What are the best CD rates in Oklahoma?

Here are recent top rates found for this area: Bank of the Panhandle : 5.10% APY (6 Month Certificates of Deposit) ADVANCIAL : 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years) MapleMark Bank : 4.40% APY (36 Month CD) The Community State Bank : 4.30% APY (6 Month CD) First Pryority Bank : 4.25% APY (36 Month Certificates of Deposit (CDs)) Bank of Commerce Duncan, OK : 4.25% APY (36 Month IRA) Lifetime Federal Credit Union : 4.18% APY (12 Month Certificate) Encentus Federal Credit Union : 4.08% APY (12 Month Jumbo Share Certificates) Exchange Bank and Trust Company : 4.06% APY (18 Month Certificate of Deposit) Regent Bank (OK) : 4.05% APY (12 Month Certificate)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

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Oklahoma Best CD Rates September 2026

Q: Are CD rates in Oklahoma FDIC insured?

Yes, most established banks in Oklahoma are insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor. Credit unions are insured by the NCUA, offering the same level of protection.

Q: 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.

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Oklahoma.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 21, 2026

Current Oklahoma CD rates include Bank of the PanhandleBank of the Panhandle1223 N Main St, Guymon, OK 73942A5.0 ★Texas Ratio: 12.98%Real return: +2.30%APY minus CPI (February 2026) offering 6 Month Certificates of Deposit at 5.10% APY, ADVANCIALADVANCIAL815 NW 58th St, Oklahoma City, OK 73118 5912A5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, The Community State BankThe Community State Bank405 Us Highway 271, Wister, OK 74966A+5.0 ★Texas Ratio: 3.71%Real return: +1.50%APY minus CPI (February 2026) offering 6 Month CD at 4.30% APY, and First Pryority BankFirst Pryority Bank310 E Graham Ave, Pryor, OK 74361A-5.0 ★Texas Ratio: 14.96%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month Certificates of Deposit (CDs) at 4.25% APY. CD rates as of September 21, 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 5.10% APY from Bank of the Panhandle at 1223 N Main St, Guymon, OK 73942. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026

Compare Best CD Rates in Oklahoma

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Oklahoma 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week

View 3-month CD rate trend

The national average 3-month CD rate is 2.06% APY as of September 22, 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 the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

90 Day Certificates of Deposit

5.10% ▲ 3.04% above national avg

View

▼

Rate5.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 3.04% above avg

Details

$50,000+

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

90 Day Certificates of Deposit

4.84% ▲ 2.78% above national avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 2.78% above avg

Details

$1,000 - $49,999

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

3-Month Certificate

4.00% ▲ 1.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.94% above avg

Details

No minimum deposit.

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

3 Month Share Certificate

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.94% above avg

Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month Certificate of Deposit

3.75% ▲ 1.69% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.69% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month Certificate of Deposit

3.65% ▲ 1.59% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.59% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

3 Month (90 Day) CD

3.60% ▲ 1.54% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.54% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month Certificate of Deposit

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.49% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

3 Month Certificate

3.50% ▲ 1.44% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.44% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

3 Month Certificate Special

$1,000

3.50% ▲ 1.44% above national avg

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.44% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

3 Month Term Share (Certificate) / IRA

3.41% ▲ 1.35% above national avg

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.35% above avg

Details

Early Withdrawal Penalty: 60 Days

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

3 Month Share Certificates and Over)

$100,000

3.41% ▲ 1.35% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.35% above avg

Details

$100,000

Great Southern Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

4200 E Skelly Dr, Tulsa, OK 74135

3-Month CD

$1,000

3.40% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.34% 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:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

3 Month Certificate

$50,000

3.35% ▲ 1.29% above national avg

View

▼

Rate3.30%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.29% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

3 Month Term Share (Certificate) / IRA

3.30% ▲ 1.24% above national avg

View

▼

Rate3.26%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.24% above avg

Details

Early Withdrawal Penalty: 60 Days

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

3 Month Certificate

$1,000

3.30% ▲ 1.24% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.24% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

3 Month Share Certificates

$1,000

3.30% ▲ 1.24% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.24% above avg

Details

$1,000 - $99,999

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

3 Month Certificates

$200,000

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.19% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

3 Month Certificate Accounts and IRA Certificates

3.25% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.19% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

3 Month Term Share (Certificate) / IRA

3.20% ▲ 1.14% above national avg

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.14% above avg

Details

Early Withdrawal Penalty: 60 Days

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

3 Month Certificate

3.15% ▲ 1.09% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.09% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

3 Month Term Share (Certificate) / IRA

3.10% ▲ 1.04% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.04% above avg

Details

Early Withdrawal Penalty: 60 Days

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

3 Month Certificates

$50,000

3.05% ▲ 0.99% above national avg

View

▼

Rate3.02%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.99% above avg

Details

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

90 Day Certificates of Deposit

$2,000

3.04% ▲ 0.98% above national avg

View

▼

Rate3.00%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.98% above avg

Details

APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

3 Month CD

$1,000

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.94% above avg

Details

Oklahoma Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

311 E McElroy Rd, Stillwater, OK 74075 3815

3 Month Share Certificates

$1,000

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.94% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3 Month Jumbo IRA Certificate

$100,000

2.95% ▲ 0.89% above national avg

View

▼

Rate2.92%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.89% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3-month Jumbo Certificate

$100,000

2.95% ▲ 0.89% above national avg

View

▼

Rate2.92%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.89% above avg

Details

Term: 3-month Jumbo Certificate

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

3 Month Term Share (Certificate) / IRA

2.94% ▲ 0.88% above national avg

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.88% above avg

Details

IRA ONLY; Early Withdrawal Penalty: 60 Days

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3 Month IRA Certificate

$1,000

2.90% ▲ 0.84% above national avg

View

▼

Rate2.87%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.84% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3-month Certificate

$1,000

2.90% ▲ 0.84% above national avg

View

▼

Rate2.87%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.84% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

3 Month Certificates

$1,000

2.85% ▲ 0.79% above national avg

View

▼

Rate2.82%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.79% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 3 months

2.55% ▲ 0.49% above national avg

View

▼

Rate2.52%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.49% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

3 Month IRA Plus Certificates

2.47% ▲ 0.41% above national avg

View

▼

Rate2.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.41% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

3 Month Share Certificates Plus

2.47% ▲ 0.41% above national avg

View

▼

Rate2.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.41% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 3 months

2.45% ▲ 0.39% above national avg

View

▼

Rate2.42%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.39% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 3 months

2.34% ▲ 0.28% above national avg

View

▼

Rate2.32%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.28% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

3 Month IRA Certificates

2.27% ▲ 0.21% above national avg

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.21% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

3 Month Share Certificates

2.27% ▲ 0.21% above national avg

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.21% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business Certificate of Deposit - 3 Month

$1,000

2.25% ▲ 0.19% above national avg

View

▼

Rate2.23%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.19% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Certificate of Deposit - 3 Month

$1,000

2.25% ▲ 0.19% above national avg

View

▼

Rate2.23%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.19% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

3 Month Certificates of Deposit (CDs)

$1,000

2.02% ▼ 0.04% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.04% below avg

Details

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

3 Month Share Certificate

$1,000

2.00% ▼ 0.06% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 0.06% below avg

Details

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

3 Month Certificates of Deposit

2.00% ▼ 0.06% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 0.06% below avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

3 Month CD

$1,000

1.50% ▼ 0.56% below national avg

View

▼

Rate1.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.56% below avg

Details

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

90 Days SCA

1.30% ▼ 0.76% below national avg

View

▼

Rate1.29%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▼ 0.76% below avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

3 Month WSB Traditional CDs

$1,000

1.16% ▼ 0.90% below national avg

View

▼

Rate1.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▼ 0.90% below avg

Details

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

30-90 Day CD

1.16% ▼ 0.90% below national avg

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▼ 0.90% below avg

Details

Saint Francis Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344

IRA Certificates 3 Month

1.13% ▼ 0.93% below national avg

View

▼

Rate1.12%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▼ 0.93% below avg

Details

Saint Francis Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344

3 Month Share Certificates

1.00% ▼ 1.06% below national avg

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▼ 1.06% below avg

Details

Oklahoma 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week

View 6-month CD rate trend

The national average 6-month CD rate is 2.77% APY as of September 22, 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 the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

6 Month Certificates of Deposit

5.10% ▲ 2.33% above national avg

View

▼

Rate5.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 2.33% above avg

Details

$50,000+

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

6 Month Certificates of Deposit

4.84% ▲ 2.07% above national avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 2.07% above avg

Details

$1,000 - $49,999

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

6 Month CD

4.30% ▲ 1.53% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.53% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

6 Month Certificate

$1,000

4.05% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.28% above avg

Details

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

6 Month Share Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

6 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.23% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month Certificate of Deposit

3.96% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.19% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

6 Month WSB Traditional CDs

$1,000

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.18% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

6 Month CD

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.13% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month Certificate of Deposit

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.08% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6 Month Jumbo IRA Certificate

$100,000

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6-month Jumbo Certificate

$100,000

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

Term: 6-month Jumbo Certificate

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

IRA Certificate 6 Months

3.82% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.05% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

6 month CD

$75,000

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

6 Month Certificate

$1,000

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

6 Month CD

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.98% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month Certificate of Deposit

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

6 Month (180 Day) CD

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Interest Paid: Quarterly

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

6 Month Certificate

3.71% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.94% above avg

Details

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

6 Month Certificates of Deposit

3.71% ▲ 0.94% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.94% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

6 Month Certificates of Deposit (CDs)

$1,000

3.70% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.93% above avg

Details

SSB Seiling State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

301 N Main St, Seiling, OK 73663

6 Month CDs & IRAs

3.66% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.89% above avg

Details

Simmons Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.47%

608 S Main St, Stillwater, OK 74074

6-month CD

3.65% ▲ 0.88% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.88% above avg

Details

New Money; Open now; Open in branch

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6 Month IRA Certificate

$1,000

3.65% ▲ 0.88% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6-month Certificate

$1,000

3.65% ▲ 0.88% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

6 Month Term Share (Certificate) / IRA

3.60% ▲ 0.83% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.83% above avg

Details

Early Withdrawal Penalty: 90 Days

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

6-month CD

3.60% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.83% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

6 Month Certificate Special

$1,000

3.60% ▲ 0.83% above national avg

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.83% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

6 Month CD

3.60% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.83% above avg

Details

Published APY range: 3.60%/3.66%. Balance: $100,000 - <$250,000

Union State Bank Arkansas City, KS

Institution Rating:

A+5.0 ★Texas Ratio: 1.08%

4110 Nowata Rd, Bartlesville, OK 74006

6-Month CD Special

3.60% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.83% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

6 Month Certificate of Deposit

3.60% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.83% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

6 Month Share Certificate JUMBO

3.60% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.83% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

6 Month IRA

3.56% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.79% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

6 Month CD

3.55% ▲ 0.78% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.78% above avg

Details

Published APY range: 3.55%/3.61%. Balance: $1,500 - <$10,000

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

6 Month Certificates of Deposit

3.51% ▲ 0.74% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.74% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

6 Month Term Share (Certificate) / IRA

3.50% ▲ 0.73% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

Early Withdrawal Penalty: 90 Days

Simmons Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.47%

608 S Main St, Stillwater, OK 74074

6-month CD

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

New Money; Open now; Open in branch

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

6 Month CD

$500

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

Annual Percentage Yield.

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

6 Month Certificate

3.50% ▲ 0.73% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

6 Month Share Certificates and Over)

$100,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.45%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

$100,000

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

6 Month Certificate Accounts and IRA Certificates

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

6 Month Certificate

3.45% ▲ 0.68% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.68% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

6 Month Term Share (Certificate) / IRA

3.40% ▲ 0.63% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.63% above avg

Details

Early Withdrawal Penalty: 90 Days

Great Southern Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

4200 E Skelly Dr, Tulsa, OK 74135

6-Month CD

$1,000

3.40% ▲ 0.63% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.63% 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:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

6 Month Certificate

$50,000

3.40% ▲ 0.63% above national avg

View

▼

Rate3.35%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.63% above avg

Details

Oklahoma Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

311 E McElroy Rd, Stillwater, OK 74075 3815

6 Month Share Certificates

$1,000

3.40% ▲ 0.63% above national avg

View

▼

Rate3.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.63% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

6 Month Share Certificates

$1,000

3.40% ▲ 0.63% above national avg

View

▼

Rate3.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.63% above avg

Details

$1,000 - $99,999

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

6 Month Certificate

$1,000

3.35% ▲ 0.58% above national avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.58% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

6 Month Certificates

$200,000

3.35% ▲ 0.58% above national avg

View

▼

Rate3.31%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.58% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

6 Month IRA Plus Certificates

3.34% ▲ 0.57% above national avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.57% above avg

Details

Oklahoma 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week

View 12-month CD rate trend

The national average 12-month CD rate is 2.95% APY as of September 22, 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 the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

12 Month Certificates of Deposit

4.84% ▲ 1.89% above national avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.89% above avg

Details

$50,000+

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

12 Month Certificates of Deposit

4.58% ▲ 1.63% above national avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.63% above avg

Details

$1,000 - $49,999

Lifetime Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1400 S Boston Ave, Tulsa, OK 74119 3612

12 Month Certificate

$2,000

4.18% ▲ 1.23% above national avg

View

▼

Rate4.10%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.23% above avg

Details

Lifetime Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1400 S Boston Ave, Tulsa, OK 74119 3612

IRA / 12 Month Certificate

$2,000

4.18% ▲ 1.23% above national avg

View

▼

Rate4.10%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.23% above avg

Details

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

12 Month CD

4.16% ▲ 1.21% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.21% above avg

Details

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

12 Month CD

4.15% ▲ 1.20% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.20% above avg

Details

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

12 Month CD

4.11% ▲ 1.16% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.16% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

12 Month Jumbo Share Certificates

4.08% ▲ 1.13% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.13% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

12 Month Certificate

$1,000

4.05% ▲ 1.10% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.10% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

1 Year Certificate of Deposit

4.00% ▲ 1.05% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.05% above avg

Details

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 12 Months

$2,500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.05% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

12 Month IRA

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Interest Paid: Quarterly

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

12 Month Certificate

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.92%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Oklahoma Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

311 E McElroy Rd, Stillwater, OK 74075 3815

12 Month Share Certificates

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

1 Year Certificate of Deposit

3.96% ▲ 1.01% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.01% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

12 Month CD

3.95% ▲ 1.00% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.00% above avg

Details

Interest Paid: Quarterly

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

12 Month CD (also IRA)

3.90% ▲ 0.95% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.95% above avg

Details

Term: 12 Month CD (also IRA)

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

12 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.85% ▲ 0.90% above national avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.90% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

12 Month WSB Traditional CDs

$1,000

3.80% ▲ 0.85% above national avg

View

▼

Rate3.74%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.85% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

12 Month CD

3.80% ▲ 0.85% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.85% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

12 month CD

$75,000

3.80% ▲ 0.85% above national avg

View

▼

Rate3.75%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.85% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

12 Month Certificate

$1,000

3.80% ▲ 0.85% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.85% above avg

Details

Elevate Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

1329 E Main St, Pawhuska, OK 74056

1 YEAR CD

3.79% ▲ 0.84% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.84% above avg

Details

Compounding Frequency: SEMI ANNUALLY

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

12 Month Term Share (Certificate) / IRA

3.76% ▲ 0.81% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.81% above avg

Details

Early Withdrawal Penalty: 120 Days

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

12-month CD

3.75% ▲ 0.80% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.80% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

12 Month Certificate Special

$1,000

3.75% ▲ 0.80% above national avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.80% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

12 Month Jumbo IRA Certificate

$100,000

3.75% ▲ 0.80% above national avg

View

▼

Rate3.70%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.80% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

12-month Jumbo Certificate

$100,000

3.75% ▲ 0.80% above national avg

View

▼

Rate3.70%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.80% above avg

Details

Term: 12-month Jumbo Certificate

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

12 Month Certificate Accounts and IRA Certificates

3.75% ▲ 0.80% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.80% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

12-Month Certificate Account

$1,000

3.75% ▲ 0.80% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.80% above avg

Details

Will automatically renew at maturity into a standard 12-Month Certificate at the prevailing rate at that time.

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

12 Month IRA

3.72% ▲ 0.77% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.77% above avg

Details

Union State Bank Arkansas City, KS

Institution Rating:

A+5.0 ★Texas Ratio: 1.08%

4110 Nowata Rd, Bartlesville, OK 74006

12-Month CD Special

3.70% ▲ 0.75% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.75% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

1 Year Certificate of Deposit

3.70% ▲ 0.75% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.75% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

1 Year Share Certificate JUMBO

3.70% ▲ 0.75% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.75% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

12 Month Term Share (Certificate) / IRA

3.65% ▲ 0.70% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.70% above avg

Details

Early Withdrawal Penalty: 120 Days

Valor Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

1501 Renaissance Blvd, Edmond, OK 73013

12-Month CD

3.65% ▲ 0.70% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.70% above avg

Details

Penalty for early withdrawal. Rates are effective as of March 13, 2026.

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

12 Month Certificate

3.61% ▲ 0.66% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.66% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

12 Month Certificate

$50,000

3.60% ▲ 0.65% above national avg

View

▼

Rate3.54%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 0.65% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

12 Month Share Certificates and Over)

$100,000

3.60% ▲ 0.65% above national avg

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.65% above avg

Details

$100,000

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

12 Month Certificate

3.56% ▲ 0.61% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.61% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

IRA Certificate 12 Months

3.56% ▲ 0.61% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.61% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

12 Month Term Share (Certificate) / IRA

3.55% ▲ 0.60% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.60% above avg

Details

Early Withdrawal Penalty: 120 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

12 Month CD

3.55% ▲ 0.60% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.60% above avg

Details

Published APY range: 3.55%/3.61%. Balance: $100,000 - <$250,000

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

12 Month Certificates of Deposit (CDs)

$1,000

3.55% ▲ 0.60% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.60% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

12 Month Certificate

$1,000

3.55% ▲ 0.60% above national avg

View

▼

Rate3.49%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 0.60% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

12 Month IRA Plus Certificates

3.55% ▲ 0.60% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.60% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

12 Month Share Certificates Plus

3.55% ▲ 0.60% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 0.60% above avg

Details

The Stock Exchange Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.22%

1117 10th St, Woodward, OK 73801

12 Month Certificate of Deposit

$500

3.53% ▲ 0.58% above national avg

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 0.58% above avg

Details

SSB Seiling State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

301 N Main St, Seiling, OK 73663

12 Month CDs & IRAs

3.51% ▲ 0.56% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.56% above avg

Details

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

12 Month Certificates of Deposit

3.51% ▲ 0.56% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 0.56% above avg

Details

Oklahoma 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week

View 18-month CD rate trend

The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

18 Month CD

4.30% ▲ 1.48% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.48% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

18 Month Certificates of Deposit

4.06% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.24% above avg

Details

$50,000+

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month Certificate of Deposit

4.06% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.24% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

18 Month CD

4.05% ▲ 1.23% above national avg

View

▼

Rate3.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.23% above avg

Details

Interest Paid: Quarterly

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

18 Month IRA

4.05% ▲ 1.23% above national avg

View

▼

Rate3.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.23% above avg

Details

Interest Paid: Quarterly

Great Plains National Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.28%

101 S Oklahoma Ave, Mangum, OK 73554

18-Month CD

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

CD Rate Special!

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

18 Month Certificates of Deposit (CDs)

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.18% above avg

Details

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

18 Month Certificates of Deposit

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month Certificate of Deposit

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.14% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

18 Month CD

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.14% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

18 Month IRA

3.87% ▲ 1.05% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.05% above avg

Details

SpiritBank

Institution Rating:

A5.0 ★Texas Ratio: 6.48%

4815 S Harvard Ave, Tulsa, OK 74135

IRA variable 18-month

3.86% ▲ 1.04% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.04% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

18-month CD

3.85% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.03% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month Certificate of Deposit

3.85% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.03% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

18 Month Jumbo Share Certificates

3.82% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.00% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

18 Month Certificates of Deposit

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.98% above avg

Details

$1,000 - $49,999

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

18 month CD

$75,000

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.98% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

18 Month Certificate

$1,000

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.98% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

18 Month Certificate

3.76% ▲ 0.94% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.94% above avg

Details

Oklahoma Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

311 E McElroy Rd, Stillwater, OK 74075 3815

18 Month Share Certificates

$1,000

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.93% above avg

Details

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

18 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

18 Month Certificates of Deposit

$2,000

3.49% ▲ 0.67% above national avg

View

▼

Rate3.45%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.67% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

IRA Certificate 18 Months

3.45% ▲ 0.63% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.63% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

18 Month IRA Plus Certificates

3.44% ▲ 0.62% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.62% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

18 Month Share Certificates Plus

3.44% ▲ 0.62% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.62% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

18 Month Certificates

$200,000

3.40% ▲ 0.58% above national avg

View

▼

Rate3.36%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.58% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

18 Month CD

$1,000

3.30% ▲ 0.48% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.48% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 18 months

3.28% ▲ 0.46% above national avg

View

▼

Rate3.23%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.46% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

18 Month IRA Certificates

3.24% ▲ 0.42% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.42% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

18 Month Share Certificates

3.24% ▲ 0.42% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.42% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

18 Month Certificate

$50,000

3.20% ▲ 0.38% above national avg

View

▼

Rate3.15%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 0.38% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18 Month Jumbo Certificate

$100,000

3.20% ▲ 0.38% above national avg

View

▼

Rate3.16%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.38% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18-month Jumbo Certificate

$100,000

3.20% ▲ 0.38% above national avg

View

▼

Rate3.16%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.38% above avg

Details

Term: 18-month Jumbo Certificate

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

18 Month Certificates

$50,000

3.20% ▲ 0.38% above national avg

View

▼

Rate3.16%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.38% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 18 months

3.18% ▲ 0.36% above national avg

View

▼

Rate3.13%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.36% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

18 Month Certificate

$1,000

3.15% ▲ 0.33% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 0.33% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18 Month Certificate

$1,000

3.15% ▲ 0.33% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.33% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18-month Certificate

$1,000

3.15% ▲ 0.33% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.33% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 18 months

3.07% ▲ 0.25% above national avg

View

▼

Rate3.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.25% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

18 Month Certificate

3.05% ▲ 0.23% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.23% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

18 Month IRA Fixed & Roth & Education

$250

3.05% ▲ 0.23% above national avg

View

▼

Rate3.00%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.23% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business 18 Month IRA Fixed & Roth & Education

$250

3.05% ▲ 0.23% above national avg

View

▼

Rate3.00%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.23% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

18 Month CD

$1,000

3.05% ▲ 0.23% above national avg

View

▼

Rate3.05%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.23% above avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

18 Month Certificate

3.04% ▲ 0.22% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.22% above avg

Details

The Bank of the West

Institution Rating:

A-5.0 ★Texas Ratio: 15.15%

401 South Main Street, Leedey, OK 73654

18 Month IRA Variable Rate Certificate of Deposit

3.04% ▲ 0.22% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.22% above avg

Details

Term: 18 Month IRA Variable Rate

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 18 Months

$1,000

3.00% ▲ 0.18% above national avg

View

▼

Rate2.97%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.18% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

18 Month Certificates

$1,000

3.00% ▲ 0.18% above national avg

View

▼

Rate2.97%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.18% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

18 Month Certificate

$1,000

2.98% ▲ 0.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.16% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business Certificate of Deposit - 18 Month

$1,000

2.90% ▲ 0.08% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.08% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Certificate of Deposit - 18 Month

$1,000

2.90% ▲ 0.08% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.08% above avg

Details

Oklahoma 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week

View 24-month CD rate trend

The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

24 Month CD

4.30% ▲ 1.46% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.46% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

24 Month CD

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.31% above avg

Details

Interest Paid: Quarterly

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

24 Month IRA

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.31% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month Certificate of Deposit

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.22% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

24 Month Certificate

$1,000

4.05% ▲ 1.21% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.21% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

24 Month Certificates of Deposit (CDs)

$1,000

4.05% ▲ 1.21% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.21% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

24-month CD

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.16% above avg

Details

Lifetime Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1400 S Boston Ave, Tulsa, OK 74119 3612

24 Month Certificate

$2,000

3.97% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.13% above avg

Details

Lifetime Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1400 S Boston Ave, Tulsa, OK 74119 3612

IRA / 24 Month Certificate

$2,000

3.97% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.13% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month Certificate of Deposit

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.12% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

24 Month CD

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.12% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.90% ▲ 1.06% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.06% above avg

Details

Early Withdrawal Penalty: 180 Days

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

24 Month IRA

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.03% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

24 Month Certificate Special

$1,000

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

24 Month Certificates of Deposit

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

$50,000+

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month Certificate of Deposit

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.01% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.96% above avg

Details

Early Withdrawal Penalty: 180 Days

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

24 Month Certificate (2 Year)

3.76% ▲ 0.92% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.92% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

24 Month Share Certificates and Over)

$100,000

3.76% ▲ 0.92% above national avg

View

▼

Rate3.70%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.92% above avg

Details

$100,000

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.70% ▲ 0.86% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.86% above avg

Details

Early Withdrawal Penalty: 180 Days

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

24 Month Share Certificates

$1,000

3.65% ▲ 0.81% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.81% above avg

Details

$1,000 - $99,999

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

24 Month Certificates of Deposit

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.76% above avg

Details

$1,000 - $49,999

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

24 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.76% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

24 Month Certificates

$200,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.76% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 2 years

3.60% ▲ 0.76% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.76% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.59% ▲ 0.75% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.75% above avg

Details

Early Withdrawal Penalty: 180 Days

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

24 Month Jumbo Share Certificates

3.56% ▲ 0.72% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.72% above avg

Details

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

24 Month Certificates of Deposit

$2,000

3.55% ▲ 0.71% above national avg

View

▼

Rate3.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.71% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

3.50% ▲ 0.66% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.66% above avg

Details

Published APY range: 3.50%/3.56%. Balance: $100,000 - <$250,000

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

24 Month Certificate Accounts and IRA Certificates

3.50% ▲ 0.66% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.66% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.49% ▲ 0.65% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.65% above avg

Details

Early Withdrawal Penalty: 180 Days

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 2 years

3.49% ▲ 0.65% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.65% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

3.45% ▲ 0.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.61% above avg

Details

Published APY range: 3.45%/3.51%. Balance: $10,000 - <$25,000

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.44% ▲ 0.60% above national avg

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.60% above avg

Details

Early Withdrawal Penalty: 180 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

3.40% ▲ 0.56% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.56% above avg

Details

Published APY range: 3.40%/3.45%. Balance: $1,500 - <$10,000

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24 Month Jumbo IRA Certificate

$100,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Jumbo Boost Certificate

$100,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Jumbo Certificate

$100,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

Term: 24-month Jumbo Certificate

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

24 Month Certificates

$50,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

24 Month Roth IRA Certificates

$1,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

24 Month Traditional IRA Certificates

$1,000

3.40% ▲ 0.56% above national avg

View

▼

Rate3.36%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.56% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 2 years

3.39% ▲ 0.55% above national avg

View

▼

Rate3.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.55% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

24 Month CD

$1,000

3.35% ▲ 0.51% above national avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.51% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

24 Month Term Share (Certificate) / IRA

3.34% ▲ 0.50% above national avg

View

▼

Rate3.29%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.50% above avg

Details

Early Withdrawal Penalty: 180 Days

Employees Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.47%

1120 W 17th St, Tulsa, OK 74107

24 Month Share Certificate Account

3.34% ▲ 0.50% above national avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 0.50% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

24 Month IRA Plus Certificates

3.34% ▲ 0.50% above national avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.50% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

24 Month Share Certificates Plus

3.34% ▲ 0.50% above national avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.50% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

2 Year Certificate of Deposit

3.30% ▲ 0.46% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.46% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

2 Year Share Certificate JUMBO

3.30% ▲ 0.46% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.46% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

24 Month CD (also IRA)

3.25% ▲ 0.41% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.41% above avg

Details

Term: 24 Month CD (also IRA)

Oklahoma 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week

View 36-month CD rate trend

The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

36 Month CD

4.40% ▲ 1.64% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.64% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

36 Month Certificates of Deposit (CDs)

$1,000

4.25% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 1.49% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

36 Month IRA

4.25% ▲ 1.49% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.49% above avg

Details

Interest Paid: Quarterly

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

36 Month CD

4.15% ▲ 1.39% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.39% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Certificate of Deposit

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.30% above avg

Details

Term: 36 Month (Escalator CD)

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Certificate of Deposit

3.96% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.20% above avg

Details

Term: 36 Month (Escalator CD)

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 3 years

3.91% ▲ 1.15% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.15% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.90% ▲ 1.14% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.14% above avg

Details

Early Withdrawal Penalty: 240 Days

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

36 Month IRA

3.87% ▲ 1.11% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.11% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Certificate of Deposit

3.85% ▲ 1.09% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.09% above avg

Details

Term: 36 Month (Escalator CD)

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.04% above avg

Details

Early Withdrawal Penalty: 240 Days

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

36 Month CD

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

36 Month Share Certificates and Over)

$100,000

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.04% above avg

Details

$100,000

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 3 years

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.04% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

36 Month Certificate (3 Year)

3.76% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.00% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

36 Month IRA Plus Certificates

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.99% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

36 Month Share Certificates Plus

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.99% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.70% ▲ 0.94% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.94% above avg

Details

Early Withdrawal Penalty: 240 Days

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

36 Month Share Certificates

$1,000

3.70% ▲ 0.94% above national avg

View

▼

Rate3.64%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.94% above avg

Details

$1,000 - $99,999

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 3 years

3.70% ▲ 0.94% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.94% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

36 Month Certificates

$200,000

3.60% ▲ 0.84% above national avg

View

▼

Rate3.55%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.84% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.59% ▲ 0.83% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.83% above avg

Details

Early Withdrawal Penalty: 240 Days

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

36 Month Certificates of Deposit

$2,000

3.55% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.79% above avg

Details

Employees Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.47%

1120 W 17th St, Tulsa, OK 74107

36 Month Share Certificate Account

3.55% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 0.79% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

36 Month IRA Certificates

3.55% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.79% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

36 Month Share Certificates

3.55% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.79% above avg

Details

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

36 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.50% ▲ 0.74% above national avg

View

▼

Rate3.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.74% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.49% ▲ 0.73% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.73% above avg

Details

Early Withdrawal Penalty: 240 Days

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.44% ▲ 0.68% above national avg

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.68% above avg

Details

Early Withdrawal Penalty: 240 Days

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

36 Month Share Certificate

$100,000

3.40% ▲ 0.64% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.64% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

36 Month Certificates

$50,000

3.40% ▲ 0.64% above national avg

View

▼

Rate3.36%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.64% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

36 Month Roth IRA Certificates

$1,000

3.40% ▲ 0.64% above national avg

View

▼

Rate3.36%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.64% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

36 Month Traditional IRA Certificates

$1,000

3.40% ▲ 0.64% above national avg

View

▼

Rate3.36%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.64% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36 Month Jumbo IRA Certificate

$100,000

3.35% ▲ 0.59% above national avg

View

▼

Rate3.31%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.59% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36-month Jumbo Certificate

$100,000

3.35% ▲ 0.59% above national avg

View

▼

Rate3.31%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.59% above avg

Details

Term: 36-month Jumbo Certificate

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

36 Month Term Share (Certificate) / IRA

3.34% ▲ 0.58% above national avg

View

▼

Rate3.29%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.58% above avg

Details

Early Withdrawal Penalty: 240 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

3.30% ▲ 0.54% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.54% above avg

Details

Published APY range: 3.30%/3.35%. Balance: $100,000 - <$250,000

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

3 Year Certificate of Deposit

3.30% ▲ 0.54% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.54% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

3 Year Share Certificate JUMBO

3.30% ▲ 0.54% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.54% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36 Month IRA Certificate

$1,000

3.30% ▲ 0.54% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.54% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36-month Certificate

$1,000

3.30% ▲ 0.54% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.54% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

36 Month Certificates of Deposit

3.29% ▲ 0.53% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.53% above avg

Details

$50,000+

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

36 Month Share Certificate

$1,000

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.49% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

36 Month Certificate

$1,000

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.49% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.49% above avg

Details

Published APY range: 3.25%/3.30%. Balance: $10,000 - <$25,000

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

36 Month Certificate Accounts and IRA Certificates

3.25% ▲ 0.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.49% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

36 Month IRA Fixed

$250

3.20% ▲ 0.44% above national avg

View

▼

Rate3.15%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.44% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business 36 Month IRA Fixed

$250

3.20% ▲ 0.44% above national avg

View

▼

Rate3.15%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.44% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

3.20% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.76%▲ 0.44% above avg

Details

Published APY range: 3.20%/3.25%. Balance: $1,500 - <$10,000

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

36 Month Certificates

$1,000

3.20% ▲ 0.44% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 0.44% above avg

Details

Oklahoma 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week

View 48-month CD rate trend

The national average 48-month CD rate is 2.77% APY as of September 22, 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:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

48 Month CD

4.15% ▲ 1.38% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.38% above avg

Details

Interest Paid: Quarterly

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 4 years

4.12% ▲ 1.35% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.35% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

48 Month Certificate of Deposit

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.29% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 4 years

4.01% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.24% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.96% ▲ 1.19% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.19% above avg

Details

Early Withdrawal Penalty: 300 Days

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

48 Month Certificate of Deposit

3.96% ▲ 1.19% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.19% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 4 years

3.91% ▲ 1.14% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.14% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.85% ▲ 1.08% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Early Withdrawal Penalty: 300 Days

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

48 Month IRA Plus Certificates

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

48 Month Share Certificates Plus

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

48 Month Share Certificates and Over)

$100,000

3.85% ▲ 1.08% above national avg

View

▼

Rate3.79%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

$100,000

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

48 Month IRA

3.82% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.05% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Early Withdrawal Penalty: 300 Days

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

48 Month Share Certificates

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

$1,000 - $99,999

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

48 Month Certificate (4 Year)

3.72% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.95% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

48 Month CD

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.93% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

48 Month Certificates

$200,000

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.93% above avg

Details

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

48 Month Share Certificate

$100,000

3.65% ▲ 0.88% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.88% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

48 Month IRA Certificates

3.65% ▲ 0.88% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

48 Month Share Certificates

3.65% ▲ 0.88% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.64% ▲ 0.87% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.87% above avg

Details

Early Withdrawal Penalty: 300 Days

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

48 Month Certificates of Deposit

$2,000

3.55% ▲ 0.78% above national avg

View

▼

Rate3.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.78% above avg

Details

Employees Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.47%

1120 W 17th St, Tulsa, OK 74107

48 Month Share Certificate Account

3.55% ▲ 0.78% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.78% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.54% ▲ 0.77% above national avg

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.77% above avg

Details

Early Withdrawal Penalty: 300 Days

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

48 Month Share Certificate

$1,000

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

48 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.73% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48 Month Jumbo IRA Certificate

$100,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Jumbo Boost Certificate

$100,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Jumbo Certificate

$100,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

Term: 48-month Jumbo Certificate

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

48 Month Certificates

$50,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

48 Month Roth IRA Certificates

$1,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

48 Month Traditional IRA Certificates

$1,000

3.50% ▲ 0.73% above national avg

View

▼

Rate3.46%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.73% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.49% ▲ 0.72% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.72% above avg

Details

Early Withdrawal Penalty: 300 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

3.40% ▲ 0.63% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.63% above avg

Details

Published APY range: 3.40%/3.45%. Balance: $100,000 - <$250,000

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

48 Month Term Share (Certificate) / IRA

3.39% ▲ 0.62% above national avg

View

▼

Rate3.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.62% above avg

Details

Early Withdrawal Penalty: 300 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

3.35% ▲ 0.58% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.58% above avg

Details

Published APY range: 3.35%/3.40%. Balance: $10,000 - <$25,000

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

3.30% ▲ 0.53% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.53% above avg

Details

Published APY range: 3.30%/3.35%. Balance: $1,500 - <$10,000

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

48 Month Certificates

$1,000

3.30% ▲ 0.53% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.53% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

48 Month Certificate

$1,000

3.25% ▲ 0.48% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.48% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

48 Month Certificate Accounts and IRA Certificates

3.25% ▲ 0.48% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.48% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

48 Month CD

$1,000

3.20% ▲ 0.43% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.43% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48 Month IRA Certificate

$1,000

3.20% ▲ 0.43% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.43% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Boost Certificate

$1,000

3.20% ▲ 0.43% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.43% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Certificate

$1,000

3.20% ▲ 0.43% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.43% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

4-Year Share or IRA Certificate

3.03% ▲ 0.26% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.26% above avg

Details

Balance: $80,000 to 100,000

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

48 Month Certificate

2.90% ▲ 0.13% above national avg

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.13% above avg

Details

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

48 Month Certificate

$1,000

2.85% ▲ 0.08% above national avg

View

▼

Rate2.81%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.08% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

4-Year Share or IRA Certificate

2.83% ▲ 0.06% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.06% above avg

Details

Balance: $25,000 to $79,999.99

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

48 Month WSB Traditional CDs

$1,000

2.82% ▲ 0.05% above national avg

View

▼

Rate2.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.05% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

4-Year Share or IRA Certificate

2.78% ▲ 0.01% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.01% above avg

Details

Balance: $10,000 to $24,999.99

Oklahoma 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week

View 60-month CD rate trend

The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Jumbo Certificates - 5 years

4.49% ▲ 1.65% above national avg

View

▼

Rate4.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.65% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Junior Jumbo Certificates - 5 years

4.39% ▲ 1.55% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.55% above avg

Details

ADVANCIAL

Institution Rating:

A5.0 ★Texas Ratio: 10.42%

815 NW 58th St, Oklahoma City, OK 73118 5912

Regular, IRA & Business Certificates - 5 years

4.28% ▲ 1.44% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.44% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

60 Month Certificate of Deposit

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.22% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

60 Month IRA Plus Certificates

4.01% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.17% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

60 Month Share Certificates Plus

4.01% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.17% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Early Withdrawal Penalty: 360 Days

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

60 Month Certificate of Deposit

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.12% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.06% above avg

Details

Early Withdrawal Penalty: 360 Days

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

60 Month Share Certificate

$100,000

3.90% ▲ 1.06% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.06% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.89% ▲ 1.05% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.05% above avg

Details

Early Withdrawal Penalty: 360 Days

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.83% ▲ 0.99% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.99% above avg

Details

Balance: $99,000 - 60 Mo.; Early Withdrawal Penalty: 360 Days

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

60 Month IRA Certificates

3.80% ▲ 0.96% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.96% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

60 Month Share Certificates

3.80% ▲ 0.96% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.96% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.79% ▲ 0.95% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.95% above avg

Details

Early Withdrawal Penalty: 360 Days

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

60 Month IRA

3.76% ▲ 0.92% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.92% above avg

Details

Farmers Insurance Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

7340 W Memorial Rd, Oklahoma City, OK 73142

60 Month Share Certificate

$1,000

3.75% ▲ 0.91% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.91% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.69% ▲ 0.85% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.85% above avg

Details

Early Withdrawal Penalty: 360 Days

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

60 Month Certificate (5 Year)

3.66% ▲ 0.82% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.82% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

60 Month CD

3.65% ▲ 0.81% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.81% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.63% ▲ 0.79% above national avg

View

▼

Rate3.53%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.79% above avg

Details

Early Withdrawal Penalty: 360 Days

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60 Month Jumbo IRA Certificate

$100,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.76% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60-month Jumbo Certificate

$100,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.76% above avg

Details

Term: 60-month Jumbo Certificate

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

60 Month Roth IRA Certificates

$1,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.76% above avg

Details

TTCU Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

778 W 4th St, Tahlequah, OK 74464 5237

60 Month Traditional IRA Certificates

$1,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.76% above avg

Details

Security Bank Tulsa, OK

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

10727 E 51st St, Tulsa, OK 74146

60 Month Certificates of Deposit

$2,000

3.55% ▲ 0.71% above national avg

View

▼

Rate3.50%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.71% above avg

Details

Employees Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.47%

1120 W 17th St, Tulsa, OK 74107

60 Month Share Certificate Account

3.55% ▲ 0.71% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 0.71% above avg

Details

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.53% ▲ 0.69% above national avg

View

▼

Rate3.48%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.69% above avg

Details

Early Withdrawal Penalty: 360 Days

OCB Oklahoma Capital Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.94%

8080 S Yale Ave, Tulsa, OK 74136

60 Month CERTIFICATES OF DEPOSIT & IRAS

$1,000

3.50% ▲ 0.66% above national avg

View

▼

Rate3.45%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.66% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

3.45% ▲ 0.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.61% above avg

Details

Published APY range: 3.45%/3.51%. Balance: $100,000 - <$250,000

Tinker Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.56%

1620 Lonnie Abbott Blvd, Ada, OK 74820

60 Month Term Share (Certificate) / IRA

3.43% ▲ 0.59% above national avg

View

▼

Rate3.38%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.59% above avg

Details

Early Withdrawal Penalty: 360 Days

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

3.40% ▲ 0.56% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.56% above avg

Details

Published APY range: 3.40%/3.45%. Balance: $10,000 - <$25,000

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

3.35% ▲ 0.51% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.51% above avg

Details

Published APY range: 3.35%/3.40%. Balance: $1,500 - <$10,000

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60 Month IRA Certificate

$1,000

3.30% ▲ 0.46% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.46% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60-month Certificate

$1,000

3.30% ▲ 0.46% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.46% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

60 Month CD

$1,000

3.25% ▲ 0.41% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.41% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

60 Month Certificate

$1,000

3.25% ▲ 0.41% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.41% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

60 Month Certificate Accounts and IRA Certificates

3.25% ▲ 0.41% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.41% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

5-Year Share or IRA Certificate

3.09% ▲ 0.25% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 0.25% above avg

Details

Balance: $80,000 to $100,000

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

5 year SCA

3.05% ▲ 0.21% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.21% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

60 Month WSB Traditional CDs

$1,000

3.03% ▲ 0.19% above national avg

View

▼

Rate2.99%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.19% above avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

5100 S I 35 Service Rd, Oklahoma City, OK 73129

60 Month Certificate

3.03% ▲ 0.19% above national avg

View

▼

Rate2.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.84%▲ 0.19% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

60 Month CD

3.00% ▲ 0.16% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.16% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

60 Month IRA Roth and Education Certificate

$250

2.95% ▲ 0.11% above national avg

View

▼

Rate2.91%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.11% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

CDs Minimum - 60 Month

$1,000

2.95% ▲ 0.11% above national avg

View

▼

Rate2.91%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.11% above avg

Details

$1,000

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

60 Month Certificate

2.95% ▲ 0.11% above national avg

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.11% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

5-Year Share or IRA Certificate

2.93% ▲ 0.09% above national avg

View

▼

Rate2.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 0.09% above avg

Details

Balance: $25,000 to $79,999.99

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

5-Year Share or IRA Certificate

2.83% ▼ 0.01% below national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.01% below avg

Details

Balance: $10,000 to $24,999.99

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223

5-Year Share or IRA Certificate

2.78% ▼ 0.06% below national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▼ 0.06% below avg

Details

Balance: $500 to $9,999.99

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

60 Month CD

$1,000

2.75% ▼ 0.09% below national avg

View

▼

Rate2.72%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▼ 0.09% below avg

Details

Disclaimer

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.

Top CD Rates from Oklahoma Institutions

Highest verified APYs available today, updated September 21, 2026

B Top 5 Bank Rates

Bank of the Panhandle

6 Month Certificates of Deposit

A 5.0 ★ TX: 12.98%

Min: $0

5.10%

ADVANCIAL

Regular, IRA & Business Jumbo Certificates - 5 years

A 5.0 ★ TX: 10.42%

Min: $0

4.49%

MapleMark Bank

36 Month CD

A+ 5.0 ★ TX: 4.88%

Min: $0

4.40%

The Community State Bank

6 Month CD

A+ 5.0 ★ TX: 3.71%

Min: $0

4.30%

First Pryority Bank

36 Month Certificates of Deposit (CDs)

A- 5.0 ★ TX: 14.96%

Min: $1,000

4.25%

CU Top 5 Credit Union Rates

Lifetime Federal Credit Union

12 Month Certificate

A+ 5.0 ★ TX: 3.06%

Min: $2,000

4.18%

Encentus Federal Credit Union

12 Month Jumbo Share Certificates

A+ 5.0 ★ TX: 4.29%

Min: $0

4.08%

MTC Federal Credit Union

60 Month IRA Plus Certificates

A+ 5.0 ★ TX: 4.39%

Min: $0

4.01%

Tinker Federal Credit Union

60 Month Term Share (Certificate) / IRA

A+ 5.0 ★ TX: 2.56%

Min: $0

4.00%

Farmers Insurance Federal Credit Union

3-Month Certificate

A 5.0 ★ TX: 10.06%

Min: $0

4.00%

Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Oklahoma CD Trends

12-Month CD OK Avg

2.952%

▲ 0.030 vs 7 days ago

Oklahoma 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD OK Avg

2.767%

▲ 0.021 vs 7 days ago

Oklahoma 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 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

2.952%

6-Month Forecast

2.952%

Range: 2.75% – 3.10%

12-Month Forecast

3.202%

Range: 3.00% – 3.35%

What Your Savings Earn at OK CD Rates Today

Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.

CD Term	OK Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	2.065%	$103.23	$206.46	$516.15	$1,032.30
6-Month CD	2.767%	$138.33	$276.65	$691.63	$1,383.25
12-Month CD	2.952%	$147.58	$295.15	$737.88	$1,475.75
18-Month CD	2.818%	$140.91	$281.82	$704.55	$1,409.10
24-Month CD	2.841%	$142.07	$284.14	$710.35	$1,420.70
36-Month CD	2.765%	$138.25	$276.49	$691.23	$1,382.45
48-Month CD	2.770%	$138.48	$276.97	$692.43	$1,384.85
60-Month CD	2.844%	$142.22	$284.44	$711.10	$1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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.

Build Your Ladder

Rung	Term	Deposit	OK Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.065%	$103.23
2	6-Month CD	$5,000	2.767%	$138.33
3	12-Month CD	$5,000	2.952%	$147.58
4	24-Month CD	$5,000	2.841%	$142.07
5	36-Month CD	$5,000	2.765%	$138.25
Total ($25,000 invested)		$25,000	2.678% blended	$669.46/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.

642

CD Rates
Tracked in Oklahoma

46 Banks 28 Credit Unions

About Our Oklahoma CD Rate Database

MonitorBankRates tracks 642 CD rates from 46 banks and 28 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: Bank of the Panhandle offers a CD at 5.10% 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 28 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: 74 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

$119/yr

At OK 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $119 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, Bank of the Panhandle is offering its 6 Month Certificates of Deposit at 5.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% 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:

Bank of the Panhandle: 5.10% APY (6 Month Certificates of Deposit)
ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
MapleMark Bank: 4.40% APY (36 Month CD)
The Community State Bank: 4.30% APY (6 Month CD)
First Pryority Bank: 4.25% APY (36 Month Certificates of Deposit (CDs))
Bank of Commerce Duncan, OK: 4.25% APY (36 Month IRA)
Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
Encentus Federal Credit Union: 4.08% APY (12 Month Jumbo Share Certificates)
Exchange Bank and Trust Company: 4.06% APY (18 Month Certificate of Deposit)
Regent Bank (OK): 4.05% APY (12 Month Certificate)

Rates reflect recent verified offers available in Oklahoma. Last Updated: September 21, 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.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

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.

Top Oklahoma CD Rates by Term

Verified September 21, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Oklahoma. Averages shown use the Oklahoma state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Oklahoma

Oklahoma CD Calculator

At today’s OK top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.

Oklahoma CD Ladder

OK CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Oklahoma CD at 5.10% 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 Savings

Oklahoma’s average 12-month CD is 2.952% 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 21, 2026