%
▼ 0.72% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.72% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
60-month certificate
$1,000
2.04%
▼ 0.72% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.72% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
424 N Washington Ave, Durant, OK 74701 3461
Share Certificate (CD) 5 years
$0
2.04%
▼ 0.72% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.72% below avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
60 mo
$50,000
1.80%
▼ 0.96% below national avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.96% below avg
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
1111 S Muskogee Ave, Tahlequah, OK 74464
60 mo
$1,000
1.75%
▼ 1.01% below national avg
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.01% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
215 State St, Muskogee, OK 74401
5 Years
$0
1.55%
▼ 1.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.21% below avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
60 month
$0
1.31%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.45% below avg
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4815 S Harvard Ave, Tulsa, OK 74135
5 year
$0
1.29%
▼ 1.47% below national avg
▼
Rate1.28%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.47% below avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
60 months
$0
0.25%
▼ 2.51% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.51% below avg
Details
Powered by
MonitorBankRates
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
2.833%
▲ 0.706 vs 7 days ago
Oklahoma 12-month CD rates rose 0.706 points over the past 7 days to 2.833% APY.
6-Month CD — OK Avg
2.672%
▲ 0.201 vs 7 days ago
Oklahoma 6-month CD rates rose 0.201 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OK CD Rate Forecast — Next 12 Months
Where are Oklahoma CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OK 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
360
CD Rates
Tracked in Oklahoma
Tracked in Oklahoma
34 Banks
26 Credit Unions
About Our Oklahoma CD Rate Database
MonitorBankRates tracks 360 CD rates from 34 banks and 26 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 (1–5), 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: MapleMark Bank offers a CD at 4.40% 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 26 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 — 60 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
$114/yr
At OK 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $114 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 (90–180 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, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Exchange Bank and Trust Company is offering its 60 Month CD at 4.06% 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:
- MapleMark Bank: 4.40% APY (36 Month CD)
- First Pryority Bank: 4.25% APY (36 month)
- Bank of Commerce Duncan, OK: 4.25% APY (36 Month IRA)
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 0-17))
- Exchange Bank and Trust Company: 4.06% APY (18 Month CD)
- Regent Bank (OK): 4.05% APY (12 Months)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Share Certificate)
- Security Bank and Trust Company: 3.96% APY (18 Month CD)
- Washita State Bank: 3.95% APY (6 Month CD)
Rates reflect recent verified offers available in Oklahoma. Last Updated: September 1, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oklahoma
Oklahoma CD Calculator
At today’s OK top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Oklahoma CD LadderOK CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Oklahoma CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 2.833% 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: September 1, 2026
Cities in Oklahoma
Rate Assistant
MonitorBankRates.com · Live Data
Try asking