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Tulsa, Oklahoma Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
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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 Tulsa, Oklahoma CD rates include MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, First Pryority BankFirst Pryority Bank10632 S Memorial Dr, Tulsa, OK 74133A-5.0 ★Texas Ratio: 14.96%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month Certificates of Deposit (CDs) at 4.25% APY, Lifetime Federal Credit UnionLifetime Federal Credit Union1400 S Boston Ave, Tulsa, OK 74119 3612A+5.0 ★Texas Ratio: 3.06%Real return: +1.38%APY minus CPI (February 2026) offering 12 Month Certificate at 4.18% APY, Encentus Federal Credit UnionEncentus Federal Credit Union1320 S Lewis Ave, Tulsa, OK 74104 4205A+5.0 ★Texas Ratio: 4.29%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Jumbo Share Certificates at 4.08% APY, and Regent Bank (OK)Regent Bank (OK)7136 S Yale Ave, Tulsa, OK 74136C+4.2 ★Texas Ratio: 25.22%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month Certificate at 4.05% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Tulsa has 284 local institutions in our database, with CD rates as high as 4.40% APY from MapleMark Bank at 2431 E 61st St, Tulsa, OK 74136. 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 Tulsa, Oklahoma & the Surrounding Area
Tulsa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month Certificate Special
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
4200 E Skelly Dr, Tulsa, OK 74135
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
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.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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%
8920 E 61st St, Tulsa, OK 74133
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%
3720 E 31st St, Tulsa, OK 74135
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
90 Day Certificates of Deposit
$2,000
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.98% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month CD
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
3 Month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.89% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.89% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.89% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.89% above avg
Details
Term: 3-month Jumbo Certificate
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
3 Month IRA Certificate
$1,000
2.90%
▲ 0.84% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.84% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Certificate
$1,000
2.90%
▲ 0.84% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.84% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
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
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
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%
445 S Lewis Ave, Tulsa, OK 74104
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%
10632 S Memorial Dr, Tulsa, OK 74133
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
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 3 Month
$0
1.13%
▼ 0.93% below national avg
▼
Rate1.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.93% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
3 Month Share Certificates
$0
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
90 Day Certificate
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.56% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
90 Day Certificate
$0
0.40%
▼ 1.66% below national avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.66% below avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
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%
1 Williams Ctr, Tulsa, OK 74172
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
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%
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.
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
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
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
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
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
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
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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
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
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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
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%
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
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
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%
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
Tulsa 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%
7136 S Yale Ave, Tulsa, OK 74136
6 Month Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
6 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
6 Month Jumbo IRA Certificate
$100,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Term: 6-month Jumbo Certificate
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
IRA Certificate 6 Months
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
6 Month Certificates of Deposit (CDs)
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
1500 S Utica Ave, Tulsa, OK 74104
6-month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
New Money; Open now; Open in branch
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
6 Month IRA Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Certificate
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
6 Month Term Share (Certificate) / IRA
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Early Withdrawal Penalty: 90 Days
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
4106 S Rockford Ave, Tulsa, OK 74105
6-month CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.84% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month Certificate Special
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.84% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
6 Month Term Share (Certificate) / IRA
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Early Withdrawal Penalty: 90 Days
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
1500 S Utica Ave, Tulsa, OK 74104
6-month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
New Money; Open now; Open in branch
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
6 Month CD
$500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Annual Percentage Yield.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
6 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
6 Month Term Share (Certificate) / IRA
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Early Withdrawal Penalty: 90 Days
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
4200 E Skelly Dr, Tulsa, OK 74135
6-Month CD
$1,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$200,000
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
6 Month Term Share (Certificate) / IRA
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.53% above avg
Details
Early Withdrawal Penalty: 90 Days
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1400 S Boston Ave, Tulsa, OK 74119 3612
6 Month Certificate
$2,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
6 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$1,000
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%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$50,000
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
6 Month Term Share (Certificate) / IRA
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.38% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 90 Days
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month CD
$1,000
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.34% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
6 Month Share Certificate Account
$0
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.27% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$1,000
2.95%
▲ 0.19% above national avg
▼
Rate2.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.19% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business Certificate of Deposit - 6 Month
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Certificate of Deposit - 6 Month
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.00%
9200 E 41st St, Tulsa, OK 74145
6 Month Term Share Certificates
$0
2.12%
▼ 0.64% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.64% below avg
Details
Balance: $500-$94,999
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
180 Day Certificate
$0
1.76%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.00% below avg
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
10832 E 31st St, Tulsa, OK 74146
6-Month Certificate
$10,000
1.76%
▼ 1.00% below national avg
▼
Rate1.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.00% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 6 Month
$0
1.54%
▼ 1.22% below national avg
▼
Rate1.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.22% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
180 Day 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
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
6 Month 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
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
6 Month Share Certificates
$0
1.41%
▼ 1.35% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.35% below avg
Details
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
6 Month Certificate
$0
0.80%
▼ 1.96% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.96% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
180 Day Certificate
$0
0.75%
▼ 2.01% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 2.01% below avg
Details
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10%
▲ 2.34% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 2.34% 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%
▲ 2.08% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 2.08% 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%
▲ 1.54% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.54% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% 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.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 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
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6 Month WSB Traditional CDs
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.19% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month CD
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.09% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Certificate
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
6 Month CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% 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%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Interest Paid: Quarterly
Tulsa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1400 S Boston Ave, Tulsa, OK 74119 3612
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%
1400 S Boston Ave, Tulsa, OK 74119 3612
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
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
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
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
12 Month Jumbo Share Certificates
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.13% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
12 Month Certificate
$1,000
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
12 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
4106 S Rockford Ave, Tulsa, OK 74105
12-month CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month Certificate Special
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
12 Month Jumbo IRA Certificate
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Term: 12-month Jumbo Certificate
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
IRA Certificate 12 Months
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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 Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
12 Month Certificates of Deposit (CDs)
$1,000
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.60% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
12 Month IRA Certificate
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Certificate
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
12 Month Certificates of Deposit
$2,000
3.49%
▲ 0.54% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.54% 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.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
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%
3720 E 31st St, Tulsa, OK 74135
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%
6120 S Yale Ave, Tulsa, OK 74136
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%
6120 S Yale Ave, Tulsa, OK 74136
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%
8920 E 61st St, Tulsa, OK 74133
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
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
12 Month Share Certificate Account
$0
3.29%
▲ 0.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.34% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month CD
$1,000
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.30% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
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
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business Certificate of Deposit - 12 Month
$1,000
2.85%
▼ 0.10% below national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.10% below avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Certificate of Deposit - 12 Month
$1,000
2.85%
▼ 0.10% below national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.10% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
1 Year CVRTH IRA
$1,000
2.75%
▼ 0.20% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.20% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
1 Year Roth IRA
$1,000
2.75%
▼ 0.20% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.20% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
12 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.35% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.35% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
1 Year Education IRA
$1,000
2.50%
▼ 0.45% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.45% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
IRA 1 Year Certificate
$1,000
2.50%
▼ 0.45% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.45% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
1 Year Certificate
$1,000
2.25%
▼ 0.70% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.70% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 12 Month
$0
2.15%
▼ 0.80% below national avg
▼
Rate2.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.80% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
12 Month Share Certificates
$0
2.02%
▼ 0.93% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 0.93% below avg
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
10832 E 31st St, Tulsa, OK 74146
1-Year Certificate
$1,000
1.96%
▼ 0.99% below national avg
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.99% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
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%
1 Williams Ctr, Tulsa, OK 74172
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
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
12 Month Certificate
$0
1.00%
▼ 1.95% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 1.95% below avg
Details
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
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
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.11%
▲ 1.16% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.16% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of deposit - 12 Months
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month IRA
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Interest Paid: Quarterly
Tulsa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
18 Month Certificates of Deposit (CDs)
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.19% above avg
Details
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
IRA variable 18-month
$0
3.86%
▲ 1.05% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.05% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
4106 S Rockford Ave, Tulsa, OK 74105
18-month CD
$0
3.85%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.04% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
18 Month Jumbo Share Certificates
$0
3.82%
▲ 1.01% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.01% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
18 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.65%
▲ 0.84% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.84% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
18 Month Certificates of Deposit
$2,000
3.49%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.68% 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%
1320 S Lewis Ave, Tulsa, OK 74104 4205
IRA Certificate 18 Months
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.64% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
18 Month Certificates
$200,000
3.40%
▲ 0.59% above national avg
▼
Rate3.36%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.59% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
18 Month CD
$1,000
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.49% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
18 Month Jumbo Certificate
$100,000
3.20%
▲ 0.39% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.39% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Jumbo Certificate
$100,000
3.20%
▲ 0.39% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.39% above avg
Details
Term: 18-month Jumbo Certificate
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
18 Month Certificates
$50,000
3.20%
▲ 0.39% above national avg
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.39% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
18 Month Certificate
$1,000
3.15%
▲ 0.34% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.34% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Certificate
$1,000
3.15%
▲ 0.34% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.34% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
18 Month Certificate
$0
3.05%
▲ 0.24% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.24% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.24% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.24% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.24% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.24% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
18 Month Certificates
$1,000
3.00%
▲ 0.19% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.19% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
18 Month Certificate
$1,000
2.98%
▲ 0.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.17% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business Certificate of Deposit - 18 Month
$1,000
2.90%
▲ 0.09% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.09% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Certificate of Deposit - 18 Month
$1,000
2.90%
▲ 0.09% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.09% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
18 Month IRA Variable
$250
2.75%
▼ 0.06% below national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.06% below avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 18 Month IRA Variable
$250
2.75%
▼ 0.06% below national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.06% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
18 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.21% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▼ 0.21% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
18 Month Certificate
$1,000
2.50%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 0.31% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 18 Month
$0
2.45%
▼ 0.36% below national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 0.36% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
18 Month Share Certificates
$0
2.32%
▼ 0.49% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 0.49% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
18 Month Certificate
$0
2.26%
▼ 0.55% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▼ 0.55% below avg
Details
comp semi-annually
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
18 Month IRA CD
$0
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
18 Month Standard CD Products
$0
1.50%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.31% below avg
Details
Balance: Under $100,000
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
4.06%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.25% 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%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.25% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month CD
$0
4.05%
▲ 1.24% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.24% 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%
▲ 1.24% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.24% above avg
Details
Interest Paid: Quarterly
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.28%
18-Month CD
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
CD Rate Special!
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
18 Month Certificates of Deposit
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$0
3.96%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.15% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
18 Month CD
$0
3.96%
▲ 1.15% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.15% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month IRA
$0
3.87%
▲ 1.06% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.06% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.04% above avg
Details
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
$1,000 - $49,999
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month Certificate
$1,000
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month Certificate
$0
3.76%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.95% 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%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.63% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.63% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.47% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.47% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month IRA Certificates
$0
3.24%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.43% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates
$0
3.24%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.43% above avg
Details
Tulsa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
24 Month Certificate
$1,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.22% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
24 Month Certificates of Deposit (CDs)
$1,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.22% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
4106 S Rockford Ave, Tulsa, OK 74105
24-month CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.17% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1400 S Boston Ave, Tulsa, OK 74119 3612
24 Month Certificate
$2,000
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.14% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.14% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
Early Withdrawal Penalty: 180 Days
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month Certificate Special
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.02% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details
Early Withdrawal Penalty: 180 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.87% above avg
Details
Early Withdrawal Penalty: 180 Days
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
24 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.77% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
24 Month Certificates
$200,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.59%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.76% above avg
Details
Early Withdrawal Penalty: 180 Days
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
24 Month Jumbo Share Certificates
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
24 Month Certificates of Deposit
$2,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.72% 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.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.66% above avg
Details
Early Withdrawal Penalty: 180 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.44%
▲ 0.61% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.61% above avg
Details
Early Withdrawal Penalty: 180 Days
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24 Month Jumbo IRA Certificate
$100,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Boost Certificate
$100,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Jumbo Certificate
$100,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
Term: 24-month Jumbo Certificate
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
24 Month Certificates
$50,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
24 Month Roth IRA Certificates
$1,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
24 Month Traditional IRA Certificates
$1,000
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month CD
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.52% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.51% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.51% above avg
Details
Early Withdrawal Penalty: 180 Days
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
24 Month Share Certificate Account
$0
3.34%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.51% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
24 Month Certificates
$1,000
3.20%
▲ 0.37% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.37% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24 Month Certificate
$1,000
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.27% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Boost Certificate
$1,000
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.27% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Certificate
$1,000
3.10%
▲ 0.27% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.27% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
IRA Certificate 24 Months
$0
3.05%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.22% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
24 Month Certificate
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.17% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business Certificate of Deposit - 24 Month
$1,000
2.95%
▲ 0.12% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.12% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Certificate of Deposit - 24 Month
$1,000
2.95%
▲ 0.12% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.12% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 24 Month
$0
2.76%
▼ 0.07% below national avg
▼
Rate2.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.07% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
24 Month Share Certificates
$0
2.63%
▼ 0.20% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.20% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
24 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.23% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.23% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
24 Month Certificate
$0
2.52%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.31% below avg
Details
comp semi-annually
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
2 Year CVRTH IRA
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.33% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
2 Year Education IRA
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.33% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
2 Year Roth IRA
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.33% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
IRA 2 Year Certificate
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.33% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
24 Month Certificate
$0
2.36%
▼ 0.47% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.47% below avg
Details
comp semi-annually
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
2 Year Certificate
$1,000
2.25%
▼ 0.58% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▼ 0.58% below avg
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
10832 E 31st St, Tulsa, OK 74146
2-Year Certificate
$1,000
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▼ 1.07% below avg
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
10832 E 31st St, Tulsa, OK 74146
IRA 2-Year Certificate
$1,000
1.76%
▼ 1.07% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▼ 1.07% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
2 Year IRA CD
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
2 Year Standard CD Products
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Balance: Under $100,000
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
24 Month Certificate
$0
1.10%
▼ 1.73% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.73% below avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month CD
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.32% above avg
Details
Interest Paid: Quarterly
Tulsa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▲ 1.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.65% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
36 Month Certificates of Deposit (CDs)
$1,000
4.25%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.50% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.15% above avg
Details
Early Withdrawal Penalty: 240 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.05% above avg
Details
Early Withdrawal Penalty: 240 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.95% above avg
Details
Early Withdrawal Penalty: 240 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
36 Month Certificates
$200,000
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.59%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.84% above avg
Details
Early Withdrawal Penalty: 240 Days
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
36 Month Certificates of Deposit
$2,000
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.80% 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.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
36 Month Share Certificate Account
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.80% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
36 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.74% above avg
Details
Early Withdrawal Penalty: 240 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.44%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.69% above avg
Details
Early Withdrawal Penalty: 240 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
36 Month Certificates
$50,000
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
36 Month Roth IRA Certificates
$1,000
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
36 Month Traditional IRA Certificates
$1,000
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
36 Month Jumbo IRA Certificate
$100,000
3.35%
▲ 0.60% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.60% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Jumbo Certificate
$100,000
3.35%
▲ 0.60% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.60% above avg
Details
Term: 36-month Jumbo Certificate
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.59% above avg
Details
Early Withdrawal Penalty: 240 Days
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
36 Month IRA Certificate
$1,000
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.55% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Certificate
$1,000
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.55% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
36 Month Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.50% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
36 Month IRA Fixed
$250
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.45% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 36 Month IRA Fixed
$250
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.45% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
36 Month Certificates
$1,000
3.20%
▲ 0.45% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.45% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 36 Month
$0
3.17%
▲ 0.42% above national avg
▼
Rate3.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.42% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business Certificate of Deposit - 36 Month
$1,000
3.05%
▲ 0.30% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.30% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Certificate of Deposit - 36 Month
$1,000
3.05%
▲ 0.30% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.30% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1320 S Lewis Ave, Tulsa, OK 74104 4205
IRA Certificate 36 Months
$0
3.05%
▲ 0.30% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.30% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
36 Month Share Certificates
$0
3.04%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.29% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
36 Month Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.15% above avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
36 Month Certificate
$0
2.77%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.02% above avg
Details
comp semi-annually
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
36 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.15% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.15% below avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
7646 E 61st St, Tulsa, OK 74133
36 Month Certificate
$0
2.52%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.23% below avg
Details
comp semi-annually
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
36 Month CD
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.25% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
3 Year CVRTH IRA
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.25% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
3 Year Education IRA
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.25% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
3 Year Roth IRA
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.25% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
IRA 3 Year Certificate
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.25% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
10110 E 11th St, Tulsa, OK 74128
3 Year Certificate
$1,000
2.25%
▼ 0.50% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▼ 0.50% below avg
Details
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
10832 E 31st St, Tulsa, OK 74146
3-Year Certificate
$1,000
1.61%
▼ 1.14% below national avg
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▼ 1.14% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
3 Year IRA CD
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
3 Year Standard CD Products
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.25% below avg
Details
Balance: Under $100,000
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
3 Year Certificate
$0
1.15%
▼ 1.60% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 1.60% below avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month IRA
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.50% 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%
▲ 1.40% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.40% 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%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.31% 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%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.21% above avg
Details
Term: 36 Month (Escalator CD)
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
36 Month IRA
$0
3.87%
▲ 1.12% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.12% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Certificate of Deposit
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Term: 36 Month (Escalator CD)
Tulsa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.96%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.20% above avg
Details
Early Withdrawal Penalty: 300 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Early Withdrawal Penalty: 300 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Early Withdrawal Penalty: 300 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
48 Month Certificates
$200,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.64%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.88% above avg
Details
Early Withdrawal Penalty: 300 Days
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
48 Month Certificates of Deposit
$2,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% 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.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
48 Month Share Certificate Account
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.78% above avg
Details
Early Withdrawal Penalty: 300 Days
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
48 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48 Month Jumbo IRA Certificate
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Term: 48-month Jumbo Certificate
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
48 Month Certificates
$50,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
48 Month Roth IRA Certificates
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
48 Month Traditional IRA Certificates
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 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: 300 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.39%
▲ 0.63% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.63% above avg
Details
Early Withdrawal Penalty: 300 Days
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
48 Month Certificates
$1,000
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
48 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48 Month IRA Certificate
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Boost Certificate
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Certificate
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
48 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
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
48 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.16% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.16% below avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
48 Month CD
$1,000
2.40%
▼ 0.36% below national avg
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.36% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
4 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%
1 Williams Ctr, Tulsa, OK 74172
4 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
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
4 Year Certificate
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.61% below avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
48 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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.36% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 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
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.20% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 4 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
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% 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%
▲ 1.09% above national avg
▼
Rate3.79%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
$100,000
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
48 Month IRA
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.06% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
$1,000 - $99,999
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
48 Month Certificate (4 Year)
$0
3.72%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.96% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
48 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.94% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$100,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month IRA Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.64% above avg
Details
Published APY range: 3.40%/3.45%. Balance: $100,000 - <$250,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Published APY range: 3.35%/3.40%. Balance: $10,000 - <$25,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.54% above avg
Details
Published APY range: 3.30%/3.35%. Balance: $1,500 - <$10,000
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
48 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
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
48 Month CD
$1,000
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
Tulsa 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Early Withdrawal Penalty: 360 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
Early Withdrawal Penalty: 360 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.06% above avg
Details
Early Withdrawal Penalty: 360 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.83%
▲ 1.00% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.00% 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%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.96% above avg
Details
Early Withdrawal Penalty: 360 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.86% above avg
Details
Early Withdrawal Penalty: 360 Days
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.63%
▲ 0.80% above national avg
▼
Rate3.53%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.80% above avg
Details
Early Withdrawal Penalty: 360 Days
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
60 Month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Term: 60-month Jumbo Certificate
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
60 Month Roth IRA Certificates
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3720 E 31st St, Tulsa, OK 74135
60 Month Traditional IRA Certificates
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.77% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
60 Month Certificates of Deposit
$2,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.72% 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.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1120 W 17th St, Tulsa, OK 74107
60 Month Share Certificate Account
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.53%
▲ 0.70% above national avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.70% above avg
Details
Early Withdrawal Penalty: 360 Days
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
60 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.67% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.43%
▲ 0.60% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.60% above avg
Details
Early Withdrawal Penalty: 360 Days
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
60 Month IRA Certificate
$1,000
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.47% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Certificate
$1,000
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.47% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
7136 S Yale Ave, Tulsa, OK 74136
60 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.42% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6120 S Yale Ave, Tulsa, OK 74136
60 Month Certificate
$0
2.95%
▲ 0.12% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.12% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month CD
$1,000
2.75%
▼ 0.08% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.08% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
60 Month Certificates of Deposit (CD)
$0
2.60%
▼ 0.23% below national avg
▼
Rate2.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.23% below avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
60 Month Certificates of Deposit (CDs)
$1,000
2.55%
▼ 0.28% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.28% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
5 Year IRA CD
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1 Williams Ctr, Tulsa, OK 74172
5 Year Standard CD Products
$0
1.50%
▼ 1.33% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.33% below avg
Details
Balance: Under $100,000
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
5 Year Certificate
$0
1.29%
▼ 1.54% below national avg
▼
Rate1.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.54% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.66% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.56% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.56% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.23% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.18% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.18% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.13% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$100,000
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month IRA Certificates
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
60 Month IRA
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.93% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 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%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.83% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
60 Month CD
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.82% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.62% above avg
Details
Published APY range: 3.45%/3.51%. Balance: $100,000 - <$250,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.57% above avg
Details
Published APY range: 3.40%/3.45%. Balance: $10,000 - <$25,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.35%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.52% above avg
Details
Published APY range: 3.35%/3.40%. Balance: $1,500 - <$10,000
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
60 Month CD
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.42% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
60 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.42% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5-Year Share or IRA Certificate
$0
3.09%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.26% above avg
Details
Balance: $80,000 to $100,000
True Sky Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 6.82%
5 year SCA
$0
3.05%
▲ 0.22% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.22% above avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
60 Month WSB Traditional CDs
$1,000
3.03%
▲ 0.20% above national avg
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.20% above avg
Details
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
60 Month Certificate
$0
3.03%
▲ 0.20% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.83%▲ 0.20% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
60 Month CD
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
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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.
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Tulsa, OK CD Rate Trends
Compare local Tulsa, 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
2.945%
▲ 0.004 vs 7 days ago
Oklahoma 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD OK Avg
2.760%
Unchanged vs 7 days ago
Oklahoma 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
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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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| 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 Tulsa, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
638
CD Rates
Tracked in Tulsa, Oklahoma
Tracked in Tulsa, Oklahoma
46 Banks
28 Credit Unions
About Our Tulsa, Oklahoma CD Rate Database
MonitorBankRates tracks 638 CD rates from 46 banks and 28 credit unions with locations in Tulsa, Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: MapleMark Bank offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tulsa, Oklahoma.
How to Find the Best CD Rates in Tulsa, Oklahoma
What to compare when shopping for a CD in Tulsa, Oklahoma
To find the best APYs in Tulsa, Oklahoma, start with credit unions and online-only banks: Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma: 74 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tulsa, 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 Tulsa, Oklahoma money market rates
Tulsa, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.3%
National avg: 17.3%
Median Individual Earnings
$37,238
National avg: $47,340
Poverty Rate
18.7%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At OK 12-mo avg 2.945% APY
15.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 2.945%, saving 10% of the local median salary ($3,723/year) and putting it in a CD would earn an additional $110 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Tulsa, 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 Tulsa, 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, Tinker Federal Credit Union is offering its 60 Month Term Share (Certificate) / IRA at 4.00% 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tulsa, 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 Tulsa, Oklahoma
Are CD rates in Tulsa, Oklahoma FDIC insured?
Yes, most established banks in Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma?
Here are recent top rates found for this area:
- MapleMark Bank: 4.40% APY (36 Month CD)
- First Pryority Bank: 4.25% APY (36 Month Certificates of Deposit (CDs))
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- Encentus Federal Credit Union: 4.08% APY (12 Month Jumbo Share Certificates)
- Regent Bank (OK): 4.05% APY (12 Month Certificate)
- Tinker Federal Credit Union: 4.00% APY (60 Month Term Share (Certificate) / IRA)
- First Oklahoma Bank: 4.00% APY (24-month CD)
- OCB Oklahoma Capital Bank: 4.00% APY (6 Month CERTIFICATES OF DEPOSIT & IRAS)
- SpiritBank: 3.86% APY (IRA variable 18-month)
- Vast Bank: 3.85% APY (24 Month Certificate Special)
Rates reflect recent verified offers available in Tulsa, Oklahoma. Last Updated: September 22, 2026
Tulsa, 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 Tulsa, Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Tulsa, Oklahoma
Tulsa, Oklahoma CD Calculator
At today’s OK top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Tulsa, Oklahoma CD LadderOK CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tulsa, Oklahoma CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 2.945% 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 Tulsa, 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 Tulsa, 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 Tulsa, 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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