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CD Rate Trends

Oklahoma Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Oklahoma CD rates range from 0.05% to 4.87% APY, verified by MonitorBankRates as of October 23, 2026. Current Oklahoma CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union815 NW 58th St, Oklahoma City, OK 73118 5912A5.0 ★Texas Ratio: 12.30%Real return: +1.17%APY minus CPIRate verified Oct 19, 2026 offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, Legacy Bank Hinton, OKLegacy Bank Hinton, OK101 W Main St, Hinton, OK 73047B-4.4 ★Texas Ratio: 22.58%Real return: +0.97%APY minus CPIRate verified Oct 22, 2026 offering IRA 18 Month Variable at 4.67% APY, The Community State BankThe Community State Bank405 Us Highway 271, Wister, OK 74966A+5.0 ★Texas Ratio: 3.71%Real return: +0.85%APY minus CPIRate verified Oct 22, 2026 offering 6 Month CD at 4.55% APY, MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +0.80%APY minus CPIRate verified Oct 20, 2026 offering 18 Month CD at 4.50% APY, and First Oklahoma BankFirst Oklahoma Bank100 S Riverfront Dr, Jenks, OK 74037A+5.0 ★Texas Ratio: 2.71%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering 18-month CD at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Oklahoma side-by-side. Oklahoma CD rates currently reach as high as 4.87% APY from Advancial Federal Credit Union at 815 NW 58th St, Oklahoma City, OK 73118 5912. 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: October 23, 2026

Compare Best CD Rates in Oklahoma

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Oklahoma 3 Month CD Rates

MonitorBankRates Oklahoma Average · 3 Month CD2.36% APY▼ 0.08% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in Oklahoma is 2.36% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
220 W 7th St, Tulsa, OK 74119
3 Month Share Certificate
$0
4.25% ▲ 1.89% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.89% above avgNationally 2.13%
Details

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 25, 2026: 3.50% APYOct 23, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
13401 N Pennsylvania Ave, Oklahoma City, OK 73120
3-Month CD
$1,000
4.00% ▲ 1.64% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details

Interest credited At Maturity; Account maximum $500,000; FDIC insured

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00% ▲ 1.64% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details

Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.64% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
CD - 3 Month
$0
3.92% ▲ 1.56% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.56% above avgNationally 2.13%
Details

Minimum $75,000.00 Terms tier

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 25, 2026: 3.41% APYOct 23, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.49% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.49% above avgNationally 2.13%
Details

Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.75% ▲ 1.39% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.39% above avgNationally 2.13%
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
CD - 3 Month
$0
3.67% ▲ 1.31% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.31% above avgNationally 2.13%
Details

Balance: $20,000.00 Minimum

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
2.91%3.54%4.17%Sep 25, 2026: 3.41% APYOct 23, 2026: 3.67% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.67%▲ from 3.41%
  • Sep 25, 20263.41%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.65% ▲ 1.29% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.29% above avgNationally 2.13%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 22, 2026: 3.65% APYOct 22, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
3 Month (90 Day) CD
$1,000
3.60% ▲ 1.24% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.24% above avgNationally 2.13%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
3 Month CD
$0
3.55% ▲ 1.19% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.19% above avgNationally 2.13%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 22, 2026: 3.55% APYOct 22, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
3 Month Certificates of Deposit
$0
3.50% ▲ 1.14% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details

Minimum Balance $500

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
CD - 3 months
$0
3.50% ▲ 1.14% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month IRA Certificate Special
$1,000
3.50% ▲ 1.14% above Oklahoma avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details

CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificate
$200,000
3.50% ▲ 1.14% above Oklahoma avg
View
▼
Rate3.46%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 18, 2026: 3.25% APYSep 26, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.50%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.41% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 6 times
2.91%3.41%3.91%Sep 18, 2026: 3.41% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share Certificate
$0
3.41% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
3 Month CD
$0
3.41% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details

Minimum $500.00 Terms

Rate History
No change since Oct 12, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
3 Month Share Certificates
$0
3.41% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details

Balance: $100,000 and Over

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 25, 2026
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% ▲ 1.04% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.04% above avgNationally 2.13%
Details

Penalty for early withdrawal applies; many interest payment options available

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 Month Certificates of Deposit
$50,000
3.35% ▲ 0.99% above Oklahoma avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.30% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share Certificate
$0
3.30% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 60 Days

Rate History
2 changes since Sep 24, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.26%
2.76%3.28%3.80%Sep 24, 2026: 3.30% APYOct 14, 2026: 3.26% APYOct 20, 2026: 3.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.30%▲ from 3.26%
  • Oct 14, 20263.26%▼ from 3.30%
  • Sep 24, 20263.30%first recorded
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
1111 S Muskogee Ave, Tahlequah, OK 74464
3 Month Certificates of Deposit
$1,000
3.30% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
3 Month Share Certificates
$0
3.30% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details

Balance: $1,000 - $99,999

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificate
$50,000
3.30% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 18, 2026: 3.05% APYSep 26, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.30%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
3 Month Jumbo CD
$100,000
3.25% ▲ 0.89% above Oklahoma avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.89% above avgNationally 2.13%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 3 Month
$1,000
3.25% ▲ 0.89% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.89% above avgNationally 2.13%
Details

APY will vary based on the daily balance maintained; Early withdrawal penalty: 1% for terms of 12 months or less

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.20% ▲ 0.84% above Oklahoma avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.84% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share Certificate
$0
3.20% ▲ 0.84% above Oklahoma avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.84% above avgNationally 2.13%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 25, 2026
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
121 W Broadway, Vici, OK 73859
3 Month Certificate
$0
3.15% ▲ 0.79% above Oklahoma avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▲ 0.79% above avgNationally 2.13%
Details

Rates effective 07/15/2025

Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 11 times
2.65%3.15%3.65%Sep 11, 2026: 3.15% APYSep 11, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
3.10% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share Certificate
$0
3.10% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
Details

Balance tier: $10,000; Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
3 Month Certificate
$1,000
3.10% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
2.35%2.98%3.60%Sep 18, 2026: 2.85% APYSep 26, 2026: 3.10% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.10%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 90 Days
$2,000
3.04% ▲ 0.68% above Oklahoma avg
View
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▲ 0.68% above avgNationally 2.13%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 20, 2026: 3.04% APYOct 20, 2026Oct 25, 2026
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% ▲ 0.64% above Oklahoma avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.64% above avgNationally 2.13%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 3 Months
$0
3.00% ▲ 0.64% above Oklahoma avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 0.64% above avgNationally 2.13%
Details

Dividend Rate: 2.960%

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo Certificate
$100,000
2.95% ▲ 0.59% above Oklahoma avg
View
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.59% above avgNationally 2.13%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo IRA Certificate
$100,000
2.95% ▲ 0.59% above Oklahoma avg
View
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.59% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share (Certificate) / IRA
$0
2.94% ▲ 0.58% above Oklahoma avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.58% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 6 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Month Term Share Certificate IRA
$0
2.94% ▲ 0.58% above Oklahoma avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.58% above avgNationally 2.13%
Details

IRA Only; Balance tier: $500; Early Withdrawal Penalty: 60 Days

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 8 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Certificate
$1,000
2.90% ▲ 0.54% above Oklahoma avg
View
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.54% above avgNationally 2.13%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
3-month IRA Certificate
$1,000
2.90% ▲ 0.54% above Oklahoma avg
View
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.54% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
Certificate of Deposit - 3 Month
$1,000
2.75% ▲ 0.39% above Oklahoma avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.39% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
1.75%2.50%3.25%Sep 18, 2026: 2.25% APYOct 20, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.75%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65% ▲ 0.29% above Oklahoma avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.29% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55% ▲ 0.19% above Oklahoma avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.19% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 14, 2026: 2.55% APYOct 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
3 Month Share Certificates Plus
$0
2.47% ▲ 0.11% above Oklahoma avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 0.11% above avgNationally 2.13%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 9 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 3 Months
$0
2.47% ▲ 0.11% above Oklahoma avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 0.11% above avgNationally 2.13%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 9 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Month Regular, IRA & Business Certificates
$0
2.45% ▲ 0.09% above Oklahoma avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.09% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 25, 2026
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
3 Month Certificate
$0
2.27% ▼ 0.09% below Oklahoma avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▼ 0.09% below avgNationally 2.13%
Details

Effective September 18, 2026

Rate History
No change since Oct 12, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Oct 12, 2026: 2.27% APYOct 12, 2026Oct 25, 2026

Oklahoma 6 Month CD Rates

MonitorBankRates Oklahoma Average · 6 Month CD3.23% APY▼ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Oklahoma is 3.23% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
6 Month CD
$1,000
4.55% ▲ 1.32% above Oklahoma avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 1.32% above avgNationally 2.78%
Details

Minimum of $1,000 to open; penalty may be imposed for early withdrawal; fees may reduce earnings

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
3.80%4.43%5.05%Sep 14, 2026: 4.30% APYSep 24, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.55%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
6 Month TEAL Certificate (Age 13-17)
$250
4.33% ▲ 1.10% above Oklahoma avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details

Ages: 13-17; Dividends Credited/Compounded: Monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.10% above Oklahoma avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details

Ages: 13-17; Teens Earning And Learning; APY compounded monthly

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 6 Months
$500
4.33% ▲ 1.10% above Oklahoma avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 6 Months
$1,000
4.20% ▲ 0.97% above Oklahoma avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.97% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 25, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
6 Month CD
$1,000
4.05% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 25, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
Business CD - 6 Months
$1,000
4.05% ▲ 0.82% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details

Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
6 Month CD
$2,500
4.05% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details

A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
701 State Highway 44, Burns Flat, OK 73624
WSB Traditional CDs - 6 Month
$1,000
4.01% ▲ 0.78% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.78% above avgNationally 2.78%
Details

Interest Compounded: Monthly; Interest Credited: Monthly; Early Withdrawal Penalties May Apply

Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 20, 2026: 4.01% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 0.77% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 6-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 6 Months
$1,000
4.00% ▲ 0.77% above Oklahoma avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
6 Month Share/IRA Certificates
$0
4.00% ▲ 0.77% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details

Balance: Over $50,000

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.96% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
3.10%3.78%4.46%Sep 18, 2026: 3.60% APYOct 2, 2026: 3.96% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.96%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share Certificate
$0
3.96% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 24, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
3.10%3.78%4.46%Sep 24, 2026: 3.60% APYOct 20, 2026: 3.96% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.96%▲ from 3.60%
  • Sep 24, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.96% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
6 Month Share Certificates
$0
3.96% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details

Balance: $100,000 and Over

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.96% ▲ 0.46 pts · high 3.96% / low 3.50%
3.00%3.73%4.46%Sep 14, 2026: 3.50% APYOct 19, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.96%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
6 Month Share Certificates (CD) JUMBO
$100,000
3.90% ▲ 0.67% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.67% above avgNationally 2.78%
Details

Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 14, 2026: 3.60% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.90%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 18, 2026: 3.50% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.85%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share Certificate
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 24, 2026: 3.50% APYOct 20, 2026: 3.85% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.85%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo Certificate
$100,000
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Jumbo IRA Certificate
$100,000
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
6 Month Share Certificates
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Balance: $1,000 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 14, 2026: 3.40% APYOct 19, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.85%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month CD
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 25, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
6 Month SCA
$1,000
3.85% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
2.15%3.43%4.70%Sep 21, 2026: 3.00% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.85%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.62% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
CD - 6 Month
$0
3.82% ▲ 0.59% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.59% above avgNationally 2.78%
Details

Minimum $75,000.00 Terms tier

Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 25, 2026: 3.30% APYOct 23, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificate - 6 Months
$0
3.82% ▲ 0.59% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.59% above avgNationally 2.78%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
6 Month Certificate
$1,000
3.80% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.57% above avgNationally 2.78%
Details

Balance: below $75,000.00

Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Oct 25, 2026
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Jumbo Certificate - 6 month
$75,000
3.80% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.57% above avgNationally 2.78%
Details

Balance: $75,000.00 or higher

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share (Certificate) / IRA
$0
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 18, 2026: 3.40% APYOct 2, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.75%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
6 Month Term Share Certificate
$0
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 90 Days

Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 24, 2026: 3.40% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 6 Months
$1,000
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Balance: $1,000+; Early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
6 Month CD
$0
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
6 Month (180 Day) CD
$1,000
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
6-Month Term CD
$1,000
3.75% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
Term CD - 6-Month
$1,000
3.75% ▲ 0.52% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
121 W Broadway, Vici, OK 73859
6 Month Certificate
$0
3.71% ▲ 0.48% above Oklahoma avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.48% above avgNationally 2.78%
Details

Rates effective 07/15/2025

Rate History
No change since Sep 11, 2026 · 3.71% APY · checked 11 times
3.21%3.71%4.21%Sep 11, 2026: 3.71% APYSep 11, 2026Oct 25, 2026
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 6 month
$1,000
3.70% ▲ 0.47% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.47% above avgNationally 2.78%
Details

APY accurate as of 7/29/2026

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
6 Month CD
$1,500
3.66% ▲ 0.43% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.43% above avgNationally 2.78%
Details

Balance: $100,000 - <$250,000

Rate History
3 changes since Sep 11, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 11, 2026: 3.60% APYSep 24, 2026: 3.66% APYOct 7, 2026: 3.60% APYOct 14, 2026: 3.66% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.66%▲ from 3.60%
  • Oct 7, 20263.60%▼ from 3.66%
  • Sep 24, 20263.66%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
301 N Main St, Seiling, OK 73663
Certificate of Deposit - 6 Months
$1,000
3.66% ▲ 0.43% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.43% above avgNationally 2.78%
Details

Interest rate and APY*; early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 25, 2026
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
6 Month Certificate
$1,000
3.66% ▲ 0.43% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Oct 8, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61%
3.11%3.64%4.16%Oct 8, 2026: 3.61% APYOct 15, 2026: 3.66% APYOct 8, 2026Oct 25, 2026
  • Oct 15, 20263.66%▲ from 3.61%
  • Oct 8, 20263.61%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
6 Month IRA
$0
3.66% ▲ 0.43% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
3.06%3.61%4.16%Sep 14, 2026: 3.56% APYSep 29, 2026: 3.66% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.66%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
608 S Main St, Stillwater, OK 74074
6-month CD
$50,000
3.65% ▲ 0.42% above Oklahoma avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.42% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month IRA Certificate Special
$1,000
3.65% ▲ 0.42% above Oklahoma avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.42% above avgNationally 2.78%
Details

CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month Certificate
$1,000
3.65% ▲ 0.42% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.42% above avgNationally 2.78%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
6-month IRA Certificate
$1,000
3.65% ▲ 0.42% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
6 Month CD
$1,500
3.61% ▲ 0.38% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.38% above avgNationally 2.78%
Details

Balance: $1,500 - <$10,000

Rate History
3 changes since Sep 11, 2026 · 3.55% → 3.61% ▲ 0.06 pts · high 3.61% / low 3.55%
3.05%3.58%4.11%Sep 11, 2026: 3.55% APYSep 24, 2026: 3.61% APYOct 7, 2026: 3.55% APYOct 14, 2026: 3.61% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.61%▲ from 3.55%
  • Oct 7, 20263.55%▼ from 3.61%
  • Sep 24, 20263.61%▲ from 3.55%
  • Sep 11, 20263.55%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
6 Month CD
$500
3.60% ▲ 0.37% above Oklahoma avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.37% above avgNationally 2.78%
Details

Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 14, 2026: 3.50% APYOct 22, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.60%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
CD - 6 months
$0
3.60% ▲ 0.37% above Oklahoma avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.37% above avgNationally 2.78%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 2, 2026: 3.60% APYOct 2, 2026Oct 25, 2026

Oklahoma 12 Month CD Rates

MonitorBankRates Oklahoma Average · 12 Month CD3.34% APY▼ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Oklahoma is 3.34% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.45% ▲ 1.11% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 1.11% above avgNationally 2.99%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.30% APYOct 14, 2026: 4.45% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
405 Us Highway 271, Wister, OK 74966
12 Month CD
$1,000
4.42% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 1.08% above avgNationally 2.99%
Details

Minimum of $1,000 to open; penalty may be imposed for early withdrawal; fees may reduce earnings

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
3.66%4.29%4.92%Sep 14, 2026: 4.16% APYSep 24, 2026: 4.42% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.42%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.01% above Oklahoma avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 12 Months
$500
4.33% ▲ 0.99% above Oklahoma avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.99% above avgNationally 2.99%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
Certificate of Deposit - 12 Month
$0
4.30% ▲ 0.96% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
701 State Highway 44, Burns Flat, OK 73624
WSB Traditional CDs - 12 Month
$1,000
4.26% ▲ 0.92% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.92% above avgNationally 2.99%
Details

Interest Compounded: Monthly; Interest Credited: Monthly; Early Withdrawal Penalties May Apply

Rate History
No change since Oct 20, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 20, 2026: 4.26% APYOct 20, 2026Oct 25, 2026
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
12-month CD
$0
4.25% ▲ 0.91% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.91% above avgNationally 2.99%
Details

Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.

Rate History
1 change since Oct 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 14, 2026: 3.75% APYOct 20, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.25%▲ from 3.75%
  • Oct 14, 20263.75%first recorded
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 12 Months
$1,000
4.25% ▲ 0.91% above Oklahoma avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.91% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 25, 2026
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
12 Month Certificate
$0
4.18% ▲ 0.84% above Oklahoma avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 12, 2026: 4.18% APYOct 12, 2026Oct 25, 2026
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA 12 Month Certificate
$0
4.18% ▲ 0.84% above Oklahoma avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 12, 2026: 4.18% APYOct 12, 2026Oct 25, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
12 Month CD (also IRA)
$2,500
4.15% ▲ 0.81% above Oklahoma avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.81% above avgNationally 2.99%
Details

Also available as IRA. A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
4.11% ▲ 0.77% above Oklahoma avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76%
3.26%3.94%4.61%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.11%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share Certificate
$0
4.11% ▲ 0.77% above Oklahoma avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 24, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76%
3.26%3.94%4.61%Sep 24, 2026: 3.76% APYOct 20, 2026: 4.11% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.11%▲ from 3.76%
  • Sep 24, 20263.76%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
12 Month Share Certificates
$0
4.11% ▲ 0.77% above Oklahoma avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details

Balance: $100,000 and Over

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.11% ▲ 0.51 pts · high 4.11% / low 3.60%
3.09%3.86%4.62%Sep 14, 2026: 3.60% APYOct 19, 2026: 4.11% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.11%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month Short-Term Certificate
$0
4.10% ▲ 0.76% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.76% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
11310 E PINE ST, Tulsa, OK 74116 2017
12 Month Share Certificates
$0
4.10% ▲ 0.76% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Jumbo Share Certificate - 12 Months
$0
4.08% ▲ 0.74% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.74% above avgNationally 2.99%
Details

Jumbo certificate; deposits must be $100,000 and above; penalty may be imposed for early withdrawal

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month Short-Term Certificate
$0
4.05% ▲ 0.71% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
12 Month CD
$1,000
4.05% ▲ 0.71% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 25, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
Business CD - 12 Months
$1,000
4.05% ▲ 0.71% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details

Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
4.01% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
3.15%3.83%4.51%Sep 18, 2026: 3.65% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.01%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share Certificate
$0
4.01% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 24, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
3.15%3.83%4.51%Sep 24, 2026: 3.65% APYOct 20, 2026: 4.01% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.01%▲ from 3.65%
  • Sep 24, 20263.65%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
12 Month Share Certificates
$0
4.01% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details

Balance: $1,000 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.01% ▲ 0.51 pts · high 4.01% / low 3.50%
2.99%3.76%4.52%Sep 14, 2026: 3.50% APYOct 19, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.01%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
12 Month EasyStart Certificate
$50
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
1 Year CD
$0
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
104 S Main St, Bristow, OK 74010
Certificates of Deposit - 12 Months
$2,500
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month IRA
$500
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
12 Month Certificate
$1,000
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
1 Year Share Certificates (CD) JUMBO
$100,000
4.00% ▲ 0.66% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 12 Months
$0
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Dividend Rate: 3.929%

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
1-Year Term CD
$1,000
4.00% ▲ 0.66% above Oklahoma avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
Term CD - 1-Year
$1,000
4.00% ▲ 0.66% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
1 Year CD
$0
3.96% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.62% above avgNationally 2.99%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
12 Month CD
$1,000
3.95% ▲ 0.61% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.61% above avgNationally 2.99%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 12 Month
$1,000
3.95% ▲ 0.61% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.61% above avgNationally 2.99%
Details

APY will vary based on the daily balance maintained; Early withdrawal penalty: 1% for terms of 12 months or less

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYOct 19, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.95%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share (Certificate) / IRA
$0
3.90% ▲ 0.56% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.56% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 2, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
12 Month Term Share Certificate
$0
3.90% ▲ 0.56% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.56% above avgNationally 2.99%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 120 Days

Rate History
1 change since Sep 24, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 24, 2026: 3.55% APYOct 20, 2026: 3.90% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.90%▲ from 3.55%
  • Sep 24, 20263.55%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month IRA Certificate Special
$1,000
3.90% ▲ 0.56% above Oklahoma avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.56% above avgNationally 2.99%
Details

CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
7-12 Month CD
$0
3.86% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Oct 9, 2026: 3.86% APYOct 9, 2026Oct 25, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
7-12 Month SCA
$1,000
3.86% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Oct 9, 2026: 3.86% APYOct 9, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
12 Month CD
$500
3.85% ▲ 0.51% above Oklahoma avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 22, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
CD - 12 months
$0
3.85% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 25, 2026
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 12 Months
$1,000
3.85% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
12 Month Share Certificates Plus
$0
3.85% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 15, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 12 Months
$0
3.85% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 15, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
12 Month Certificate
$200,000
3.85% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
2.90%3.63%4.35%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.85%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1117 10th St, Woodward, OK 73801
12 Month Certificate of Deposit
$0
3.84% ▲ 0.50% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.53% → 3.84% ▲ 0.31 pts · high 3.84% / low 3.53%
3.03%3.68%4.34%Sep 14, 2026: 3.53% APYOct 21, 2026: 3.84% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.84%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1117 10th St, Woodward, OK 73801
Certificate of Deposit - 12 Months
$0
3.84% ▲ 0.50% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.53% → 3.84% ▲ 0.31 pts · high 3.84% / low 3.53%
3.03%3.68%4.34%Sep 14, 2026: 3.53% APYOct 21, 2026: 3.84% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.84%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
12 Month IRA
$0
3.82% ▲ 0.48% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.48% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
3.22%3.77%4.32%Sep 14, 2026: 3.72% APYSep 29, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.82%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 12 Months
$2,000
3.80% ▲ 0.46% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.46% above avgNationally 2.99%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026

Oklahoma 18 Month CD Rates

MonitorBankRates Oklahoma Average · 18 Month CD3.13% APY▲ 0.03% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in Oklahoma is 3.13% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★Texas Ratio: 22.58%
101 W Main St, Hinton, OK 73047
IRA 18 Month Variable
$0
4.67% ▲ 1.54% above Oklahoma avg
View
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.54% above avgNationally 2.88%
Details

Balance: $0.00 and Up; Variable rate; Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 4.67% APY
4.17%4.67%5.17%Oct 22, 2026: 4.67% APYOct 22, 2026Oct 25, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.50% ▲ 1.37% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.40%
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
18-month CD
$0
4.50% ▲ 1.37% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.

Rate History
1 change since Oct 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Oct 14, 2026: 3.85% APYOct 20, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 3.85%
  • Oct 14, 20263.85%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
18 Month IRA/Share Certificate
$0
4.35% ▲ 1.22% above Oklahoma avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 25, 2026: 3.90% APYOct 8, 2026: 4.35% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20264.35%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.22% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 18 Months
$500
4.33% ▲ 1.20% above Oklahoma avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 1.20% above avgNationally 2.88%
Details

Dividends Credited/Compounded: Monthly

Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 15, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
IRA variable 18-month
$0
4.21% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 1.08% above avgNationally 2.88%
Details

Rate may change after account is opened; Substantial penalty for early withdrawal of IRA. Fees may reduce earnings.

Rate History
1 change since Sep 7, 2026 · 3.86% → 4.21% ▲ 0.35 pts · high 4.21% / low 3.86%
3.36%4.04%4.71%Sep 7, 2026: 3.86% APYOct 7, 2026: 4.21% APYSep 7, 2026Oct 25, 2026
  • Oct 7, 20264.21%▲ from 3.86%
  • Sep 7, 20263.86%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
18 Month Short-Term Certificate
$0
4.15% ▲ 1.02% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
18 Month Certificate of Deposit - Compounding Monthly
$500
4.13% ▲ 1.00% above Oklahoma avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.00% above avgNationally 2.88%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
18 Month Short-Term Certificate
$0
4.10% ▲ 0.97% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
4.06% ▲ 0.93% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.93% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month CD
$1,000
4.05% ▲ 0.92% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.92% above avgNationally 2.88%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
18 Month IRA
$500
4.05% ▲ 0.92% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.92% above avgNationally 2.88%
Details

Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
101 S Oklahoma Ave, Mangum, OK 73554
18-month CD
$0
4.00% ▲ 0.87% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details

CD Rate Special! Get 4.00% APY for 18 months when you open a new 18-month CD with Great Plains Bank

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 18 month
$1,000
4.00% ▲ 0.87% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details

APY accurate as of 7/29/2026

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
18 Month Certificates of Deposit
$1,000
4.00% ▲ 0.87% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
18 Month IRA
$0
3.97% ▲ 0.84% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
3.37%3.92%4.47%Sep 14, 2026: 3.87% APYSep 29, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.97%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
3.96% ▲ 0.83% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.83% above avgNationally 2.88%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
18 Month CD
$1,000
3.96% ▲ 0.83% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificate
$200,000
3.90% ▲ 0.77% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.90%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
18 Month Certificate
$0
3.87% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.74% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 14, 2026: 3.76% APYSep 29, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
220 N Main St, Helena, OK 73741
CD - 18 months
$0
3.85% ▲ 0.72% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
18 Month CD
$0
3.85% ▲ 0.72% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Jumbo Share Certificate - 18 Months
$0
3.82% ▲ 0.69% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.69% above avgNationally 2.88%
Details

Jumbo certificate; deposits must be $100,000 and above; penalty may be imposed for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
18 Month Jumbo CD
$100,000
3.80% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 18 Months
$2,000
3.80% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
18 Month Certificate
$1,000
3.80% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Balance: below $75,000.00

Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Oct 25, 2026
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Jumbo Certificate - 18 month
$75,000
3.80% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Balance: $75,000.00 or higher

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 25, 2026
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
311 E McElroy Rd, Stillwater, OK 74075 3815
Share Certificate - 18 Months
$0
3.75% ▲ 0.62% above Oklahoma avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Dividend Rate: 3.687%

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
18 Month EasyStart Certificate
$50
3.70% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificate
$50,000
3.70% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 18, 2026: 3.20% APYSep 26, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.70%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 18 Months
$1,000
3.65% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 25, 2026
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 Month Certificate
$500
3.61% ▲ 0.48% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.48% above avgNationally 2.88%
Details

Rate History
1 change since Oct 8, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
2.90%3.51%4.11%Oct 8, 2026: 3.40% APYOct 15, 2026: 3.61% APYOct 8, 2026Oct 25, 2026
  • Oct 15, 20263.61%▲ from 3.40%
  • Oct 8, 20263.40%first recorded
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
18 Month IRA Certificate
$50
3.61% ▲ 0.48% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 15, 2026: 3.61% APYOct 15, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
18 Month Share Certificates Plus
$0
3.60% ▲ 0.47% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 14, 2026: 3.44% APYOct 15, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.60%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 18 Months
$0
3.60% ▲ 0.47% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 14, 2026: 3.44% APYOct 15, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.60%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
18 Month CD
$1,000
3.55% ▲ 0.42% above Oklahoma avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
1 change since Sep 8, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 8, 2026: 3.30% APYOct 14, 2026: 3.55% APYSep 8, 2026Oct 25, 2026
  • Oct 14, 20263.55%▲ from 3.30%
  • Sep 8, 20263.30%first recorded
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1501 Renaissance Blvd, Edmond, OK 73013
18 Month IRA Account
$0
3.50% ▲ 0.37% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.37% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal; Interest rate and APY may change after account opening

Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 28, 2026: 3.50% APYSep 28, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
18 Month Certificate
$1,000
3.50% ▲ 0.37% above Oklahoma avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYSep 26, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Jumbo Certificates
$0
3.49% ▲ 0.36% above Oklahoma avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 14, 2026: 3.49% APYOct 14, 2026Oct 25, 2026
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificate - 18 Months
$0
3.45% ▲ 0.32% above Oklahoma avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.32% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Jumbo Certificate
$100,000
3.45% ▲ 0.32% above Oklahoma avg
View
▼
Rate3.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.32% above avgNationally 2.88%
Details

APY based on quarterly compounding

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
2.70%3.33%3.95%Sep 14, 2026: 3.20% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.45%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
18-month Certificate
$1,000
3.40% ▲ 0.27% above Oklahoma avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.27% above avgNationally 2.88%
Details

APY based on quarterly compounding

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
18 Month Share Certificates
$0
3.39% ▲ 0.26% above Oklahoma avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.26% above avgNationally 2.88%
Details

Quarterly Posted Dividend Certificate

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
2.74%3.32%3.89%Sep 14, 2026: 3.24% APYOct 23, 2026: 3.39% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.39%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Junior Jumbo Certificates
$0
3.39% ▲ 0.26% above Oklahoma avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.39% APY · checked 2 times
2.89%3.39%3.89%Oct 14, 2026: 3.39% APYOct 14, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Jumbo Certificate
$0
3.30% ▲ 0.17% above Oklahoma avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Jumbo ($95,000 Minimum); Effective 09/01/2026

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 25, 2026
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
18 Month Certificate
$0
3.29% ▲ 0.16% above Oklahoma avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.16% above avgNationally 2.88%
Details

Effective September 18, 2026

Rate History
No change since Oct 12, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Certificates
$0
3.29% ▲ 0.16% above Oklahoma avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
18 month Certificate
$0
3.25% ▲ 0.12% above Oklahoma avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Regular ($1,000 Minimum); Effective 09/01/2026

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 25, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
301 North Choctaw, Beggs, OK 74421
18 Month IRA Fixed & Roth & Education
$250
3.20% ▲ 0.07% above Oklahoma avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.07% above avgNationally 2.88%
Details

Penalty with early withdrawal of IRA applies

Rate History
1 change since Sep 8, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
2.55%3.13%3.70%Sep 8, 2026: 3.05% APYOct 7, 2026: 3.20% APYSep 8, 2026Oct 25, 2026
  • Oct 7, 20263.20%▲ from 3.05%
  • Sep 8, 20263.05%first recorded

Oklahoma 24 Month CD Rates

MonitorBankRates Oklahoma Average · 24 Month CD3.10% APY▲ 0.04% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in Oklahoma is 3.10% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.50% ▲ 1.40% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.40% above avgNationally 2.90%
Details

Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYSep 24, 2026: 4.40% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.40%
  • Sep 24, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.30% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.30% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 24 Months
$500
4.33% ▲ 1.23% above Oklahoma avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 1.23% above avgNationally 2.90%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Oct 15, 2026: 3.82% APYOct 23, 2026: 4.33% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.33%▲ from 3.82%
  • Oct 15, 20263.82%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.16% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
3.40%4.08%4.76%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.26%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share Certificate
$0
4.26% ▲ 1.16% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
3.40%4.08%4.76%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.26% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.26%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
24 Month Share Certificates
$0
4.26% ▲ 1.16% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details

Balance: $100,000 and Over

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.26% ▲ 0.50 pts · high 4.26% / low 3.76%
3.26%4.01%4.76%Sep 14, 2026: 3.76% APYOct 19, 2026: 4.26% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.26%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month IRA Certificate Special
$1,000
4.20% ▲ 1.10% above Oklahoma avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.10% above avgNationally 2.90%
Details

CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
104 S Main St, Bristow, OK 74010
Certificates of Deposit - 24 Months
$1,000
4.20% ▲ 1.10% above Oklahoma avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.10% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10%
2.00%3.65%5.30%Sep 14, 2026: 3.10% APYOct 22, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
24 Month Certificate of Deposit - Compounding Monthly
$500
4.18% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.08% above avgNationally 2.90%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.15% ▲ 1.05% above Oklahoma avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 18, 2026: 3.80% APYOct 2, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.15%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share Certificate
$0
4.15% ▲ 1.05% above Oklahoma avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 24, 2026: 3.80% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.15%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month CD
$1,000
4.15% ▲ 1.05% above Oklahoma avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
24 Month IRA
$500
4.15% ▲ 1.05% above Oklahoma avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details

Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
24 Month Share Certificates
$0
4.15% ▲ 1.05% above Oklahoma avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details

Balance: $1,000 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 14, 2026: 3.65% APYOct 19, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.15%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
4.06% ▲ 0.96% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.96% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
4.05% ▲ 0.95% above Oklahoma avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 18, 2026: 3.70% APYOct 2, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.05%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share Certificate
$0
4.05% ▲ 0.95% above Oklahoma avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 24, 2026: 3.70% APYOct 20, 2026: 4.05% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.05%▲ from 3.70%
  • Sep 24, 20263.70%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
24 Month CD
$1,000
4.05% ▲ 0.95% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 25, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
Business CD - 24 Months
$1,000
4.05% ▲ 0.95% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 18-60 Month CD - 6 Month Interest Penalty; CD APY accurate as of 07/20/26

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 24 month
$1,000
4.05% ▲ 0.95% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details

APY accurate as of 7/29/2026

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
24 Month IRA
$0
4.02% ▲ 0.92% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.92% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 29, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
100 S Riverfront Dr, Jenks, OK 74037
24-month CD
$0
4.00% ▲ 0.90% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
11310 E PINE ST, Tulsa, OK 74116 2017
24 Month Share Certificates
$0
4.00% ▲ 0.90% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Certificate
$200,000
4.00% ▲ 0.90% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 26, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
24 Month Certificate
$0
3.97% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 25, 2026
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
IRA 24 Month Certificate
$0
3.97% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
3.96% ▲ 0.86% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.86% above avgNationally 2.90%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
24 Month CD
$1,000
3.96% ▲ 0.86% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month Jumbo CD
$100,000
3.95% ▲ 0.85% above Oklahoma avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.85% above avgNationally 2.90%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
24 Month Certificate (2 Year)
$0
3.92% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.82% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Sep 14, 2026: 3.76% APYSep 29, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.92%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
2 Year Share Certificates (CD) JUMBO
$100,000
3.90% ▲ 0.80% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.80% above avgNationally 2.90%
Details

Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
2.70%3.60%4.50%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.90%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89% ▲ 0.79% above Oklahoma avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.79% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.89% APY · checked 2 times
3.39%3.89%4.39%Oct 14, 2026: 3.89% APYOct 14, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
24 Month CD
$0
3.85% ▲ 0.75% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.75% above avgNationally 2.90%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.84% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.74% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 18, 2026: 3.49% APYOct 2, 2026: 3.84% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.84%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share Certificate
$0
3.84% ▲ 0.74% above Oklahoma avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.74% above avgNationally 2.90%
Details

Balance tier: $10,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.59% → 3.84% ▲ 0.25 pts · high 3.84% / low 3.59%
3.09%3.72%4.34%Sep 24, 2026: 3.59% APYOct 20, 2026: 3.84% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.84%▲ from 3.59%
  • Sep 24, 20263.59%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 24 Months
$2,000
3.80% ▲ 0.70% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Certificate
$50,000
3.80% ▲ 0.70% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.80%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Roth IRA Certificates
$1,000
3.80% ▲ 0.70% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.80%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
24 Month Traditional IRA Certificates
$1,000
3.80% ▲ 0.70% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.80%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78% ▲ 0.68% above Oklahoma avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.78% APY · checked 2 times
3.28%3.78%4.28%Oct 14, 2026: 3.78% APYOct 14, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 24 Months
$0
3.75% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 24 Months
$500
3.75% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
24 Month CD 24
$1,000
3.75% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.44% → 3.75% ▲ 0.31 pts · high 3.75% / low 3.44%
2.94%3.59%4.25%Oct 9, 2026: 3.44% APYOct 19, 2026: 3.75% APYOct 9, 2026Oct 25, 2026
  • Oct 19, 20263.75%▲ from 3.44%
  • Oct 9, 20263.44%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
24 Month Short-Term Certificate
$0
3.70% ▲ 0.60% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.60% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month CD
$1,000
3.70% ▲ 0.60% above Oklahoma avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.60% above avgNationally 2.90%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
1 change since Sep 8, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 8, 2026: 3.35% APYOct 14, 2026: 3.70% APYSep 8, 2026Oct 25, 2026
  • Oct 14, 20263.70%▲ from 3.35%
  • Sep 8, 20263.35%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share (Certificate) / IRA
$0
3.69% ▲ 0.59% above Oklahoma avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.59% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 18, 2026 · 3.34% → 3.69% ▲ 0.35 pts · high 3.69% / low 3.34%
2.84%3.51%4.19%Sep 18, 2026: 3.34% APYOct 2, 2026: 3.69% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.69%▲ from 3.34%
  • Sep 18, 20263.34%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Month Term Share Certificate
$0
3.69% ▲ 0.59% above Oklahoma avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.59% above avgNationally 2.90%
Details

Balance tier: $1,000; Early Withdrawal Penalty: 180 Days

Rate History
1 change since Sep 24, 2026 · 3.44% → 3.69% ▲ 0.25 pts · high 3.69% / low 3.44%
2.94%3.56%4.19%Sep 24, 2026: 3.44% APYOct 20, 2026: 3.69% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.69%▲ from 3.44%
  • Sep 24, 20263.44%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
2 Year Regular, IRA & Business Certificates
$0
3.68% ▲ 0.58% above Oklahoma avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 14, 2026: 3.68% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
24 Month Short-Term Certificate
$0
3.66% ▲ 0.56% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.56% above avgNationally 2.90%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
24 Month Share Certificates Plus
$0
3.65% ▲ 0.55% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.55% above avgNationally 2.90%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.65% ▲ 0.31 pts · high 3.65% / low 3.34%
2.84%3.50%4.15%Sep 14, 2026: 3.34% APYOct 15, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.65%▲ from 3.34%
  • Sep 14, 20263.34%first recorded

Oklahoma 36 Month CD Rates

MonitorBankRates Oklahoma Average · 36 Month CD3.02% APY▲ 0.05% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Oklahoma is 3.02% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.31% ▲ 1.29% above Oklahoma avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.31% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.31%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share Certificate
$0
4.31% ▲ 1.29% above Oklahoma avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
3.40%4.10%4.81%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.31% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.31%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
36 Month Share Certificates
$0
4.31% ▲ 1.29% above Oklahoma avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details

Balance: $100,000 and Over

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.31% ▲ 0.51 pts · high 4.31% / low 3.80%
3.29%4.06%4.82%Sep 14, 2026: 3.80% APYOct 19, 2026: 4.31% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.31%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
310 E Graham Ave, Pryor, OK 74361
Certificates of Deposit (CDs) - 36 month
$1,000
4.25% ▲ 1.23% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.02%▲ 1.23% above avgNationally 2.81%
Details

APY accurate as of 7/29/2026

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month IRA
$500
4.25% ▲ 1.23% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24% ▲ 1.22% above Oklahoma avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.20% ▲ 1.18% above Oklahoma avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share Certificate
$0
4.20% ▲ 1.18% above Oklahoma avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 24, 2026: 3.80% APYOct 20, 2026: 4.20% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.20%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
36 Month Share Certificates
$0
4.20% ▲ 1.18% above Oklahoma avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details

Balance: $1,000 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 19, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
3 Year Long-Term Certificate
$0
4.15% ▲ 1.13% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.13% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
36 Month CD
$1,000
4.15% ▲ 1.13% above Oklahoma avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.13% above avgNationally 2.81%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14% ▲ 1.12% above Oklahoma avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 14, 2026: 4.14% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
3 Year Long-Term Certificate
$0
4.10% ▲ 1.08% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
4.10% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share Certificate
$0
4.10% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 24, 2026: 3.70% APYOct 20, 2026: 4.10% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.10%▲ from 3.70%
  • Sep 24, 20263.70%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificate
$200,000
4.10% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.04%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 18, 2026: 3.60% APYSep 26, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20264.10%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
4.06% ▲ 1.04% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.04% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Year Regular, IRA & Business Certificates
$0
4.03% ▲ 1.01% above Oklahoma avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 14, 2026: 4.03% APYOct 14, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
36 Month IRA
$0
4.02% ▲ 1.00% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYSep 29, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
104 S Main St, Bristow, OK 74010
36 Months Fixed IRA
$500
4.00% ▲ 0.98% above Oklahoma avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
3.96% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.94% above avgNationally 2.81%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 24, 2026: 3.96% APYSep 24, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
36 Month Certificate (3 Year)
$0
3.92% ▲ 0.90% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.90% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Sep 14, 2026: 3.76% APYSep 29, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.92%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
36 Month CD 36
$1,000
3.91% ▲ 0.89% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Oct 9, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
3.05%3.73%4.41%Oct 9, 2026: 3.55% APYOct 19, 2026: 3.91% APYOct 9, 2026Oct 25, 2026
  • Oct 19, 20263.91%▲ from 3.55%
  • Oct 9, 20263.55%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
3 Year Share Certificates (CD) JUMBO
$100,000
3.90% ▲ 0.88% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
2.70%3.60%4.50%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.90%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
11310 E PINE ST, Tulsa, OK 74116 2017
36 Month Share Certificates
$0
3.90% ▲ 0.88% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificate
$50,000
3.90% ▲ 0.88% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.90%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Roth IRA Certificates
$1,000
3.90% ▲ 0.88% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.90%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Traditional IRA Certificates
$1,000
3.90% ▲ 0.88% above Oklahoma avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
2.90%3.65%4.40%Sep 18, 2026: 3.40% APYSep 26, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.90%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.89% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.87% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.89% ▲ 0.40 pts · high 3.89% / low 3.49%
2.99%3.69%4.39%Sep 18, 2026: 3.49% APYOct 2, 2026: 3.89% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.89%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share Certificate
$0
3.89% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.87% above avgNationally 2.81%
Details

Balance tier: $10,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.59% → 3.89% ▲ 0.30 pts · high 3.89% / low 3.59%
3.09%3.74%4.39%Sep 24, 2026: 3.59% APYOct 20, 2026: 3.89% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.89%▲ from 3.59%
  • Sep 24, 20263.59%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
36 Month Escalator CD
$0
3.85% ▲ 0.83% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.83% above avgNationally 2.81%
Details

Balance: $1,000 - $24,999

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 36 Month
$1,000
3.85% ▲ 0.83% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.83% above avgNationally 2.81%
Details

APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
2.65%3.55%4.45%Sep 18, 2026: 3.25% APYOct 19, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20263.85%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 36 Months
$500
3.82% ▲ 0.80% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.80% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 36 Months
$2,000
3.80% ▲ 0.78% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.02%▲ 0.78% above avgNationally 2.81%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
36 Month CD
$1,000
3.80% ▲ 0.78% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 36 Month Jumbo
$0
3.80% ▲ 0.78% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.78% above avgNationally 2.81%
Details

Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
36 Month Share Certificates Plus
$0
3.75% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.73% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 36 Months
$0
3.75% ▲ 0.73% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.73% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share (Certificate) / IRA
$0
3.74% ▲ 0.72% above Oklahoma avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.72% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 18, 2026 · 3.34% → 3.74% ▲ 0.40 pts · high 3.74% / low 3.34%
2.84%3.54%4.24%Sep 18, 2026: 3.34% APYOct 2, 2026: 3.74% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.74%▲ from 3.34%
  • Sep 18, 20263.34%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
36 Month Term Share Certificate
$0
3.74% ▲ 0.72% above Oklahoma avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.72% above avgNationally 2.81%
Details

Balance tier: $1,000; Early Withdrawal Penalty: 240 Days

Rate History
1 change since Sep 24, 2026 · 3.44% → 3.74% ▲ 0.30 pts · high 3.74% / low 3.44%
2.94%3.59%4.24%Sep 24, 2026: 3.44% APYOct 20, 2026: 3.74% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.74%▲ from 3.44%
  • Sep 24, 20263.44%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
36 Month Certificate
$1,000
3.70% ▲ 0.68% above Oklahoma avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 18, 2026: 3.20% APYSep 26, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.70%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.65% ▲ 0.63% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.63% above avgNationally 2.81%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
122 E Main St, Sentinel, OK 73664
3-Year CD
$0
3.60% ▲ 0.58% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
402 E Main St, Henryetta, OK 74437
3 Year Share Certificates (CD)
$1,000
3.60% ▲ 0.58% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.58% above avgNationally 2.81%
Details

Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
2.40%3.30%4.20%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.30% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.60%▲ from 3.30%
  • Sep 18, 20263.30%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
36 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.54% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.54% above avgNationally 2.81%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 36 Month
$0
3.55% ▲ 0.53% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.53% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
36 Month Share Certificates
$0
3.55% ▲ 0.53% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.53% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
36 Month Certificate
$500
3.51% ▲ 0.49% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.49% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Oct 8, 2026: 3.25% APYOct 15, 2026: 3.51% APYOct 8, 2026Oct 25, 2026
  • Oct 15, 20263.51%▲ from 3.25%
  • Oct 8, 20263.25%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Share Certificate - DDEP Bonus
$1,000
3.50% ▲ 0.48% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.48% above avgNationally 2.81%
Details

DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms

Rate History
No change since Oct 20, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 36 Months
$1,000
3.50% ▲ 0.48% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.48% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026

Oklahoma 48 Month CD Rates

MonitorBankRates Oklahoma Average · 48 Month CD2.98% APY▲ 0.01% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Oklahoma is 2.98% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.49% above Oklahoma avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Oct 14, 2026: 4.47% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.36% ▲ 1.38% above Oklahoma avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 18, 2026: 3.96% APYOct 2, 2026: 4.36% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.36%▲ from 3.96%
  • Sep 18, 20263.96%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share Certificate
$0
4.36% ▲ 1.38% above Oklahoma avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
3.46%4.16%4.86%Sep 24, 2026: 3.96% APYOct 20, 2026: 4.36% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.36%▲ from 3.96%
  • Sep 24, 20263.96%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
48 Month Share Certificates
$0
4.36% ▲ 1.38% above Oklahoma avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details

Balance: $100,000 and Over

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.36% ▲ 0.51 pts · high 4.36% / low 3.85%
3.34%4.11%4.87%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.36% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.36%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.38% above Oklahoma avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 2 times
3.86%4.36%4.86%Oct 14, 2026: 4.36% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.26% ▲ 1.28% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.26% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.26%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share Certificate
$0
4.26% ▲ 1.28% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
3.35%4.06%4.76%Sep 24, 2026: 3.85% APYOct 20, 2026: 4.26% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.26%▲ from 3.85%
  • Sep 24, 20263.85%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
317 S Broadway Ave, Ada, OK 74820
48 Month Share Certificates
$0
4.26% ▲ 1.28% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details

Balance: $1,000 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.26% ▲ 0.51 pts · high 4.26% / low 3.75%
3.24%4.01%4.77%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.26% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.26%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.28% above Oklahoma avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 14, 2026: 4.26% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
4.15% ▲ 1.17% above Oklahoma avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.15%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share Certificate
$0
4.15% ▲ 1.17% above Oklahoma avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 24, 2026: 3.75% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.15%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
110 W Oklahoma Ave, Anadarko, OK 73005
48 Month CD
$1,000
4.15% ▲ 1.17% above Oklahoma avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Interest Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificate
$200,000
4.15% ▲ 1.17% above Oklahoma avg
View
▼
Rate4.09%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 18, 2026: 3.70% APYSep 26, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20264.15%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
48 Month CD
$0
4.06% ▲ 1.08% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 1.08% above avgNationally 2.81%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
48 Month IRA
$0
4.02% ▲ 1.04% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 29, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.02%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
48 Month CD
$0
3.96% ▲ 0.98% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.98% above avgNationally 2.81%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificate
$50,000
3.95% ▲ 0.97% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 18, 2026: 3.50% APYSep 26, 2026: 3.95% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.95%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Roth IRA Certificates
$1,000
3.95% ▲ 0.97% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 18, 2026: 3.50% APYSep 26, 2026: 3.95% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.95%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Traditional IRA Certificates
$1,000
3.95% ▲ 0.97% above Oklahoma avg
View
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 18, 2026: 3.50% APYSep 26, 2026: 3.95% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.95%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.94% ▲ 0.96% above Oklahoma avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.96% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
3.04%3.74%4.44%Sep 18, 2026: 3.54% APYOct 2, 2026: 3.94% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.94%▲ from 3.54%
  • Sep 18, 20263.54%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share Certificate
$0
3.94% ▲ 0.96% above Oklahoma avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.96% above avgNationally 2.81%
Details

Balance tier: $10,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.64% → 3.94% ▲ 0.30 pts · high 3.94% / low 3.64%
3.14%3.79%4.44%Sep 24, 2026: 3.64% APYOct 20, 2026: 3.94% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.94%▲ from 3.64%
  • Sep 24, 20263.64%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
48 Month Certificate (4 Year)
$0
3.92% ▲ 0.94% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.94% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
3.22%3.82%4.42%Sep 14, 2026: 3.72% APYSep 29, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.92%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.90% ▲ 0.92% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.92% above avgNationally 2.81%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 48 Month
$1,000
3.90% ▲ 0.92% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.92% above avgNationally 2.81%
Details

APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 18, 2026: 3.25% APYOct 19, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20263.90%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
48 Month Share Certificates Plus
$0
3.85% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.87% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 48 Months
$0
3.85% ▲ 0.87% above Oklahoma avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.87% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 48 Months
$500
3.82% ▲ 0.84% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.84% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 48 Months
$2,000
3.80% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▲ 0.82% above avgNationally 2.81%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 48 Month Jumbo
$0
3.80% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.82% above avgNationally 2.81%
Details

Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share (Certificate) / IRA
$0
3.79% ▲ 0.81% above Oklahoma avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.81% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.79% ▲ 0.40 pts · high 3.79% / low 3.39%
2.89%3.59%4.29%Sep 18, 2026: 3.39% APYOct 2, 2026: 3.79% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.79%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
48 Month Term Share Certificate
$0
3.79% ▲ 0.81% above Oklahoma avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.81% above avgNationally 2.81%
Details

Balance tier: $1,000; Early Withdrawal Penalty: 300 Days

Rate History
1 change since Sep 24, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
2.99%3.64%4.29%Sep 24, 2026: 3.49% APYOct 20, 2026: 3.79% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.79%▲ from 3.49%
  • Sep 24, 20263.49%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Share Certificate - DDEP Bonus
$1,000
3.75% ▲ 0.77% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.77% above avgNationally 2.81%
Details

DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms

Rate History
No change since Oct 20, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
48 Month Certificate
$1,000
3.75% ▲ 0.77% above Oklahoma avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
2.80%3.53%4.25%Sep 18, 2026: 3.30% APYSep 26, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20263.75%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
48 Month CD
$1,000
3.70% ▲ 0.72% above Oklahoma avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Jumbo Share Certificate
$100,000
3.65% ▲ 0.67% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.67% above avgNationally 2.81%
Details

JUMBO certificate

Rate History
No change since Oct 20, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
48 Month Share Certificates
$0
3.65% ▲ 0.67% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.67% above avgNationally 2.81%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
122 E Main St, Sentinel, OK 73664
4-Year CD
$0
3.60% ▲ 0.62% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
48 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.58% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.58% above avgNationally 2.81%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
48 Month Jumbo CD
$100,000
3.55% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 48 Month
$0
3.55% ▲ 0.57% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Share Certificate
$1,000
3.50% ▲ 0.52% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 48 Months
$1,000
3.50% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Jumbo Certificate & IRA
$0
3.50% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Jumbo ($95,000 Minimum); Effective 09/01/2026

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Boost Certificate
$100,000
3.50% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo Certificate
$100,000
3.50% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Jumbo IRA Certificate
$100,000
3.50% ▲ 0.52% above Oklahoma avg
View
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$1,500
3.45% ▲ 0.47% above Oklahoma avg
View
▼
Rate3.40%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▲ 0.47% above avgNationally 2.81%
Details

Balance: $100,000 - <$250,000

Rate History
3 changes since Sep 11, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.45% APYOct 7, 2026: 3.40% APYOct 14, 2026: 3.45% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.45%▲ from 3.40%
  • Oct 7, 20263.40%▼ from 3.45%
  • Sep 24, 20263.45%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3502 Chandler Rd, Muskogee, OK 74403 4910
48 Month Certificate
$10,000
3.45% ▲ 0.47% above Oklahoma avg
View
▼
Rate3.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.47% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 2.94% → 3.45% ▲ 0.51 pts · high 3.45% / low 2.94%
2.43%3.20%3.96%Oct 8, 2026: 2.94% APYOct 15, 2026: 3.45% APYOct 8, 2026Oct 25, 2026
  • Oct 15, 20263.45%▲ from 2.94%
  • Oct 8, 20262.94%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
48 month Certificate & IRA
$0
3.45% ▲ 0.47% above Oklahoma avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.47% above avgNationally 2.81%
Details

Regular ($1,000 Minimum); Effective 09/01/2026

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 25, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
48 Month CD
$1,500
3.40% ▲ 0.42% above Oklahoma avg
View
▼
Rate3.35%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Balance: $10,000 - <$25,000

Rate History
3 changes since Sep 11, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
2.85%3.38%3.90%Sep 11, 2026: 3.35% APYSep 24, 2026: 3.40% APYOct 7, 2026: 3.35% APYOct 14, 2026: 3.40% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.40%▲ from 3.35%
  • Oct 7, 20263.35%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.35%
  • Sep 11, 20263.35%first recorded

Oklahoma 60 Month CD Rates

MonitorBankRates Oklahoma Average · 60 Month CD3.00% APY▲ 0.02% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in Oklahoma is 3.00% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.87% above Oklahoma avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.87% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 2 times
4.37%4.87%5.37%Oct 14, 2026: 4.87% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.76% above Oklahoma avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.76% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 2 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.66% above Oklahoma avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.66% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 2 times
4.16%4.66%5.16%Oct 14, 2026: 4.66% APYOct 14, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.40% ▲ 1.40% above Oklahoma avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.40% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
3.38%4.15%4.91%Sep 18, 2026: 3.89% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.40%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share Certificate
$0
4.40% ▲ 1.40% above Oklahoma avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.40% above avgNationally 2.92%
Details

Balance tier: $99,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 24, 2026: 4.00% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.40%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.30% ▲ 1.30% above Oklahoma avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.30% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share Certificate
$0
4.30% ▲ 1.30% above Oklahoma avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.30% above avgNationally 2.92%
Details

Balance tier: $50,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 24, 2026: 3.90% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
4.19% ▲ 1.19% above Oklahoma avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.19% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
3.29%3.99%4.69%Sep 18, 2026: 3.79% APYOct 2, 2026: 4.19% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.19%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share Certificate
$0
4.19% ▲ 1.19% above Oklahoma avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.19% above avgNationally 2.92%
Details

Balance tier: $25,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
3.29%3.99%4.69%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.19% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.19%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Jumbo Share Certificate - DDEP Bonus
$100,000
4.15% ▲ 1.15% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.15% above avgNationally 2.92%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
60 Month CD
$0
4.06% ▲ 1.06% above Oklahoma avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 1.06% above avgNationally 2.92%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
60 Month Roth IRA Certificates
$1,000
4.05% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 18, 2026: 3.60% APYSep 26, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20264.05%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
778 W 4th St, Tahlequah, OK 74464 5237
60 Month Traditional IRA Certificates
$1,000
4.05% ▲ 1.05% above Oklahoma avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 18, 2026: 3.60% APYSep 26, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Sep 26, 20264.05%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
60 Month IRA
$0
4.02% ▲ 1.02% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.02% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.02%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
60 Month Share Certificates Plus
$0
4.01% ▲ 1.01% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.01% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificates; Compound Dividend Rate

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 9 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
IRA Plus Certificate - 60 Months
$0
4.01% ▲ 1.01% above Oklahoma avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.01% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 9 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Share Certificate - DDEP Bonus
$1,000
4.00% ▲ 1.00% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.00% above avgNationally 2.92%
Details

DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 60 Month
$1,000
4.00% ▲ 1.00% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.00% above avgNationally 2.92%
Details

APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months

Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 18, 2026: 3.25% APYOct 19, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.99% ▲ 0.99% above Oklahoma avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.99% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.63% → 3.99% ▲ 0.36 pts · high 3.99% / low 3.63%
3.13%3.81%4.49%Sep 18, 2026: 3.63% APYOct 2, 2026: 3.99% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.99%▲ from 3.63%
  • Sep 18, 20263.63%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share Certificate
$0
3.99% ▲ 0.99% above Oklahoma avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.99% above avgNationally 2.92%
Details

Balance tier: $10,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 3.69% → 3.99% ▲ 0.30 pts · high 3.99% / low 3.69%
3.19%3.84%4.49%Sep 24, 2026: 3.69% APYOct 20, 2026: 3.99% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.99%▲ from 3.69%
  • Sep 24, 20263.69%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
523 Delaware St, Perry, OK 73077
60 Month CD
$0
3.96% ▲ 0.96% above Oklahoma avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.96% above avgNationally 2.92%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
2721 N Main St, Altus, OK 73521
60 Month Certificate (5 Year)
$0
3.92% ▲ 0.92% above Oklahoma avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.92% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYSep 29, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
5 Year Long-Term Certificate
$0
3.90% ▲ 0.90% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.90% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Jumbo Share Certificate
$100,000
3.90% ▲ 0.90% above Oklahoma avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.90% above avgNationally 2.92%
Details

JUMBO certificate

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3414 NW Cache Rd, Lawton, OK 73505
5 Year Long-Term Certificate
$0
3.85% ▲ 0.85% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.85% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share (Certificate) / IRA
$0
3.83% ▲ 0.83% above Oklahoma avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.83% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 18, 2026 · 3.43% → 3.83% ▲ 0.40 pts · high 3.83% / low 3.43%
2.93%3.63%4.33%Sep 18, 2026: 3.43% APYOct 2, 2026: 3.83% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.83%▲ from 3.43%
  • Sep 18, 20263.43%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1620 Lonnie Abbott Blvd, Ada, OK 74820
60 Month Term Share Certificate
$0
3.83% ▲ 0.83% above Oklahoma avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.83% above avgNationally 2.92%
Details

Balance tier: $1,000; Early Withdrawal Penalty: 360 Days

Rate History
1 change since Sep 24, 2026 · 3.53% → 3.83% ▲ 0.30 pts · high 3.83% / low 3.53%
3.03%3.68%4.33%Sep 24, 2026: 3.53% APYOct 20, 2026: 3.83% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.83%▲ from 3.53%
  • Sep 24, 20263.53%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2018 S Washington, Idabel, OK 74745
Share Certificate - 60 Months
$500
3.82% ▲ 0.82% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.82% above avgNationally 2.92%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly

Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 15, 2026: 3.82% APYOct 15, 2026Oct 25, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
Certificates of Deposit - 60 Months
$2,000
3.80% ▲ 0.80% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.80% above avgNationally 2.92%
Details

APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 60 Month Jumbo
$0
3.80% ▲ 0.80% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.80% above avgNationally 2.92%
Details

Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
2001 12th Ave NW, Ardmore, OK 73401
60 Month Share Certificates
$0
3.80% ▲ 0.80% above Oklahoma avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.80% above avgNationally 2.92%
Details

Quarterly Posted Dividend Certificate

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Share Certificate
$1,000
3.75% ▲ 0.75% above Oklahoma avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
1 Sw 1st St, Afton, OK 74331
60 Month CD
$1,000
3.65% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.65% above avgNationally 2.92%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 25, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
5 year CD
$0
3.65% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.65% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
5 year SCA
$500
3.65% ▲ 0.65% above Oklahoma avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.65% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
2.45%3.35%4.25%Sep 21, 2026: 3.05% APYOct 9, 2026: 3.65% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.65%▲ from 3.05%
  • Sep 21, 20263.05%first recorded
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
122 E Main St, Sentinel, OK 73664
5-Year CD
$0
3.60% ▲ 0.60% above Oklahoma avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.60% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo Certificate
$100,000
3.60% ▲ 0.60% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.60% above avgNationally 2.92%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Jumbo IRA Certificate
$100,000
3.60% ▲ 0.60% above Oklahoma avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.60% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
60 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.56% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.56% above avgNationally 2.92%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month Jumbo CD
$100,000
3.55% ▲ 0.55% above Oklahoma avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.55% above avgNationally 2.92%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
Share Certificate - 60 Month
$0
3.55% ▲ 0.55% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.55% above avgNationally 2.92%
Details

Dividends compounded and credited quarterly; penalty may apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 23, 2026: 3.55% APYOct 23, 2026Oct 25, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$1,500
3.51% ▲ 0.51% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.51% above avgNationally 2.92%
Details

Balance: $100,000 - <$250,000

Rate History
3 changes since Sep 11, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
2.95%3.48%4.01%Sep 11, 2026: 3.45% APYSep 24, 2026: 3.51% APYOct 7, 2026: 3.45% APYOct 14, 2026: 3.51% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.51%▲ from 3.45%
  • Oct 7, 20263.45%▼ from 3.51%
  • Sep 24, 20263.51%▲ from 3.45%
  • Sep 11, 20263.45%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
Certificate of Deposit - 60 Months
$1,000
3.50% ▲ 0.50% above Oklahoma avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.50% above avgNationally 2.92%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
500 Montgomery Sq, Lawton, OK 73501
60 Month Certificate of Deposit
$500
3.50% ▲ 0.50% above Oklahoma avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.50% above avgNationally 2.92%
Details

Fixed Rate: Non-Compounding

Rate History
1 change since Sep 24, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 24, 2026: 3.00% APYOct 22, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20263.50%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$1,500
3.45% ▲ 0.45% above Oklahoma avg
View
▼
Rate3.40%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.45% above avgNationally 2.92%
Details

Balance: $10,000 - <$25,000

Rate History
3 changes since Sep 11, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.45% APYOct 7, 2026: 3.40% APYOct 14, 2026: 3.45% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.45%▲ from 3.40%
  • Oct 7, 20263.40%▼ from 3.45%
  • Sep 24, 20263.45%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
601 Harrison St, Pawnee, OK 74058
60 Month CD
$1,500
3.40% ▲ 0.40% above Oklahoma avg
View
▼
Rate3.35%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.40% above avgNationally 2.92%
Details

Balance: $1,500 - <$10,000

Rate History
3 changes since Sep 11, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
2.85%3.38%3.90%Sep 11, 2026: 3.35% APYSep 24, 2026: 3.40% APYOct 7, 2026: 3.35% APYOct 14, 2026: 3.40% APYSep 11, 2026Oct 25, 2026
  • Oct 14, 20263.40%▲ from 3.35%
  • Oct 7, 20263.35%▼ from 3.40%
  • Sep 24, 20263.40%▲ from 3.35%
  • Sep 11, 20263.35%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month CD
$1,000
3.30% ▲ 0.30% above Oklahoma avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.92%
Details

Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal

Rate History
1 change since Sep 8, 2026 · 2.75% → 3.30% ▲ 0.55 pts · high 3.30% / low 2.75%
2.20%3.03%3.85%Sep 8, 2026: 2.75% APYOct 14, 2026: 3.30% APYSep 8, 2026Oct 25, 2026
  • Oct 14, 20263.30%▲ from 2.75%
  • Sep 8, 20262.75%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month Certificate
$1,000
3.30% ▲ 0.30% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.92%
Details

APY based on quarterly compounding

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
60-month IRA Certificate
$1,000
3.30% ▲ 0.30% above Oklahoma avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
60 Month Standard Certificate
$500
3.30% ▲ 0.30% above Oklahoma avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.92%
Details

Effective Date: September 9, 2025

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Oklahoma Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Legacy Bank Hinton, OK
IRA 18 Month Variable
B- 4.4 ★ TX: 22.58%
Min: $0
4.67%
The Community State Bank
6 Month CD
A+ 5.0 ★ TX: 3.71%
Min: $1,000
4.55%
MapleMark Bank
18 Month CD
A+ 5.0 ★ TX: 4.88%
Min: $0
4.50%
First Oklahoma Bank
18-month CD
A+ 5.0 ★ TX: 2.71%
Min: $0
4.50%
Vio Bank
Certificate of Deposit - 24 Month
A+ 5.0 ★ TX: 4.93%
Min: $0
4.40%
CU Top 5 Credit Union Rates
Advancial Federal Credit Union
5 Year Regular, IRA & Business Jumbo Certificates
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
Tinker Federal Credit Union
60 Month Term Share (Certificate) / IRA
A+ 5.0 ★ TX: 2.34%
Min: $0
4.40%
Arbuckle Federal Credit Union
48 Month Share Certificates
A+ 5.0 ★ TX: 3.13%
Min: $0
4.36%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Communication Federal Credit Union
18 Month IRA/Share Certificate
A 5.0 ★ TX: 6.32%
Min: $0
4.35%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Oklahoma CD Rate Trends

Compare local Oklahoma CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Oklahoma CD Trends
12-Month CD OK Avg
3.336%
▼ 0.007 vs 7 days ago

Oklahoma 12-month CD rates fell 0.007 points over the past 7 days to 3.336% APY.

6-Month CD OK Avg
3.231%
▼ 0.034 vs 7 days ago

Oklahoma 6-month CD rates fell 0.034 points over the past 7 days to 3.231% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

OK CD Rate Forecast, Next 12 Months

Where are Oklahoma CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

OK 12-Month Avg APY
3.336%
6-Month Forecast
3.336%
Range: 3.14%, 3.49%
12-Month Forecast
3.586%
Range: 3.39%, 3.74%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Oklahoma average 12-month CD APY in our database.

Spread model: The Oklahoma 12-month CD average currently trades 1.04% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.361% $118.03 $236.05 $590.13 $1,180.25
6-Month CD 3.231% $161.56 $323.11 $807.78 $1,615.55
12-Month CD 3.336% $166.81 $333.61 $834.03 $1,668.05
18-Month CD 3.131% $156.53 $313.05 $782.63 $1,565.25
24-Month CD 3.096% $154.81 $309.62 $774.05 $1,548.10
36-Month CD 3.015% $150.77 $301.53 $753.82 $1,507.65
48-Month CD 2.982% $149.10 $298.19 $745.47 $1,490.95
60-Month CD 2.999% $149.97 $299.94 $749.85 $1,499.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Oklahoma Savers

$25,000 split equally across 5 terms using today’s Oklahoma average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit OK Avg APY Annual Earnings
1 3-Month CD $5,000 2.361% $118.03
2 6-Month CD $5,000 3.231% $161.56
3 12-Month CD $5,000 3.336% $166.81
4 24-Month CD $5,000 3.096% $154.81
5 36-Month CD $5,000 3.015% $150.77
Total ($25,000 invested) $25,000 3.008% blended $751.98/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.

Powered byMonitorBankRates
859
CD Rates
Tracked in Oklahoma
50 Banks 43 Credit Unions

About Our Oklahoma CD Rate Database

MonitorBankRates tracks 859 CD rates from 50 banks and 43 credit unions with locations in Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Advancial Federal Credit Union offers a CD at 4.87% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Oklahoma.

How to Find the Best CD Rates in Oklahoma

What to compare when shopping for a CD in Oklahoma

To find the best APYs in Oklahoma, start with credit unions and online-only banks: Oklahoma has 43 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Oklahoma

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Oklahoma: 93 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Oklahoma savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Oklahoma money market rates

Oklahoma Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.3%
National avg: 17.3%
Median Individual Earnings
$40,265
National avg: $47,340
Poverty Rate
15.3%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At OK 12-mo avg 3.336% APY

16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 3.336%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $134 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Oklahoma

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Oklahoma

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Oklahoma typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Oklahoma as everywhere in the U.S.

Choosing a CD Term in Oklahoma

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Oklahoma savers easier access to their funds. For example, The Community State Bank is offering its 6 Month CD at 4.55% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Oklahoma Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Oklahoma saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Oklahoma

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Oklahoma CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Oklahoma

Most CDs carry a fixed rate that is locked for the entire term, protecting a Oklahoma depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Oklahoma

Are CD rates in Oklahoma FDIC insured?

Yes, most established banks in Oklahoma are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Oklahoma?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Oklahoma.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

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

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Oklahoma may offer slightly higher APYs compared to standard CDs.

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

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

What is a CD ladder?

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

Best CD rates in Oklahoma?

Here are recent top rates found for this area:
  • Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
  • Legacy Bank Hinton, OK: 4.67% APY (IRA 18 Month Variable)
  • The Community State Bank: 4.55% APY (6 Month CD)
  • MapleMark Bank: 4.50% APY (18 Month CD)
  • First Oklahoma Bank: 4.50% APY (18-month CD)
  • Tinker Federal Credit Union: 4.40% APY (60 Month Term Share (Certificate) / IRA)
  • Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
  • Arbuckle Federal Credit Union: 4.36% APY (48 Month Share Certificates)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Communication Federal Credit Union: 4.35% APY (18 Month IRA/Share Certificate)
Rates reflect recent verified offers available in Oklahoma. Last Updated: October 23, 2026

Oklahoma CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Oklahoma CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Oklahoma. Averages shown use the Oklahoma state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Oklahoma

Oklahoma CD Calculator

At today’s OK top rate of 4.87% APY, a $10,000 deposit earns $487 in the first year. Enter your amount to see your exact return.

Oklahoma CD Ladder

OK CD rates currently range from 2.361% (3-month) to 3.015% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Oklahoma CD at 4.87% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Oklahoma’s average 12-month CD is 3.336% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oklahoma CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oklahoma directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oklahoma. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OK.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

Oklahoma Rates & Resources

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Cities in Oklahoma

  • Achille
  • Ada
  • Adair
  • Adams
  • Addington
  • Afton
  • Agra
  • Albany
  • Albert
  • Albion
  • Alderson
  • Alex
  • Aline
  • Allen
  • Altus
  • Alva
  • Amber
  • Ames
  • Amorita
  • Anadarko
  • Antlers
  • Apache
  • Arapaho
  • Arcadia
  • Ardmore
  • Arkoma
  • Armstrong
  • Arnett
  • Asher
  • Ashland
  • Atoka
  • Atwood
  • Avant
  • Balko
  • Barnsdall
  • Bartlesville
  • Battiest
  • Bearden
  • Beaver
  • Beggs
  • Bennington
  • Bernice
  • Bessie
  • Bethany
  • Bethel
  • Bethel Acres
  • Big Cabin
  • Billings
  • Binger
  • Bison
  • Bixby
  • Blackburn
  • Blackwell
  • Blair
  • Blanchard
  • Blanco
  • Blocker
  • Bluejacket
  • Boise City
  • Bokchito
  • Bokoshe
  • Boley
  • Boswell
  • Bowlegs
  • Bowring
  • Boynton
  • Bradley
  • Braggs
  • Braman
  • Bray
  • Breckenridge
  • Bridge Creek
  • Bridgeport
  • Bristow
  • Broken Arrow
  • Broken Bow
  • Bromide
  • Brooksville
  • Buffalo
  • Bunch
  • Burbank
  • Burlington
  • Burneyville
  • Burns Flat
  • Butler
  • Byars
  • Byng
  • Byron
  • Cache
  • Caddo
  • Calera
  • Calumet
  • Calvin
  • Camargo
  • Cameron
  • Canadian
  • Caney
  • Canton
  • Canute
  • Cardin
  • Carlton Landing
  • Carmen
  • Carnegie
  • Carney
  • Carrier
  • Carter
  • Cartwright
  • Cashion
  • Castle
  • Catoosa
  • Cedar Valley
  • Cement
  • Centrahoma
  • Central High
  • Chandler
  • Chattanooga
  • Checotah
  • Chelsea
  • Cherokee
  • Chester
  • Cheyenne
  • Chickasha
  • Choctaw
  • Chouteau
  • Cimarron City
  • Claremore
  • Clarita
  • Clayton
  • Clearview
  • Cleo Springs
  • Cleveland
  • Clinton
  • Coalgate
  • Colbert
  • Colcord
  • Cole
  • Coleman
  • Collinsville
  • Colony
  • Comanche
  • Commerce
  • Concho
  • Connerville
  • Cookson
  • Cooperton
  • Copan
  • Cordell
  • Corn
  • Cornish
  • Council Hill
  • Countyline
  • Covington
  • Coweta
  • Coyle
  • Crawford
  • Crescent
  • Cromwell
  • Crowder
  • Cushing
  • Custer City
  • Cyril
  • Dacoma
  • Daisy
  • Davenport
  • Davidson
  • Davis
  • Deer Creek
  • Del City
  • Delaware
  • Depew
  • Devol
  • Dewar
  • Dewey
  • Dibble
  • Dickson
  • Dill City
  • Disney
  • Dodge
  • Dougherty
  • Douglas
  • Dover
  • Drummond
  • Drumright
  • Duke
  • Duncan
  • Durant
  • Durham
  • Dustin
  • Eagletown
  • Eakly
  • Earlsboro
  • East Duke
  • Edmond
  • El Reno
  • Eldorado
  • Elgin
  • Elk City
  • Elmer
  • Elmore City
  • Empire City
  • Enid
  • Erick
  • Etowah
  • Eucha
  • Eufaula
  • Fair Oaks
  • Fairfax
  • Fairland
  • Fairmont
  • Fairview
  • Fallis
  • Fanshawe
  • Fargo
  • Faxon
  • Fay
  • Felt
  • Finley
  • Fittstown
  • Fitzhugh
  • Fletcher
  • Foraker
  • Forest Park
  • Forgan
  • Fort Cobb
  • Fort Coffee
  • Fort Gibson
  • Fort Sill
  • Fort Supply
  • Fort Towson
  • Foss
  • Foster
  • Fox
  • Foyil
  • Francis
  • Frederick
  • Freedom
  • Friendship
  • Gage
  • Gans
  • Garber
  • Garvin
  • Gate
  • Geary
  • Gene Autry
  • Geronimo
  • Gerty
  • Glencoe
  • Glenpool
  • Golden
  • Goldsby
  • Goltry
  • Goodwell
  • Gore
  • Gotebo
  • Gould
  • Gowen
  • Gracemont
  • Graham
  • Grainola
  • Grand Lake Towne
  • Grandfield
  • Granite
  • Grant
  • Grayson
  • Greenfield
  • Grove
  • Guthrie
  • Guymon
  • Haileyville
  • Hallett
  • Hammon
  • Hanna
  • Hardesty
  • Harrah
  • Hartshorne
  • Haskell
  • Hastings
  • Haworth
  • Headrick
  • Healdton
  • Heavener
  • Helena
  • Hendrix
  • Hennepin
  • Hennessey
  • Henryetta
  • Hickory
  • Hillsdale
  • Hinton
  • Hitchcock
  • Hitchita
  • Hobart
  • Hochatown
  • Hodgen
  • Hoffman
  • Holdenville
  • Hollis
  • Hollister
  • Hominy
  • Honobia
  • Hooker
  • Hopeton
  • Horntown
  • Howe
  • Hoyt
  • Hugo
  • Hulbert
  • Hunter
  • Hydro
  • Idabel
  • Indiahoma
  • Indianola
  • Inola
  • Isabella
  • IXL
  • Jay
  • Jefferson
  • Jenks
  • Jennings
  • Jet
  • Johnson
  • Jones
  • Kansas
  • Katie
  • Kaw City
  • Kellyville
  • Kemp
  • Kendrick
  • Kenefic
  • Kenton
  • Keota
  • Kerrick
  • Ketchum
  • Keyes
  • Kiefer
  • Kildare
  • Kingfisher
  • Kingston
  • Kinta
  • Kiowa
  • Knowles
  • Konawa
  • Krebs
  • Kremlin
  • Lahoma
  • Lake Aluma
  • Lamar
  • Lambert
  • Lamont
  • Lane
  • Langley
  • Langston
  • Laverne
  • Lawrence Creek
  • Lawton
  • Lebanon
  • Leedey
  • Leflore
  • Lehigh
  • Lenapah
  • Leon
  • Leonard
  • Lequire
  • Lexington
  • Liberty
  • Lima
  • Lindsay
  • Loco
  • Locust Grove
  • Lone Chimney
  • Lone Grove
  • Lone Wolf
  • Longdale
  • Lookeba
  • Lotsee
  • Loveland
  • Loyal
  • Lucien
  • Luther
  • Macomb
  • Madill
  • Manchester
  • Mangum
  • Manitou
  • Mannford
  • Mannsville
  • Maramec
  • Marble City
  • Marietta
  • Marland
  • Marlow
  • Marshall
  • Martha
  • Maud
  • May
  • Mayfield
  • Maysville
  • Mazie
  • Mcalester
  • McCord
  • Mccurtain
  • Mcloud
  • Mead
  • Medford
  • Medicine Park
  • Meeker
  • Meers
  • Meno
  • Meridian
  • Miami
  • Midwest City
  • Milburn
  • Milfay
  • Mill Creek
  • Millerton
  • Minco
  • Moffett
  • Monroe
  • Moodys
  • Moore
  • Mooreland
  • Morris
  • Morrison
  • Mounds
  • Mountain Park
  • Mountain View
  • Moyers
  • Muldrow
  • Mule Barn
  • Mulhall
  • Muse
  • Muskogee
  • Mustang
  • Mutual
  • Nardin
  • Nash
  • Nashoba
  • New Alluwe
  • New Cordell
  • Newalla
  • Newcastle
  • Newkirk
  • Nichols Hills
  • Nicoma Park
  • Ninnekah
  • Noble
  • Norge
  • Norman
  • North Enid
  • North Miami
  • Nowata
  • Oakhurst
  • Oakland
  • Oaks
  • Oakwood
  • Ochelata
  • Oilton
  • Okarche
  • Okay
  • Okeene
  • Okemah
  • Oklahoma City
  • Okmulgee
  • Oktaha
  • Olustee
  • Omega
  • Oologah
  • Optima
  • Orlando
  • Osage
  • Oscar
  • Overbrook
  • Owasso
  • Paden
  • Panama
  • Panola
  • Paoli
  • Paradise Hill
  • Park Hill
  • Pauls Valley
  • Pawhuska
  • Pawnee
  • Peggs
  • Pensacola
  • Peoria
  • Perkins
  • Pernell
  • Perry
  • Phillips
  • Picher
  • Pickens
  • Piedmont
  • Pink
  • Pittsburg
  • Platter
  • Pocasset
  • Pocola
  • Ponca City
  • Pond Creek
  • Porter
  • Porum
  • Poteau
  • Prague
  • Preston
  • Proctor
  • Prue
  • Pryor
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