Bartlesville, Oklahoma CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Bartlesville, Oklahoma CD rates include Union State Bank Arkansas City, KSUnion State Bank Arkansas City, KSA+5.0 ★Texas Ratio: 2.62%Real return: +0.90%APY minus CPI (February 2026) offering 6-Month CD Special at 3.70% APY, City National B&T Co. of Lawton, OKCity National B&T Co. of Lawton, OKA+5.0 ★Texas Ratio: 1.76%Real return: +0.50%APY minus CPI (February 2026) offering 24 months Certificate of Deposit at 3.30% APY, Truity Federal Credit UnionTruity Federal Credit UnionA5.0 ★Texas Ratio: 7.04%Real return: +0.20%APY minus CPI (February 2026) offering Share Certificate 60 Month at 3.00% APY, ADVANCIALADVANCIALA+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, and Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +1.20%APY minus CPI (February 2026) offering 18 month Certificates of Deposit at 4.00% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Bartlesville has 14 local institutions in our database, with CD rates as high as 3.70% APY from Union State Bank Arkansas City, KS at 823 Main St, Winfield, KS 67156. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Oklahoma area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in Bartlesville, Oklahoma & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month Certificate of Deposit
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month Certificate of Deposit
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month Certificate of Deposit
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Special IRA Certificates
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Available for IRAs-Penalties may be imposed for early withdrawal
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 mo Certificates of Deposit
$50,000
3.45%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 mo Certificates of Deposit
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Month Certificate Accounts and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3-Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Limited time offer
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
90 Days Certificates of Deposit
$2,000
3.04%
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
3-month Jumbo Certificate
$100,000
2.95%
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
3-month Jumbo IRA Certificate
$100,000
2.95%
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
3-month Certificate
$1,000
2.90%
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
3-month IRA Certificate
$1,000
2.90%
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Share Certificate
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 3 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 month Certificates of Deposit
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Months Certificates of Deposit & IRAs
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 3 Month
$1,000
1.16%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 3 Month
$0
1.13%
▼
Rate1.12%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
91-Days (3-Month) Certificates of Deposit (CD)
$2,500
1.12%
▼
Rate1.12%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
3 Month Share Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates and Over 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6-Month CD Special
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Months Certificates of Deposit & IRAs
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
(Age 0-17)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
For Kids and Teams
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Annual Percentage Yield. Minimum balance of $1,000 to earn APY. Rate 3.88% as of 11/1/2025. Rates subject to change. Early withdrawal penalties may apply.
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 6 Month
$1,000
3.95%
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
6-month Jumbo Certificate
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
6-month Jumbo IRA Certificate
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 month Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month Certificate of Deposit
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
6-month Certificate
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
6-month IRA Certificate
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 months Certificates & IRA Certificates
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month Certificate of Deposit
$25,000
3.60%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month Certificate of Deposit
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month Special IRA Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Available for IRAs-Penalties may be imposed for early withdrawal
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 mo Certificates of Deposit
$50,000
3.50%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 mo Certificates of Deposit
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 month Certificate
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6 Month Share/IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Certificate Accounts and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6-Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Great short-term rate
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Certificates of Deposit 6 Mo.
$1,000
3.23%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificate of Deposit Account
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 6 Month
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
6 months Certificates of Deposit (CD)
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
6 Month Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 6 Months
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 month Certificates of Deposit
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
182-Day (6-Month) Certificates of Deposit (CD)
$2,500
2.13%
▼
Rate2.11%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 182-Days (6-Months)
$0
2.13%
▼
Rate2.11%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates and Over 180 Days
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 6 Month
$0
1.54%
▼
Rate1.52%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 Month Share Certificates
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
6 month Certificate of Deposit
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates 180 Days
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $100,000
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Months Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 6 Months
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00+
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Individual retirement Account (IRA) 6 months fixed rate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Months Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12-Month CD Special
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 12 Month
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 12 Month Certificate
$0
3.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month CD (also IRA)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 12 Months
$0
3.86%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Months Certificates of Deposit & IRAs
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 month Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 12 Month
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12-Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12-Month Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate Accounts and IRA Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
12-month Jumbo IRA Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
12-month Jumbo Certificate
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 mo Certificates of Deposit
$50,000
3.70%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 mo Certificates of Deposit
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
1 Year Certificate of Deposit
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit 12 Months
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
12 months Certificates & IRA Certificates
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
12-month Certificate
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
12-month IRA Certificate
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 month Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
1 Year Certificate of Deposit
$25,000
3.49%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
12 Months Certificates of Deposit
$2,000
3.49%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
1 Year Certificate of Deposit
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
12 Month Share Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 12 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month Special IRA Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Available for IRAs-Penalties may be imposed for early withdrawal
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1 Year Certificate of Deposit Account
$500
3.14%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 1 Year
$500
3.14%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Months Certificate of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1 Year Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
12 months Certificates of Deposit (CD)
$0
2.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
12-Month Certificates of Deposit (CD)
$2,500
2.60%
▼
Rate2.58%
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 12-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 12 Month
$0
2.15%
▼
Rate2.12%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
12 Month Share Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12-month certificate
$10,000
1.11%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 1 year
$10,000
1.11%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Over $10,000
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 months Certificate of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Month
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 month Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 month Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month Certificate of Deposit
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month Certificate of Deposit
$25,000
3.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
18 Months Certificates of Deposit
$2,000
3.49%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Share Certificate
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
18 mo Certificates of Deposit
$50,000
3.20%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
18-month Jumbo Certificate
$100,000
3.20%
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
18 mo Certificates of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
18-month Certificate
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
18 months Certificates & IRA Certificates
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month IRA Variable Rate Certificate of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Months Certificates of Deposit & IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
18 month IRA Certificates
$50
3.00%
▼
Rate2.96%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18 Month Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Months Certificate of Deposit
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
18-Month Certificates of Deposit (CD)
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 18-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA Certificates 18 Month IRA
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit 18 Months
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 18 Month
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month Share Certificates
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates and Over 18 Month (comp semi-annually)
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates 18 Month (comp semi-annually)
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $100,000
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 18 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00+
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Individual retirement Account (IRA) 18 months fixed rate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 18 Months
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Individual retirement Account (IRA) 18 months fixed rate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 months Certificate of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 24 Month
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
IRA / 24 Month Certificate
$0
3.87%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Certificate of Deposit
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Certificate of Deposit
$25,000
3.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Certificate of Deposit
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
24 Months Certificates of Deposit
$2,000
3.55%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate Accounts and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
24-month Jumbo Certificate
$100,000
3.40%
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
24-month Jumbo IRA Certificate
$100,000
3.40%
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
IRA Certificates 24-month Jumbo Boost Certificate
$100,000
3.40%
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
24 months Certificates & IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month CD (also IRA)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
24 mo Certificates of Deposit
$50,000
3.20%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
24 mo Certificates of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24 Month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 24 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
24-month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
IRA Certificates 24-month Boost Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 month Certificate & IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
2 Year Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 24 Month
$0
2.76%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month Special IRA Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Available for IRAs-Penalties may be imposed for early withdrawal
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
24 Month Share Certificates
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 Years Certificate of Deposit Account
$500
2.63%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 2 Years
$500
2.63%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit 24 Months
$500
2.62%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
24-Month Certificates of Deposit (CD)
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 24-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
24 months Certificates of Deposit (CD)
$0
2.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 Months Certificates of Deposit & IRAs
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 24 Month
$1,000
2.58%
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Months Certificate of Deposit
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates and Over 24 Month (comp semi-annually)
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates 24 Month (comp semi-annually)
$0
2.36%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $100,000
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-month certificate
$10,000
1.36%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 2 years
$10,000
1.36%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Over $10,000
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24-month certificate
$1,000
1.11%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $1,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 2 years -9,999
$1,000
1.11%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
24 month Certificate of Deposit
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 36 Month
$0
2.45%
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month (Escalator CD) Certificate of Deposit
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month (Escalator CD) Certificate of Deposit
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month (Escalator CD) Certificate of Deposit
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
36 Months Certificates of Deposit
$2,000
3.55%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 36 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
36-month Jumbo Certificate
$100,000
3.35%
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
36-month Jumbo IRA Certificate
$100,000
3.35%
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
36-month Certificate
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
36-month IRA Certificate
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
3 Year Share/IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
36 months Certificates & IRA Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Certificates 36 Month
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate Accounts and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 36 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
36 Month Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 month Certificate & IRA
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates and Over 36 Month (comp semi-annually)
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100,000
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificate of Deposit 36 Months
$500
2.72%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
36 mo Certificates of Deposit
$50,000
2.70%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 36 Month
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 Months Certificates of Deposit & IRAs
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
36 mo Certificates of Deposit
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
36-Month Certificates of Deposit (CD)
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 36-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
36 months Certificates of Deposit (CD)
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
Certificates 36 Month (comp semi-annually)
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $100,000
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Months Certificate of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
36-month certificate
$10,000
1.61%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 3 years
$10,000
1.61%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Over $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 3 years -9,999
$1,000
1.36%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
36-month certificate
$1,000
1.36%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $1,000
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Months Certificate
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 36 Months
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
3 year Certificate of Deposit
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 month Certificate
$1,000
1.11%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Months Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 36 Months
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Months Certificate
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 36 Months
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month Certificate of Deposit
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month Certificate of Deposit
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month Certificate of Deposit
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
48 Months Certificates of Deposit
$2,000
3.55%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
48-month Jumbo Certificate
$100,000
3.50%
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
48-month Jumbo IRA Certificate
$100,000
3.50%
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
IRA Certificates 48-month Jumbo Boost Certificate
$100,000
3.50%
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
48-month Certificate
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
48-month IRA Certificate
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
IRA Certificates 48-month Boost Certificate
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate Accounts and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Share Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 48 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
48 months Certificates & IRA Certificates
$10,000
2.94%
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
48 Months Certificates of Deposit & IRAs
$0
2.82%
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 48 Month
$1,000
2.82%
▼
Rate2.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 month Certificate & IRA
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
48-Month Certificates of Deposit (CD)
$1,000
2.60%
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 48-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.53%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.13%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
48 mo Certificates of Deposit
$50,000
2.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month certificate
$10,000
1.86%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 4 years
$10,000
1.86%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Over $10,000
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Months Certificate of Deposit
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
48-month certificate
$1,000
1.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $1,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 4 years -9,999
$1,000
1.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 month Certificate
$1,000
1.21%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Months Certificate
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 48 Months
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Months Certificate
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 48 Months
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4 year Certificate of Deposit
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Months Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 48 Months
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
CDs and IRAs 60 months and longer
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 60 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month Certificate of Deposit
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month Certificate of Deposit
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month Certificate of Deposit
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
60-month Jumbo Certificate
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
60-month Jumbo IRA Certificate
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
60 Months Certificates of Deposit
$2,000
3.55%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 15, 2026
Details
$2,000 minimum deposit to open.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 60 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
60-month Certificate
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
60-month IRA Certificate
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60 Month Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate Accounts and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
WSB Traditional CDs 60 Month
$1,000
3.03%
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60 Month Share Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA Certificates 60 Months
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
60-Month Certificates of Deposit (CD)
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedMay 15, 2026
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) 60-Months
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month certificate
$10,000
2.11%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 5 years
$10,000
2.11%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Over $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Share Certificate (CD) 5 years -9,999
$1,000
1.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60-month certificate
$1,000
1.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Minimum deposit of $1,000
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 month Certificate
$1,000
1.31%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate1.28%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
5 year Certificate of Deposit
$0
1.29%
▼
Rate1.28%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Months Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 60 Months
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Months Certificate
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 60 Months
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Months Certificate
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
IRA Certificate 60 Months
$0
1.15%
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$0.00 - $74,999.99
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Bartlesville, Oklahoma at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Bartlesville depositors is 3.70% APY from Union State Bank Arkansas City, KS. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Bartlesville, OK CD Rate Trends
Compare local Bartlesville, OK CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — OK Avg
2.790%
▲ 0.025 vs 7 days ago
Oklahoma 12-month CD rates rose 0.025 points over the past 7 days to 2.790% APY.
6-Month CD — OK Avg
2.814%
▼ 0.039 vs 7 days ago
Oklahoma 6-month CD rates fell 0.039 points over the past 7 days to 2.814% APY.
As of May 15, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OK 12-Month Avg APY
2.790%
6-Month Forecast
2.790%
Range: 2.59% – 2.94%
12-Month Forecast
2.540%
Range: 2.34% – 2.69%
Powered by
MonitorBankRates
What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.542% | $127.08 | $254.16 | $635.40 | $1,270.80 |
| 6-Month CD | 2.814% | $140.72 | $281.44 | $703.60 | $1,407.20 |
| 12-Month CD | 2.790% | $139.50 | $278.99 | $697.48 | $1,394.95 |
| 18-Month CD | 2.601% | $130.07 | $260.14 | $650.35 | $1,300.70 |
| 24-Month CD | 2.700% | $135.00 | $269.99 | $674.98 | $1,349.95 |
| 36-Month CD | 2.569% | $128.44 | $256.88 | $642.20 | $1,284.40 |
| 48-Month CD | 2.648% | $132.40 | $264.80 | $662.00 | $1,324.00 |
| 60-Month CD | 2.762% | $138.12 | $276.24 | $690.60 | $1,381.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for Bartlesville, Oklahoma Savers
$25,000 split equally across 5 terms using today’s Oklahoma average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OK Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.542% | $127.08 |
| 2 | 6-Month CD | $5,000 | 2.814% | $140.72 |
| 3 | 12-Month CD | $5,000 | 2.790% | $139.50 |
| 4 | 24-Month CD | $5,000 | 2.700% | $135.00 |
| 5 | 36-Month CD | $5,000 | 2.569% | $128.44 |
| Total ($25,000 invested) | $25,000 | 2.683% blended | $670.74/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.
306
CD Rates
Tracked in Bartlesville, Oklahoma
Tracked in Bartlesville, Oklahoma
24 Banks
17 Credit Unions
About Our Bartlesville, Oklahoma CD Rate Database
MonitorBankRates tracks 306 CD rates from 24 banks and 17 credit unions with locations in Bartlesville, 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: Union State Bank Arkansas City, KS offers a CD at 3.70% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bartlesville, Oklahoma.
How to Find the Best CD Rates in Bartlesville, Oklahoma
What to compare when shopping for a CD in Bartlesville, Oklahoma
To find the best APYs in Bartlesville, Oklahoma, start with credit unions and online-only banks — Bartlesville, Oklahoma has 17 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 Bartlesville, 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 Bartlesville, Oklahoma — 41 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bartlesville, Oklahoma savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bartlesville, Oklahoma money market rates
Bartlesville, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$36,005
National avg: $47,340
Poverty Rate
17.2%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$100/yr
At OK 12-mo avg 2.790% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s OK 12-month CD average of 2.790%, saving 10% of the local median salary ($3,600/year) and putting it in a CD would earn an additional $100 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 Bartlesville, 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 |
Frequently Asked Questions about CD Rates in Bartlesville, Oklahoma
Are CD rates in Bartlesville, Oklahoma FDIC insured?
Yes, most established banks in Bartlesville, 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 Bartlesville, 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 Bartlesville, 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 Bartlesville, 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 Bartlesville, Oklahoma?
Here are recent top rates found for this area:
- Union State Bank Arkansas City, KS: 3.70% APY (6-Month CD Special)
- City National B&T Co. of Lawton, OK: 3.30% APY (24 months Certificate of Deposit)
- Truity Federal Credit Union: 3.00% APY (Share Certificate 60 Month)
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificates)
- Mercy Credit Union: 4.00% APY (18 month Certificates of Deposit)
- Lifetime Federal Credit Union: 3.97% APY (IRA / 12 Month Certificate)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- Frontier State Bank: 3.95% APY (6 Months Certificates of Deposit & IRAs)
- Washita State Bank: 3.95% APY (6 Month CD)
- First Liberty Bank: 3.90% APY (12 Month CD (also IRA))
Rates reflect recent verified offers available in Bartlesville, Oklahoma. Last Updated: May 15, 2026
CD Calculators for Bartlesville, Oklahoma
Bartlesville, Oklahoma CD Calculator
At today’s OK top rate of 3.70% APY, a $10,000 deposit earns $370 in the first year. Enter your amount to see your exact return.
Bartlesville, Oklahoma CD LadderOK CD rates currently range from 2.542% (3-month) to 2.569% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bartlesville, Oklahoma CD at 3.70% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 2.790% 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 Bartlesville, 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 Bartlesville, 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 Bartlesville, 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: May 15, 2026
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