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Oklahoma City, Oklahoma Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Oklahoma City, Oklahoma CD rates include 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, Regent Bank (OK)Regent Bank (OK)1900 Nw Expressway, Oklahoma City, OK 73118C+4.2 ★Texas Ratio: 25.22%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month Certificate at 4.05% APY, Tinker Federal Credit UnionTinker Federal Credit Union4626 NW 39th St, Oklahoma City, OK 73122A+5.0 ★Texas Ratio: 2.56%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Term Share (Certificate) / IRA at 4.00% APY, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union7340 W Memorial Rd, Oklahoma City, OK 73142A5.0 ★Texas Ratio: 10.06%Real return: +1.20%APY minus CPI (February 2026) offering 3-Month Certificate at 4.00% APY, and Great Plains National BankGreat Plains National Bank601 Nw 13th St, Oklahoma City, OK 73103A5.0 ★Texas Ratio: 12.28%Real return: +1.20%APY minus CPI (February 2026) offering 18-Month CD at 4.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Oklahoma City has 288 local institutions in our database, with CD rates as high as 4.49% APY from ADVANCIAL at 815 NW 58th St, Oklahoma City, OK 73118 5912. 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, 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 22, 2026
Compare Best CD Rates in Oklahoma City, Oklahoma & the Surrounding Area
Oklahoma City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
7340 W Memorial Rd, Oklahoma City, OK 73142
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
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
$0
4.00%
▲ 1.94% above national avg
▼
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.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
3 Month Term Share (Certificate) / IRA
$0
3.41%
▲ 1.35% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
3 Month Term Share (Certificate) / IRA
$0
3.30%
▲ 1.24% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
3 Month Certificates
$200,000
3.25%
▲ 1.19% above national avg
▼
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
$0
3.25%
▲ 1.19% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
3 Month Term Share (Certificate) / IRA
$0
3.20%
▲ 1.14% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
3 Month Term Share (Certificate) / IRA
$0
3.10%
▲ 1.04% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
3 Month Certificates
$50,000
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.99% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
3 Month Term Share (Certificate) / IRA
$0
2.94%
▲ 0.88% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
3 Month Certificates
$1,000
2.85%
▲ 0.79% above national avg
▼
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
$0
2.55%
▲ 0.49% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.49% 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
$0
2.45%
▲ 0.39% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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
$0
2.34%
▲ 0.28% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.28% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
7340 W Memorial Rd, Oklahoma City, OK 73142
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
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
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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
▼
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
$0
1.30%
▼ 0.76% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.76% below avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
1900 Nw Expressway, Oklahoma City, OK 73118
3 Month Certificate
$1,000
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10%
▲ 3.04% above national avg
▼
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%
90 Day Certificates of Deposit
$0
4.84%
▲ 2.78% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.78% above avg
Details
$1,000 - $49,999
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.75%
▲ 1.69% above national avg
▼
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%
3 Month Certificate of Deposit
$0
3.65%
▲ 1.59% above national avg
▼
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%
3 Month (90 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
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%
3 Month Certificate of Deposit
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Certificate Special
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificates and Over)
$100,000
3.41%
▲ 1.35% above national avg
▼
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%
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
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%
3 Month Certificate
$50,000
3.35%
▲ 1.29% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.29% above avg
Details
First State Bank Tahlequah, OK
Institution Rating:
B-4.3 ★Texas Ratio: 23.38%
3 Month Certificate
$1,000
3.30%
▲ 1.24% above national avg
▼
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%
3 Month Share Certificates
$1,000
3.30%
▲ 1.24% above national avg
▼
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
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
3 Month Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.09% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
90 Day Certificates of Deposit
$2,000
3.04%
▲ 0.98% above national avg
▼
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%
3 Month CD
$1,000
3.00%
▲ 0.94% above national avg
▼
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%
3 Month Share Certificates
$1,000
3.00%
▲ 0.94% above national avg
▼
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%
3 Month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.89% above national avg
▼
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%
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.89% above national avg
▼
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
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
3 Month IRA Certificate
$1,000
2.90%
▲ 0.84% above national avg
▼
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%
3-month Certificate
$1,000
2.90%
▲ 0.84% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.84% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.41% above national avg
▼
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%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.41% above national avg
▼
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%
3 Month IRA Certificates
$0
2.27%
▲ 0.21% above national avg
▼
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%
3 Month Share Certificates
$0
2.27%
▲ 0.21% above national avg
▼
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%
Business Certificate of Deposit - 3 Month
$1,000
2.25%
▲ 0.19% above national avg
▼
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%
Certificate of Deposit - 3 Month
$1,000
2.25%
▲ 0.19% above national avg
▼
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%
3 Month Certificates of Deposit (CDs)
$1,000
2.02%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
3 Month WSB Traditional CDs
$1,000
1.16%
▼ 0.90% below national avg
▼
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%
30-90 Day CD
$0
1.16%
▼ 0.90% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.90% below avg
Details
Oklahoma City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
1900 Nw Expressway, Oklahoma City, OK 73118
6 Month Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
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
$0
4.00%
▲ 1.23% above national avg
▼
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.
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% 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
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 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
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
3131 S Shields Blvd, Oklahoma City, OK 73129
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
6 Month Term Share (Certificate) / IRA
$0
3.60%
▲ 0.83% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
6 Month Term Share (Certificate) / IRA
$0
3.50%
▲ 0.73% above national avg
▼
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%
3131 S Shields Blvd, Oklahoma City, OK 73129
6-month CD
$0
3.50%
▲ 0.73% above national avg
▼
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%
6303 Waterford Blvd, Oklahoma City, OK 73118
6 Month CD
$500
3.50%
▲ 0.73% above national avg
▼
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%
6303 Waterford Blvd, Oklahoma City, OK 73118
6 Month Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% 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
6 Month Certificate Accounts and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
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%
4626 NW 39th St, Oklahoma City, OK 73122
6 Month Term Share (Certificate) / IRA
$0
3.40%
▲ 0.63% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificates
$200,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
6 Month Term Share (Certificate) / IRA
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.52% above avg
Details
Early Withdrawal Penalty: 90 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificates
$50,000
3.15%
▲ 0.38% above national avg
▼
Rate3.11%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.38% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
6 Month Term Share (Certificate) / IRA
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 90 Days
True Sky Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 6.82%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month SCA
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificates
$1,000
2.95%
▲ 0.18% above national avg
▼
Rate2.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.18% 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 - 6 months
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.08% 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
$1,000
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below 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 - 6 months
$0
2.74%
▼ 0.03% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.03% below avg
Details
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
6-month CD
$500
2.70%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
FDIC insured up to maximum amount allowed.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 6 months
$0
2.64%
▼ 0.13% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.13% below avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
4200 W Memorial Rd, Oklahoma City, OK 73120
6 Month Certificates of Deposit
$0
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
180 Day Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
6 Month IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
6 Month Certificate
$0
0.65%
▼ 2.12% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.12% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
6 Month IRA Certificate
$0
0.65%
▼ 2.12% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.12% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
6 Month Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
6 Month IRA Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details
Balance: $0.00 - $74,999.99
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10%
▲ 2.33% above national avg
▼
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%
6 Month Certificates of Deposit
$0
4.84%
▲ 2.07% above national avg
▼
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%
6 Month CD
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.53% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
4.00%
▲ 1.23% above national avg
▼
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%
6 Month Certificate of Deposit
$0
3.96%
▲ 1.19% above national avg
▼
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%
6 Month WSB Traditional CDs
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.18% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.85%
▲ 1.08% above national avg
▼
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%
6 Month Jumbo IRA Certificate
$100,000
3.85%
▲ 1.08% above national avg
▼
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%
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.08% above national avg
▼
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%
IRA Certificate 6 Months
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
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%
6 Month (180 Day) CD
$0
3.75%
▲ 0.98% above national avg
▼
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%
6 Month Certificate
$0
3.71%
▲ 0.94% above national avg
▼
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%
6 Month Certificates of Deposit
$0
3.71%
▲ 0.94% above national avg
▼
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%
6 Month Certificates of Deposit (CDs)
$1,000
3.70%
▲ 0.93% above national avg
▼
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%
6 Month CDs & IRAs
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.89% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6 Month IRA Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
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%
6-month Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
6-month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Oklahoma City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
1900 Nw Expressway, Oklahoma City, OK 73118
12 Month Certificate
$1,000
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% 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
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
12 Month CD (also IRA)
$0
3.90%
▲ 0.95% above national avg
▼
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)
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
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
12 Month Term Share (Certificate) / IRA
$0
3.76%
▲ 0.81% above national avg
▼
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
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
$0
3.75%
▲ 0.80% above national avg
▼
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
▼
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.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
12 Month Term Share (Certificate) / IRA
$0
3.65%
▲ 0.70% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
12 Month Term Share (Certificate) / IRA
$0
3.55%
▲ 0.60% above national avg
▼
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 Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
12 Month CD
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.55% above avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
4200 W Memorial Rd, Oklahoma City, OK 73120
12 Month Certificates of Deposit
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
12 Month Term Share (Certificate) / IRA
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
Early Withdrawal Penalty: 120 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificates
$200,000
3.40%
▲ 0.45% above national avg
▼
Rate3.36%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.45% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
12 Month CD
$500
3.30%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
Annual Percentage Yield.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
12 Month Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
12 Month Term Share (Certificate) / IRA
$0
3.29%
▲ 0.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.34% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 120 Days
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
7340 W Memorial Rd, Oklahoma City, OK 73142
12 Month Share Certificate
$1,000
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificates
$50,000
3.20%
▲ 0.25% above national avg
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.25% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Roth IRA Certificates
$1,000
3.20%
▲ 0.25% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.25% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Traditional IRA Certificates
$1,000
3.20%
▲ 0.25% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.25% above 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
7-12 Month SCA
$0
3.10%
▲ 0.15% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.15% above avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
12 Month Certificate of Deposit
$0
3.04%
▲ 0.09% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.09% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
12 Month CD
$1,000
3.03%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.08% 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 - 1 year
$0
3.02%
▲ 0.07% above national avg
▼
Rate2.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.07% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificates
$1,000
3.00%
▲ 0.05% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.05% 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 - 1 year
$0
2.92%
▼ 0.03% below national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.03% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Dinero Teens Starter Certificate - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Money Musketeers Starter Certificate - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 1 year
$0
2.82%
▼ 0.13% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.13% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
12 Month IRA Roth and Education Certificate
$250
2.75%
▼ 0.20% below national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.20% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 12 Month
$1,000
2.75%
▼ 0.20% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.20% below avg
Details
$1,000
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
12-month CD
$500
2.70%
▼ 0.25% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.25% below avg
Details
FDIC insured up to maximum amount allowed.
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
Featured Rate 12 months
$500
2.70%
▼ 0.25% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.25% below 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
1-Year Share or IRA Certificate
$0
2.52%
▼ 0.43% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.43% below avg
Details
Balance: $80,000 to 100,000
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
1-Year Share or IRA Certificate
$0
2.32%
▼ 0.63% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.63% below 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
1-Year Share or IRA Certificate
$0
2.22%
▼ 0.73% below national avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.73% 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
1-Year Share or IRA Certificate
$0
2.02%
▼ 0.93% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.93% below avg
Details
Balance: $500 to $9,999.99
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4501 W Memorial Rd, Oklahoma City, OK 73142
12 Month Certificate of Deposit
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
1 Year IRA CD
$0
1.50%
▼ 1.45% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
1 Year Standard CD Products
$0
1.50%
▼ 1.45% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Balance: Under $100,000
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
12 Month Certificate
$0
0.75%
▼ 2.20% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.20% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
12 Month IRA Certificate
$0
0.75%
▼ 2.20% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.20% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
12 Month Certificate
$0
0.65%
▼ 2.30% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.30% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
12 Month IRA Certificate
$0
0.65%
▼ 2.30% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.30% below avg
Details
Balance: $0.00 - $74,999.99
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
12 Month Certificates of Deposit
$0
4.84%
▲ 1.89% above national avg
▼
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%
12 Month Certificates of Deposit
$0
4.58%
▲ 1.63% above national avg
▼
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%
12 Month Certificate
$2,000
4.18%
▲ 1.23% above national avg
▼
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%
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.23% above national avg
▼
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%
12 Month CD
$0
4.16%
▲ 1.21% above national avg
▼
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%
12 Month CD
$0
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Oklahoma City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.28%
601 Nw 13th St, Oklahoma City, OK 73103
18-Month CD
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
CD Rate Special!
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
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% 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
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
18 Month Certificates
$200,000
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.58% 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
$0
3.28%
▲ 0.46% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.46% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
18 Month Certificates
$50,000
3.20%
▲ 0.38% above national avg
▼
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
$0
3.18%
▲ 0.36% above national avg
▼
Rate3.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.36% 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
$0
3.07%
▲ 0.25% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.25% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
18 Month Certificate
$0
3.05%
▲ 0.23% above national avg
▼
Rate3.01%
Min Deposit$0
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
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.23% above avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
18 Month IRA Variable Rate Certificate of Deposit
$0
3.04%
▲ 0.22% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
18 Month Certificates
$1,000
3.00%
▲ 0.18% above national avg
▼
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%
1900 Nw Expressway, Oklahoma City, OK 73118
18 Month Certificate
$1,000
2.98%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.16% above avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
18 Month Certificate of Deposit
$0
2.79%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.03% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.31%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
18 Month Share Certificates
$0
2.78%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.04% below avg
Details
Balance: $100,000.00 +
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
7340 W Memorial Rd, Oklahoma City, OK 73142
18 Month Share Certificate
$1,000
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.31%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
18 Month Share Certificates
$0
2.53%
▼ 0.29% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.29% below avg
Details
Balance: $500.00 - $99,999.99
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
18-month CD
$500
2.30%
▼ 0.52% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.52% below avg
Details
FDIC insured up to maximum amount allowed.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
18 Month IRA Roth and Education Certificate
$250
2.05%
▼ 0.77% below national avg
▼
Rate2.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.77% below avg
Details
Variable rate may change after the account is open.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
18 Month Variable CD
$1,000
2.05%
▼ 0.77% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.77% below avg
Details
Variable rate may change after the account is open.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 18 Month Variable
$1,000
2.05%
▼ 0.77% below national avg
▼
Rate2.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.77% below avg
Details
$1,000; Variable rate may change after the account is open.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
18 Month CD
$1,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
18 Month IRA Roth and Education Certificate
$250
1.65%
▼ 1.17% below national avg
▼
Rate1.64%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
18 Month IRA CD
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
18 Month Standard CD Products
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Balance: Under $100,000
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
18 Month Certificate
$0
0.85%
▼ 1.97% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.97% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
18 Month IRA Certificate
$0
0.85%
▼ 1.97% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.97% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
18 Month Certificate
$0
0.75%
▼ 2.07% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.07% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
18 Month IRA Certificate
$0
0.75%
▼ 2.07% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.07% below avg
Details
Balance: $0.00 - $74,999.99
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4501 W Memorial Rd, Oklahoma City, OK 73142
18 Month Certificate of Deposit
$500
0.02%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.30%
▲ 1.48% above national avg
▼
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%
18 Month Certificates of Deposit
$0
4.06%
▲ 1.24% above national avg
▼
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%
18 Month Certificate of Deposit
$0
4.06%
▲ 1.24% above national avg
▼
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%
18 Month CD
$0
4.05%
▲ 1.23% above national avg
▼
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%
18 Month IRA
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Paid: Quarterly
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18 Month Certificates of Deposit (CDs)
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$0
3.96%
▲ 1.14% above national avg
▼
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%
18 Month CD
$0
3.96%
▲ 1.14% above national avg
▼
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%
18 Month IRA
$0
3.87%
▲ 1.05% above national avg
▼
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%
IRA variable 18-month
$0
3.86%
▲ 1.04% above national avg
▼
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%
18-month CD
$0
3.85%
▲ 1.03% above national avg
▼
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%
18 Month Certificate of Deposit
$0
3.85%
▲ 1.03% above national avg
▼
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%
18 Month Jumbo Share Certificates
$0
3.82%
▲ 1.00% above national avg
▼
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%
18 Month Certificates of Deposit
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
$1,000 - $49,999
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month Certificate
$0
3.76%
▲ 0.94% above national avg
▼
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%
18 Month Share Certificates
$1,000
3.75%
▲ 0.93% above national avg
▼
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%
18 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.65%
▲ 0.83% above national avg
▼
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%
18 Month Certificates of Deposit
$2,000
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.67% 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.
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 18 Months
$0
3.45%
▲ 0.63% above national avg
▼
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%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.62% above avg
Details
Oklahoma City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
1900 Nw Expressway, Oklahoma City, OK 73118
24 Month Certificate
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.06% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.80%
▲ 0.96% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.86% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Certificates
$200,000
3.60%
▲ 0.76% above national avg
▼
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
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.59%
▲ 0.75% above national avg
▼
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
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
$0
3.50%
▲ 0.66% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.65% above national avg
▼
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
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.65% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.44%
▲ 0.60% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Certificates
$50,000
3.40%
▲ 0.56% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Roth IRA Certificates
$1,000
3.40%
▲ 0.56% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Traditional IRA Certificates
$1,000
3.40%
▲ 0.56% above national avg
▼
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
$0
3.39%
▲ 0.55% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.55% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
24 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.50% above national avg
▼
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
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)
$0
3.25%
▲ 0.41% above national avg
▼
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)
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Certificates
$1,000
3.20%
▲ 0.36% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
24 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% 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
24 Month Certificate
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
24 Month CD
$1,000
2.95%
▲ 0.11% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.11% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
24 Month CD
$1,000
2.80%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.04% below 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
2-Year Share or IRA Certificate
$0
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.06% below avg
Details
Balance: $80,000 to 100,000
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
7340 W Memorial Rd, Oklahoma City, OK 73142
24 Month Share Certificate
$1,000
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.09% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
24 Month IRA Roth and Education Certificate
$250
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 24 Month
$1,000
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.14% below avg
Details
$1,000
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
2-Year Share or IRA Certificate
$0
2.63%
▼ 0.21% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.21% below 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
2-Year Share or IRA Certificate
$0
2.57%
▼ 0.27% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.27% below avg
Details
Balance: $10,000 to $24,999.99
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
24 Month Certificate of Deposit
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.31% below 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
2-Year Share or IRA Certificate
$0
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.32% below avg
Details
Balance: $500 to $9,999.99
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
2 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
2 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
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
24 Month Certificate
$75,000
1.26%
▼ 1.58% below national avg
▼
Rate1.25%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.58% below 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
24 Month Certificate
$1,000
1.00%
▼ 1.84% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.84% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
24 Month Certificate
$0
0.95%
▼ 1.89% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.89% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
24 Month IRA Certificate
$0
0.95%
▼ 1.89% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.89% below avg
Details
Balance: $75,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
24 Month Certificate
$0
0.85%
▼ 1.99% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.99% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
24 Month IRA Certificate
$0
0.85%
▼ 1.99% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.99% below avg
Details
Balance: $0.00 - $74,999.99
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4501 W Memorial Rd, Oklahoma City, OK 73142
2 Year Certificate of Deposit
$500
0.05%
▼ 2.79% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.79% below avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.30%
▲ 1.46% above national avg
▼
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%
24 Month CD
$0
4.15%
▲ 1.31% above national avg
▼
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%
24 Month IRA
$0
4.15%
▲ 1.31% above national avg
▼
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%
24 Month Certificate of Deposit
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
24 Month Certificates of Deposit (CDs)
$1,000
4.05%
▲ 1.21% above national avg
▼
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%
24-month CD
$0
4.00%
▲ 1.16% above national avg
▼
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%
24 Month Certificate
$2,000
3.97%
▲ 1.13% above national avg
▼
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%
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.13% above national avg
▼
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%
24 Month Certificate of Deposit
$0
3.96%
▲ 1.12% above national avg
▼
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%
24 Month CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
24 Month IRA
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Oklahoma City 36 Month CD Rates
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 - 3 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.14% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.80%
▲ 1.04% above national avg
▼
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
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
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.94% above national avg
▼
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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Certificates
$200,000
3.60%
▲ 0.84% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.59%
▲ 0.83% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.73% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.44%
▲ 0.68% above national avg
▼
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
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Certificates
$50,000
3.40%
▲ 0.64% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Roth IRA Certificates
$1,000
3.40%
▲ 0.64% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Traditional IRA Certificates
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
36 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.58% above national avg
▼
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
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
▼
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%
1900 Nw Expressway, Oklahoma City, OK 73118
36 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% 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
36 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Certificates
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
36 Month CD
$1,000
3.15%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.39% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
36 Month CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6303 Waterford Blvd, Oklahoma City, OK 73118
36 Month Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.14% 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
36 Month Certificate
$1,000
2.85%
▲ 0.09% above national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.09% 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
3-Year Share or IRA Certificate
$0
2.83%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.07% above avg
Details
Balance: $80,000 to 100,000
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
36 Month IRA Roth and Education Certificate
$250
2.80%
▲ 0.04% above national avg
▼
Rate2.76%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.04% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 36 Month
$1,000
2.80%
▲ 0.04% above national avg
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.04% above avg
Details
$1,000
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
3-Year Share or IRA Certificate
$0
2.73%
▼ 0.03% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.03% below 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
3-Year Share or IRA Certificate
$0
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.08% 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
3-Year Share or IRA Certificate
$0
2.63%
▼ 0.13% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.13% below avg
Details
Balance: $500 to $9,999.99
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
36 Month CD
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.26% below avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
36 Month Certificate of Deposit
$0
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.74% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
3 Year IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
3 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
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
36 Month Certificate
$75,000
1.36%
▼ 1.40% below national avg
▼
Rate1.35%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.40% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month Certificate
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.61% below avg
Details
Balance: $225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month IRA Certificate
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.61% below avg
Details
Balance: $225,000.00+
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
36 Month Certificate
$1,000
1.11%
▼ 1.65% below national avg
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.65% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month Certificate
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.66% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month IRA Certificate
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.66% below avg
Details
Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month Certificate
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.71% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
36 Month IRA Certificate
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.71% below avg
Details
Balance: $0.00 - $74,999.99
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4501 W Memorial Rd, Oklahoma City, OK 73142
3 Year Certificate of Deposit
$500
0.05%
▼ 2.71% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40%
▲ 1.64% above national avg
▼
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%
36 Month Certificates of Deposit (CDs)
$1,000
4.25%
▲ 1.49% above national avg
▼
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%
36 Month IRA
$0
4.25%
▲ 1.49% above national avg
▼
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%
36 Month CD
$0
4.15%
▲ 1.39% above national avg
▼
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%
36 Month Certificate of Deposit
$0
4.06%
▲ 1.30% above national avg
▼
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%
36 Month Certificate of Deposit
$0
3.96%
▲ 1.20% above national avg
▼
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)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
36 Month IRA
$0
3.87%
▲ 1.11% above national avg
▼
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%
36 Month Certificate of Deposit
$0
3.85%
▲ 1.09% above national avg
▼
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)
Oklahoma City 48 Month CD Rates
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 - 4 years
$0
4.12%
▲ 1.35% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.35% 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
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.24% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.96%
▲ 1.19% above national avg
▼
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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
815 NW 58th St, Oklahoma City, OK 73118 5912
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.14% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.85%
▲ 1.08% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.75%
▲ 0.98% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
48 Month Certificates
$200,000
3.70%
▲ 0.93% above national avg
▼
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
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.64%
▲ 0.87% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.77% above national avg
▼
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
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
48 Month Certificates
$50,000
3.50%
▲ 0.73% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
48 Month Roth IRA Certificates
$1,000
3.50%
▲ 0.73% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
48 Month Traditional IRA Certificates
$1,000
3.50%
▲ 0.73% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.72% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
48 Month Term Share (Certificate) / IRA
$0
3.39%
▲ 0.62% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
48 Month Certificates
$1,000
3.30%
▲ 0.53% above national avg
▼
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%
1900 Nw Expressway, Oklahoma City, OK 73118
48 Month Certificate
$1,000
3.25%
▲ 0.48% above national avg
▼
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
$0
3.25%
▲ 0.48% above national avg
▼
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%
701 N Broadway Ave, Oklahoma City, OK 73102
48 Month CD
$1,000
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 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
$0
3.03%
▲ 0.26% above national avg
▼
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%
6303 Waterford Blvd, Oklahoma City, OK 73118
48 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
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
▼
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
$0
2.83%
▲ 0.06% above national avg
▼
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
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
$0
2.78%
▲ 0.01% above national avg
▼
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
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
48 Month IRA Roth and Education Certificate
$250
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 48 Month
$1,000
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
$1,000
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
$0
2.73%
▼ 0.04% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.04% below avg
Details
Balance: $500 to $9,999.99
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
48 Month CD
$1,000
2.50%
▼ 0.27% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.27% below avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
48 Month Certificate of Deposit
$0
1.76%
▼ 1.01% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 1.01% below 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
48 Month Certificate
$75,000
1.56%
▼ 1.21% below national avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.21% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
4 Year IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
4 Year Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
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
48 Month Certificate
$75,000
1.46%
▼ 1.31% below national avg
▼
Rate1.45%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.31% below 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
48 Month Certificate
$1,000
1.21%
▼ 1.56% below national avg
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.56% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month Certificate
$0
1.20%
▼ 1.57% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.57% below avg
Details
Balance: $225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month IRA Certificate
$0
1.20%
▼ 1.57% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.57% below avg
Details
Balance: $225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month Certificate
$0
1.15%
▼ 1.62% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.62% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month IRA Certificate
$0
1.15%
▼ 1.62% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.62% below avg
Details
Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month Certificate
$0
1.10%
▼ 1.67% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.67% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
48 Month IRA Certificate
$0
1.10%
▼ 1.67% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.67% below avg
Details
Balance: $0.00 - $74,999.99
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4501 W Memorial Rd, Oklahoma City, OK 73142
4 Year Certificate of Deposit
$500
0.15%
▼ 2.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
48 Month CD
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.38% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.29% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.19% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.08% above national avg
▼
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%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.08% above national avg
▼
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%
48 Month Share Certificates and Over)
$100,000
3.85%
▲ 1.08% above national avg
▼
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%
48 Month IRA
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$1,000
3.75%
▲ 0.98% above national avg
▼
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
Oklahoma City 60 Month CD Rates
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
$0
4.49%
▲ 1.65% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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
$0
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 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
$0
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.44% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
4.00%
▲ 1.16% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.06% above national avg
▼
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
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 1.05% above national avg
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.83%
▲ 0.99% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.95% above national avg
▼
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
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
▼
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%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.85% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.63%
▲ 0.79% above national avg
▼
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1045 NW 49th St, Oklahoma City, OK 73118
60 Month Roth IRA Certificates
$1,000
3.60%
▲ 0.76% above national avg
▼
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%
1045 NW 49th St, Oklahoma City, OK 73118
60 Month Traditional IRA Certificates
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.53%
▲ 0.69% above national avg
▼
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
4626 NW 39th St, Oklahoma City, OK 73122
60 Month Term Share (Certificate) / IRA
$0
3.43%
▲ 0.59% above national avg
▼
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
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
60 Month CD
$1,000
3.25%
▲ 0.41% above national avg
▼
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%
1900 Nw Expressway, Oklahoma City, OK 73118
60 Month Certificate
$1,000
3.25%
▲ 0.41% above national avg
▼
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
$0
3.25%
▲ 0.41% above national avg
▼
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
$0
3.09%
▲ 0.25% above national avg
▼
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
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% 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
$0
3.03%
▲ 0.19% above national avg
▼
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
$0
3.00%
▲ 0.16% above national avg
▼
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%
701 N Broadway Ave, Oklahoma City, OK 73102
60 Month IRA Roth and Education Certificate
$250
2.95%
▲ 0.11% above national avg
▼
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%
701 N Broadway Ave, Oklahoma City, OK 73102
CDs Minimum - 60 Month
$1,000
2.95%
▲ 0.11% above national avg
▼
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%
6303 Waterford Blvd, Oklahoma City, OK 73118
60 Month Certificate
$0
2.95%
▲ 0.11% above national avg
▼
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
$0
2.93%
▲ 0.09% above national avg
▼
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
$0
2.83%
▼ 0.01% below national avg
▼
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
$0
2.78%
▼ 0.06% below national avg
▼
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
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
60 Month CD
$1,000
2.50%
▼ 0.34% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
5 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
499 W Sheridan Ave, Oklahoma City, OK 73102
5 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
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
60 Month Certificate
$1,000
1.31%
▼ 1.53% below national avg
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.53% below avg
Details
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month Certificate
$0
1.25%
▼ 1.59% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.59% below avg
Details
Balance: $225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month IRA Certificate
$0
1.25%
▼ 1.59% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.59% below avg
Details
Balance: $225,000.00+
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month Certificate
$0
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.64% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month IRA Certificate
$0
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.64% below avg
Details
Balance: $75,000.00 - $224,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month Certificate
$0
1.15%
▼ 1.69% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.69% below avg
Details
Balance: $0.00 - $74,999.99
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
60 Month IRA Certificate
$0
1.15%
▼ 1.69% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.69% below avg
Details
Balance: $0.00 - $74,999.99
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
4.06%
▲ 1.22% above national avg
▼
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%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.17% above national avg
▼
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%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.17% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
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%
60 Month Share Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
60 Month IRA
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.92% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
60 Month Certificate (5 Year)
$0
3.66%
▲ 0.82% above national avg
▼
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%
60 Month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60 Month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.76% above national avg
▼
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%
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.76% above national avg
▼
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Oklahoma City, OK CD Rate Trends
Compare local Oklahoma City, 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
2.952%
▲ 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%
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What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $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 22, 2026. | |||||
Sample CD Ladder for Oklahoma City, 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 | 2.065% | $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 City, Oklahoma
Tracked in Oklahoma City, Oklahoma
46 Banks
28 Credit Unions
About Our Oklahoma City, Oklahoma CD Rate Database
MonitorBankRates tracks 642 CD rates from 46 banks and 28 credit unions with locations in Oklahoma City, 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: ADVANCIAL offers a CD at 4.49% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Oklahoma City, Oklahoma.
How to Find the Best CD Rates in Oklahoma City, Oklahoma
What to compare when shopping for a CD in Oklahoma City, Oklahoma
To find the best APYs in Oklahoma City, Oklahoma, start with credit unions and online-only banks: Oklahoma City, 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 City, 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 City, Oklahoma: 74 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Oklahoma City, 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 City, Oklahoma money market rates
Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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 City, 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 City, 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 City, 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 City, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Oklahoma City, 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 City, Oklahoma savers easier access to their funds. For example, Regent Bank (OK) is offering its 6 Month Certificate at 4.05% 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 City, 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 City, 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 City, 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 City, 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 City, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Oklahoma City, 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 City, Oklahoma
Are CD rates in Oklahoma City, Oklahoma FDIC insured?
Yes, most established banks in Oklahoma City, 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 City, 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 City, 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 City, 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 City, Oklahoma?
Here are recent top rates found for this area:
- ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- Regent Bank (OK): 4.05% APY (12 Month Certificate)
- Tinker Federal Credit Union: 4.00% APY (60 Month Term Share (Certificate) / IRA)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Certificate)
- Great Plains National Bank: 4.00% APY (18-Month CD)
- The Focus Federal Credit Union: 4.00% APY (12 Month Certificate)
- Mercy Credit Union: 4.00% APY (18 Month Certificates of Deposit)
- First Liberty Bank: 3.90% APY (12 Month CD (also IRA))
- Municipal Employees Credit Union of Oklahoma City: 3.80% APY (12 Month Certificate)
- First Enterprise Bank: 3.75% APY (6 Month CD)
Rates reflect recent verified offers available in Oklahoma City, Oklahoma. Last Updated: September 22, 2026
Oklahoma City, 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 City, Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oklahoma City, Oklahoma
Oklahoma City, Oklahoma CD Calculator
At today’s OK top rate of 4.49% APY, a $10,000 deposit earns $449 in the first year. Enter your amount to see your exact return.
Oklahoma City, Oklahoma CD LadderOK 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 PenaltyBefore locking into a Oklahoma City, Oklahoma CD at 4.49% 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 2.952% 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 City, 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 City, 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 City, 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 22, 2026
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