What are the best CD rates in Oklahoma?

Here are recent top rates found for this area: Bank of the Panhandle : 4.84% APY (Certificates of Deposit - 6 Months) MapleMark Bank : 4.40% APY (36 Month CD) The Community State Bank : 4.30% APY (6 Month CD) Bank of Commerce Duncan, OK : 4.25% APY (36 Month IRA) First Pryority Bank : 4.25% APY (36 Month Certificate) Exchange Bank and Trust Company : 4.06% APY (18 Month CD) Regent Bank (OK) : 4.05% APY (12 Month Certificate) Frontier State Bank : 4.01% APY (6 Month Certificate) Washita State Bank : 4.01% APY (6 Month Certificate) Mercy Credit Union : 4.00% APY (18 Month Certificate)

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

MonitorBankRates

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iAdvertiser Disclosure CD Rate Trends

Oklahoma Best CD Rates September 2026

Q: Are CD rates in Oklahoma FDIC insured?

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

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

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

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

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

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

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

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

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 9, 2026

Current Oklahoma CD rates include Bank of the PanhandleBank of the Panhandle1223 N Main St, Guymon, OK 73942A5.0 ★Texas Ratio: 12.98%Real return: +2.04%APY minus CPI (February 2026) offering Certificates of Deposit - 6 Months at 4.84% APY, MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, The Community State BankThe Community State Bank405 Us Highway 271, Wister, OK 74966A+5.0 ★Texas Ratio: 3.71%Real return: +1.50%APY minus CPI (February 2026) offering 6 Month CD at 4.30% APY, Bank of Commerce Duncan, OKBank of Commerce Duncan, OK110 W Oklahoma Ave, Anadarko, OK 73005B+4.7 ★Texas Ratio: 18.17%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month IRA at 4.25% APY, and First Pryority BankFirst Pryority Bank310 E Graham Ave, Pryor, OK 74361A-5.0 ★Texas Ratio: 14.96%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month Certificate at 4.25% APY. CD rates as of September 9, 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 4.84% APY from Bank of the Panhandle at 1223 N Main St, Guymon, OK 73942. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026

Compare Best CD Rates in Oklahoma

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

Oklahoma 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week

View 3-month CD rate trend

The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 90 Days

4.84% ▲ 2.85% above national avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average1.99%▲ 2.85% above avg

Details

$1,000 - $49,999

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month CD

3.75% ▲ 1.76% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average1.99%▲ 1.76% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month CD

3.65% ▲ 1.66% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average1.99%▲ 1.66% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

3 Month (90 Day) CD

3.60% ▲ 1.61% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▲ 1.61% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

3 Month CD

3.55% ▲ 1.56% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average1.99%▲ 1.56% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

3 Month Special

$1,000

3.50% ▲ 1.51% above national avg

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average1.99%▲ 1.51% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

3 months

3.50% ▲ 1.51% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average1.99%▲ 1.51% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 3 Months

3.41% ▲ 1.42% above national avg

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▲ 1.42% above avg

Details

$100,000

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

3 Month Certificate

3.41% ▲ 1.42% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average1.99%▲ 1.42% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

3 mo

$50,000

3.40% ▲ 1.41% above national avg

View

▼

Rate3.30%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▲ 1.41% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

3 mo

$1,000

3.35% ▲ 1.36% above national avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▲ 1.36% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 3 Months

3.30% ▲ 1.31% above national avg

View

▼

Rate3.26%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▲ 1.31% above avg

Details

$1,000 - $99,999

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

3 mo

$1,000

3.30% ▲ 1.31% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▲ 1.31% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 3 Month

3.25% ▲ 1.26% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▲ 1.26% above avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

3 Month Certificate

3.15% ▲ 1.16% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average1.99%▲ 1.16% above avg

Details

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% ▲ 1.01% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average1.99%▲ 1.01% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3-month Jumbo Certificate

$100,000

2.95% ▲ 0.96% above national avg

View

▼

Rate2.92%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▲ 0.96% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

3-month Certificate

$1,000

2.90% ▲ 0.91% above national avg

View

▼

Rate2.87%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▲ 0.91% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 3 Month

2.27% ▲ 0.28% above national avg

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average1.99%▲ 0.28% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

3 Month CD

$1,000

2.25% ▲ 0.26% above national avg

View

▼

Rate2.23%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average1.99%▲ 0.26% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

3 Month Certificate

$1,000

2.02% ▲ 0.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average1.99%▲ 0.03% above avg

Details

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

3 Month Certificate

2.00% ▲ 0.01% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average1.99%▲ 0.01% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

3 Months

$1,000

1.50% ▼ 0.49% below national avg

View

▼

Rate1.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average1.99%▼ 0.49% below avg

Details

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

90 Days SCA

1.30% ▼ 0.69% below national avg

View

▼

Rate1.29%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average1.99%▼ 0.69% below avg

Details

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

30-90 Day CD

1.16% ▼ 0.83% below national avg

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▼ 0.83% below avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

3 Month Certificate

1.16% ▼ 0.83% below national avg

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average1.99%▼ 0.83% below avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

3 Month Certificate

$1,000

1.16% ▼ 0.83% below national avg

View

▼

Rate1.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average1.99%▼ 0.83% below avg

Details

Saint Francis Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

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

IRA Certificate 3 Month

1.13% ▼ 0.86% below national avg

View

▼

Rate1.12%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average1.99%▼ 0.86% below avg

Details

AVB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

322 S Main St, Broken Arrow, OK 74012

91-Days (3-Month)

$2,500

1.12% ▼ 0.87% below national avg

View

▼

Rate1.12%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average1.99%▼ 0.87% below avg

Details

FNB Community Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.65%

2911 S Air Depot Blvd, Midwest City, OK 73110

3 Month CD

$1,000

0.80% ▼ 1.19% below national avg

View

▼

Rate0.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average1.99%▼ 1.19% below avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 3 Months

0.50% ▼ 1.49% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average1.99%▼ 1.49% below avg

Details

First Bank of Thomas

Institution Rating:

A5.0 ★Texas Ratio: 8.57%

301 W Broadway St, Thomas, OK 73669

3 Month Certificate

0.20% ▼ 1.79% below national avg

View

▼

Rate0.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average1.99%▼ 1.79% below avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

3 Month Certificate

$1,000

0.10% ▼ 1.89% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average1.99%▼ 1.89% below avg

Details

Oklahoma 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week

View 6-month CD rate trend

The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 6 Months

4.84% ▲ 2.17% above national avg

View

▼

Rate4.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 2.17% above avg

Details

$1,000 - $49,999

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

6 Month CD

4.30% ▲ 1.63% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 1.63% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

6 Month Certificate

$1,000

4.05% ▲ 1.38% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 1.38% above avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

6 Month Certificate

4.01% ▲ 1.34% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.34% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

6 Month Certificate

$1,000

4.01% ▲ 1.34% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.34% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month CD

3.96% ▲ 1.29% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.29% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

6 Month CD

3.90% ▲ 1.23% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 1.23% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6-month Jumbo Certificate

$100,000

3.85% ▲ 1.18% above national avg

View

▼

Rate3.80%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 1.18% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month CD

3.85% ▲ 1.18% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.18% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 6 Months

3.82% ▲ 1.15% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 1.15% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

6 Month Certificate

$1,000

3.80% ▲ 1.13% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▲ 1.13% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

6 Month (180 Day) CD

3.75% ▲ 1.08% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 1.08% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

6 Month CD

3.75% ▲ 1.08% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.08% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

6 Months

$1,000

3.75% ▲ 1.08% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.08% above avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

6 Month Certificate

3.71% ▲ 1.04% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.04% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

6 Month Certificate

$1,000

3.70% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.03% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

6 Month CD

$100,000

3.66% ▲ 0.99% above national avg

View

▼

Rate3.60%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 0.99% above avg

Details

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

SSB Seiling State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

301 N Main St, Seiling, OK 73663

CDs & IRAs - 6 Months

3.66% ▲ 0.99% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.99% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

6-month Certificate

$1,000

3.65% ▲ 0.98% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.98% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

6 months

3.61% ▲ 0.94% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.94% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

6 Month CD

$1,500

3.61% ▲ 0.94% above national avg

View

▼

Rate3.55%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 0.94% above avg

Details

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

Union State Bank Arkansas City, KS

Institution Rating:

A+5.0 ★Texas Ratio: 1.08%

4110 Nowata Rd, Bartlesville, OK 74006

6-Month CD Special

3.60% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.93% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

6-month CD

3.60% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.93% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

6 Month Special

$1,000

3.60% ▲ 0.93% above national avg

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.93% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

6 Month IRA

3.56% ▲ 0.89% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.89% above avg

Details

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

6 Month Certificate

3.51% ▲ 0.84% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 0.84% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 6 Months

3.50% ▲ 0.83% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.83% above avg

Details

$100,000

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 6 Month

3.50% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.83% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

6 Month CD

$500

3.50% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.83% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

6 months

3.50% ▲ 0.83% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.83% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

6 Month Certificate

3.45% ▲ 0.78% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.78% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 6 Months

3.40% ▲ 0.73% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.73% above avg

Details

$1,000 - $99,999

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

6 mo

$1,000

3.40% ▲ 0.73% above national avg

View

▼

Rate3.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.73% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

6 mo

$1,000

3.35% ▲ 0.68% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.68% above avg

Details

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

6 Month IRA/Share Certificate

3.30% ▲ 0.63% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.63% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

6 Month Certificate

3.30% ▲ 0.63% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.63% above avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

6 Month Certificate

3.30% ▲ 0.63% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.63% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 6 Month

3.14% ▲ 0.47% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.47% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

6 Month CD

$1,000

3.10% ▲ 0.43% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.43% above avg

Details

Bison Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

2 W Macarthur St, Shawnee, OK 74804 2026

6 Month Certificate

$500

3.04% ▲ 0.37% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.37% above avg

Details

Bison Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

2 W Macarthur St, Shawnee, OK 74804 2026

IRA Certificate Account 6 Month

$500

3.04% ▲ 0.37% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.37% above avg

Details

Otoe-Missouria Federal Credit Union

Institution Rating:

B4.7 ★Texas Ratio: 19.14%

7480 Highway 177 Ste A, Red Rock, OK 74651

6 months

3.04% ▲ 0.37% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.37% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

6 month Jumbo Certificate

3.00% ▲ 0.33% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.33% above avg

Details

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

6 Month SCA

3.00% ▲ 0.33% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.33% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

6 month Certificate

2.95% ▲ 0.28% above national avg

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.28% above avg

Details

Fort Sill Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

3283 Sheridan Road, Fort Sill, OK 73503

IRA SHARE CERTIFICATES / SHARE CERTIFICATES 6 Month

2.79% ▲ 0.12% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.12% above avg

Details

Intrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.22%

100 S Broadway St, Moore, OK 73160

6-month CD

$500

2.70% ▲ 0.03% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.03% above avg

Details

FDIC insured up to maximum amount allowed.

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 6 Months

$2,500

2.60% ▼ 0.07% below national avg

View

▼

Rate2.58%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▼ 0.07% below avg

Details

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

6 Month Certificate

2.50% ▼ 0.17% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▼ 0.17% below avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

6 Month CD

$1,000

2.50% ▼ 0.17% below national avg

View

▼

Rate2.47%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▼ 0.17% below avg

Details

Oklahoma 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week

View 12-month CD rate trend

The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 12 Months

4.58% ▲ 1.74% above national avg

View

▼

Rate4.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 1.74% above avg

Details

$1,000 - $49,999

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

12 Month CD

4.16% ▲ 1.32% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 1.32% above avg

Details

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

12 Month CD

4.15% ▲ 1.31% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 1.31% above avg

Details

APY as high as

The Community State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

405 Us Highway 271, Wister, OK 74966

12 Month CD

4.11% ▲ 1.27% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 1.27% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

12 Month Certificate

$1,000

4.05% ▲ 1.21% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 1.21% above avg

Details

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

12 Month Certificate

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.92%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 1.16% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

12 Month IRA

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 1.16% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

1 Year CD

4.00% ▲ 1.16% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.84%▲ 1.16% above avg

Details

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 12 Months

$2,500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 1.16% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

1 Year CD

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.84%▲ 1.12% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

12 Month CD

3.95% ▲ 1.11% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 1.11% above avg

Details

Interest Paid: Quarterly

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

12 Month CD (also IRA)

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 1.06% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

12 Month Certificate

$1,000

3.80% ▲ 0.96% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.84%▲ 0.96% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

12 Month CD

3.80% ▲ 0.96% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.96% above avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

12 Month Certificate

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.84%▲ 0.96% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

12 Month Certificate

$1,000

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.96% above avg

Details

Elevate Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.93%

1329 E Main St, Pawhuska, OK 74056

1 YEAR CD

3.79% ▲ 0.95% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.95% above avg

Details

Compounding Frequency: SEMI ANNUALLY

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

12-month Jumbo Certificate

$100,000

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.91% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 12 Month

3.75% ▲ 0.91% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.91% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

12-month CD

3.75% ▲ 0.91% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 0.91% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

12 Month Special

$1,000

3.75% ▲ 0.91% above national avg

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 0.91% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

12 Month IRA

3.72% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 0.88% above avg

Details

Union State Bank Arkansas City, KS

Institution Rating:

A+5.0 ★Texas Ratio: 1.08%

4110 Nowata Rd, Bartlesville, OK 74006

12-Month CD Special

3.70% ▲ 0.86% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.86% above avg

Details

Valor Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

1501 Renaissance Blvd, Edmond, OK 73013

12-Month CD

3.65% ▲ 0.81% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.81% above avg

Details

Penalty for early withdrawal.

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

12 Month Certificate

3.61% ▲ 0.77% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 0.77% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

12 Month CD

$100,000

3.61% ▲ 0.77% above national avg

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.77% above avg

Details

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

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 12 Months

3.60% ▲ 0.76% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.76% above avg

Details

$100,000

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

12 mo

$1,000

3.60% ▲ 0.76% above national avg

View

▼

Rate3.49%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.76% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 12 Months

3.56% ▲ 0.72% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 0.72% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

12 Month CD

$1,500

3.56% ▲ 0.72% above national avg

View

▼

Rate3.50%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.72% above avg

Details

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

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

12 Month Certificate

3.56% ▲ 0.72% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.72% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

12 mo

$1,000

3.55% ▲ 0.71% above national avg

View

▼

Rate3.49%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.84%▲ 0.71% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

12 Month Certificate

$1,000

3.55% ▲ 0.71% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.71% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

12 months

3.51% ▲ 0.67% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.67% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

12 months Pee Wee/Teen

3.51% ▲ 0.67% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.67% above avg

Details

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

12 Month Certificate

3.51% ▲ 0.67% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.84%▲ 0.67% above avg

Details

SSB Seiling State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

301 N Main St, Seiling, OK 73663

CDs & IRAs - 12 Months

3.51% ▲ 0.67% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 0.67% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

12-month Certificate

$1,000

3.50% ▲ 0.66% above national avg

View

▼

Rate3.46%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.66% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 12 Months

3.50% ▲ 0.66% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.66% above avg

Details

$1,000 - $99,999

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

12 Month Certificate

3.50% ▲ 0.66% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.84%▲ 0.66% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

12 Months

$1,000

3.50% ▲ 0.66% above national avg

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.84%▲ 0.66% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

1 Year Certificate

3.40% ▲ 0.56% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 0.56% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 12 Month

3.34% ▲ 0.50% above national avg

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.84%▲ 0.50% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

12 Month CD

$500

3.30% ▲ 0.46% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 0.46% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

12 months

3.30% ▲ 0.46% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 0.46% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

12 Month CD

$1,000

3.25% ▲ 0.41% above national avg

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.84%▲ 0.41% above avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

12 Month Certificate

3.20% ▲ 0.36% above national avg

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.84%▲ 0.36% above avg

Details

Bison Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

2 W Macarthur St, Shawnee, OK 74804 2026

1 Year Certificate

$500

3.14% ▲ 0.30% above national avg

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.30% above avg

Details

Bison Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

2 W Macarthur St, Shawnee, OK 74804 2026

IRA Certificate Account 1 Year

$500

3.14% ▲ 0.30% above national avg

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.30% above avg

Details

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

7-12 Month SCA

3.10% ▲ 0.26% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.84%▲ 0.26% above avg

Details

Oklahoma 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week

View 18-month CD rate trend

The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

18 Month CD

4.30% ▲ 1.63% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 1.63% above avg

Details

APY as high as

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month CD

4.06% ▲ 1.39% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.39% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

18 Month CD

4.05% ▲ 1.38% above national avg

View

▼

Rate3.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 1.38% above avg

Details

Interest Paid: Quarterly

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

18 Month IRA

4.05% ▲ 1.38% above national avg

View

▼

Rate3.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 1.38% above avg

Details

Interest Paid: Quarterly

Mercy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

4200 W Memorial Rd, Oklahoma City, OK 73120

18 Month Certificate

4.00% ▲ 1.33% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▲ 1.33% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

18 Month Certificate

$1,000

4.00% ▲ 1.33% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.33% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

18 Month CD

3.96% ▲ 1.29% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 1.29% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month CD

3.96% ▲ 1.29% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.29% above avg

Details

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

18 Month IRA/Share Certificate

3.90% ▲ 1.23% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 1.23% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

18 Month IRA

3.87% ▲ 1.20% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 1.20% above avg

Details

SpiritBank

Institution Rating:

A5.0 ★Texas Ratio: 6.48%

4815 S Harvard Ave, Tulsa, OK 74135

IRA variable 18-month

3.86% ▲ 1.19% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 1.19% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

18 Month CD

3.85% ▲ 1.18% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 1.18% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

18-month CD

3.85% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 1.18% above avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

18 Month Certificate

$1,000

3.80% ▲ 1.13% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▲ 1.13% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 18 Months

3.80% ▲ 1.13% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 1.13% above avg

Details

$1,000 - $49,999

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

18 Month Certificate

3.76% ▲ 1.09% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 1.09% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 18 Months

3.45% ▲ 0.78% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.78% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

18 months

3.40% ▲ 0.73% above national avg

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.73% above avg

Details

City National B&T Co. of Lawton, OK

Institution Rating:

B4.6 ★Texas Ratio: 19.53%

500 Montgomery Sq, Lawton, OK 73501

18 Month Certificate

$500

3.30% ▲ 0.63% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.63% above avg

Details

FIXED RATE - Compounding Monthly

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

18 Month CD

$1,000

3.30% ▲ 0.63% above national avg

View

▼

Rate3.25%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.63% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

18 month IRA Certificates

3.25% ▲ 0.58% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.58% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 18 Month

3.24% ▲ 0.57% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▲ 0.57% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18-month Jumbo Certificate

$100,000

3.20% ▲ 0.53% above national avg

View

▼

Rate3.16%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.53% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

18 mo

$1,000

3.20% ▲ 0.53% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.53% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

18-month Certificate

$1,000

3.15% ▲ 0.48% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.48% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

18 mo

$1,000

3.15% ▲ 0.48% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.67%▲ 0.48% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

18 month Jumbo Certificate

3.10% ▲ 0.43% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.43% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

18 month Certificate

3.05% ▲ 0.38% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.67%▲ 0.38% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

18 Months

$1,000

3.05% ▲ 0.38% above national avg

View

▼

Rate3.05%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 0.38% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

18 Month IRA Fixed & Roth & Education

$250

3.05% ▲ 0.38% above national avg

View

▼

Rate3.00%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.38% above avg

Details

Fixed Rate

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business 18 Month IRA Fixed & Roth & Education

$250

3.05% ▲ 0.38% above national avg

View

▼

Rate3.00%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.38% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

18 months

3.05% ▲ 0.38% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.38% above avg

Details

The Bank of the West

Institution Rating:

A-5.0 ★Texas Ratio: 15.15%

401 South Main Street, Leedey, OK 73654

18 Month IRA Variable Rate Certificate of Deposit

3.04% ▲ 0.37% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 0.37% above avg

Details

Term: 18 Month IRA Variable Rate

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

18 Month Certificate

3.04% ▲ 0.37% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 0.37% above avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

18 Month Certificate

3.04% ▲ 0.37% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▲ 0.37% above avg

Details

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 18 Months

$1,000

3.00% ▲ 0.33% above national avg

View

▼

Rate2.97%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.33% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

18 Month Certificate

$1,000

2.98% ▲ 0.31% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.31% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

18 Month CD

$1,000

2.90% ▲ 0.23% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.23% above avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

18 Month Certificate

2.84% ▲ 0.17% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.17% above avg

Details

The Bank of the West

Institution Rating:

A-5.0 ★Texas Ratio: 15.15%

401 South Main Street, Leedey, OK 73654

18 Months Certificate of Deposit

2.79% ▲ 0.12% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▲ 0.12% above avg

Details

Credit Union One Of Oklahoma Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.31%

3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406

Share Certificates 18 Month

2.78% ▲ 0.11% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▲ 0.11% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

18 Month IRA Variable

$250

2.75% ▲ 0.08% above national avg

View

▼

Rate2.71%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.08% above avg

Details

Variable Rate

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business 18 Month IRA Variable

$250

2.75% ▲ 0.08% above national avg

View

▼

Rate2.71%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.67%▲ 0.08% above avg

Details

SSB Seiling State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

301 N Main St, Seiling, OK 73663

CDs & IRAs - 18 Months

2.68% ▲ 0.01% above national avg

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▲ 0.01% above avg

Details

AVB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

322 S Main St, Broken Arrow, OK 74012

18 Month Certificate

$1,000

2.60% ▼ 0.07% below national avg

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.67%▼ 0.07% below avg

Details

The Stock Exchange Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.22%

1117 10th St, Woodward, OK 73801

18 Month IRA Certificate

$500

2.53% ▼ 0.14% below national avg

View

▼

Rate2.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▼ 0.14% below avg

Details

Credit Union One Of Oklahoma Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.31%

3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406

Share Certificates 18 Month

2.53% ▼ 0.14% below national avg

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.67%▼ 0.14% below avg

Details

Saint Francis Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

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

IRA Certificate 18 Month

2.45% ▼ 0.22% below national avg

View

▼

Rate2.42%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.67%▼ 0.22% below avg

Details

Lakeside Bank of Salina

Institution Rating:

B-4.3 ★Texas Ratio: 23.04%

103 W Ferry St, Salina, OK 74365

18 Month Certificate

2.38% ▼ 0.29% below national avg

View

▼

Rate2.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.67%▼ 0.29% below avg

Details

Intrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.22%

100 S Broadway St, Moore, OK 73160

18-month CD

$500

2.30% ▼ 0.37% below national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.67%▼ 0.37% below avg

Details

FDIC insured up to maximum amount allowed.

Oklahoma 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week

View 24-month CD rate trend

The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

24 Month CD

4.30% ▲ 1.59% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 1.59% above avg

Details

APY as high as

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

24 Month CD

4.15% ▲ 1.44% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.71%▲ 1.44% above avg

Details

Interest Paid: Quarterly

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

24 Month IRA

4.15% ▲ 1.44% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.71%▲ 1.44% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month CD

4.06% ▲ 1.35% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.71%▲ 1.35% above avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

24 Month Certificate

$1,000

4.05% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 1.34% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

24 Month Certificate

$1,000

4.05% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 1.34% above avg

Details

First Oklahoma Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.61%

100 S Riverfront Dr, Jenks, OK 74037

24-month CD

4.00% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 1.29% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

24 Month CD

3.96% ▲ 1.25% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.71%▲ 1.25% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month CD

3.96% ▲ 1.25% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.71%▲ 1.25% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

24 Month IRA

3.87% ▲ 1.16% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 1.16% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

24 Month CD

3.85% ▲ 1.14% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.71%▲ 1.14% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

24 Month Special

$1,000

3.85% ▲ 1.14% above national avg

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 1.14% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

24 Month IRA

3.80% ▲ 1.09% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 1.09% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 24 Months

3.76% ▲ 1.05% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 1.05% above avg

Details

$100,000

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

24 Month Certificate (2 Year)

3.76% ▲ 1.05% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 1.05% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 24 Months

3.65% ▲ 0.94% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.94% above avg

Details

$1,000 - $99,999

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

2 Year IRA/Share Certificate

3.60% ▲ 0.89% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.89% above avg

Details

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 24 Months

3.60% ▲ 0.89% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.89% above avg

Details

$1,000 - $49,999

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

$100,000

3.56% ▲ 0.85% above national avg

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.85% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month IRA Certificate

$100,000

3.56% ▲ 0.85% above national avg

View

▼

Rate3.50%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.85% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

$10,000

3.51% ▲ 0.80% above national avg

View

▼

Rate3.45%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.80% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month IRA Certificate

$10,000

3.51% ▲ 0.80% above national avg

View

▼

Rate3.45%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.80% above avg

Details

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

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 24 Month

3.50% ▲ 0.79% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.79% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month Bump CD

$1,500

3.45% ▲ 0.74% above national avg

View

▼

Rate3.40%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.74% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

24 Month IRA Certificate

$1,500

3.45% ▲ 0.74% above national avg

View

▼

Rate3.40%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.74% above avg

Details

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

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Jumbo Boost Certificate

$100,000

3.40% ▲ 0.69% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.69% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Jumbo Certificate

$100,000

3.40% ▲ 0.69% above national avg

View

▼

Rate3.36%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.69% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

24 Month CD

$1,000

3.35% ▲ 0.64% above national avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 0.64% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

24 months

3.30% ▲ 0.59% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.59% above avg

Details

City National B&T Co. of Lawton, OK

Institution Rating:

B4.6 ★Texas Ratio: 19.53%

500 Montgomery Sq, Lawton, OK 73501

24 Month Certificate

$500

3.30% ▲ 0.59% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.71%▲ 0.59% above avg

Details

FIXED RATE - Compounding Monthly

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

24 Month CD (also IRA)

3.25% ▲ 0.54% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.54% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 24 Month

3.14% ▲ 0.43% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 0.43% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

24 month Jumbo Certificate & IRA

3.10% ▲ 0.39% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.39% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Boost Certificate

$1,000

3.10% ▲ 0.39% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.39% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

24-month Certificate

$1,000

3.10% ▲ 0.39% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.39% above avg

Details

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 24 Months

$1,000

3.10% ▲ 0.39% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.39% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

24 month Certificate & IRA

3.05% ▲ 0.34% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.71%▲ 0.34% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 24 Months

3.05% ▲ 0.34% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 0.34% above avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

24 Month Certificate

3.04% ▲ 0.33% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.33% above avg

Details

Community National Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 6.38%

709 E Prospect Ave, Ponca City, OK 74601

24 Month Bump Special

3.02% ▲ 0.31% above national avg

View

▼

Rate2.99%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 0.31% above avg

Details

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

24 Month Certificate

$1,000

3.00% ▲ 0.29% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 0.29% above avg

Details

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

2 Year Certificate

3.00% ▲ 0.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 0.29% above avg

Details

Gateway First Bank

Institution Rating:

C+4.0 ★Texas Ratio: 26.57%

220 N Main St, Helena, OK 73741

24 months

3.00% ▲ 0.29% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.29% above avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

24 Months

$1,000

2.95% ▲ 0.24% above national avg

View

▼

Rate2.95%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.71%▲ 0.24% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

24 Month CD

$1,000

2.95% ▲ 0.24% above national avg

View

▼

Rate2.91%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.71%▲ 0.24% above avg

Details

Fort Sill Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

3283 Sheridan Road, Fort Sill, OK 73503

IRA SHARE CERTIFICATES / SHARE CERTIFICATES 2 Year

2.89% ▲ 0.18% above national avg

View

▼

Rate2.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.71%▲ 0.18% above avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

24 Month Certificate

2.84% ▲ 0.13% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.13% above avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

24 Month Trade-A-Rate

2.84% ▲ 0.13% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.13% above avg

Details

Term: 24 Month Trade-A-Rate

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

24 Month CD

$1,000

2.80% ▲ 0.09% above national avg

View

▼

Rate2.76%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.71%▲ 0.09% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

2-Year Share or IRA Certificate

2.78% ▲ 0.07% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.71%▲ 0.07% above avg

Details

Oklahoma 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week

View 36-month CD rate trend

The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

MapleMark Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

2431 E 61st St, Tulsa, OK 74136

36 Month CD

4.40% ▲ 1.76% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 1.76% above avg

Details

APY as high as

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

36 Month IRA

4.25% ▲ 1.61% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 1.61% above avg

Details

Interest Paid: Quarterly

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

36 Month Certificate

$1,000

4.25% ▲ 1.61% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▲ 1.61% above avg

Details

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

36 Month CD

4.15% ▲ 1.51% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 1.51% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Escalator CD

4.06% ▲ 1.42% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.64%▲ 1.42% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Escalator CD

3.96% ▲ 1.32% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.64%▲ 1.32% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

36 Month IRA

3.87% ▲ 1.23% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 1.23% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

36 Month Escalator CD

3.85% ▲ 1.21% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.64%▲ 1.21% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 36 Months

3.80% ▲ 1.16% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 1.16% above avg

Details

$100,000

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

36 Month CD

3.80% ▲ 1.16% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 1.16% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

36 Month Certificate (3 Year)

3.76% ▲ 1.12% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 1.12% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 36 Months

3.70% ▲ 1.06% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 1.06% above avg

Details

$1,000 - $99,999

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 36 Month

3.55% ▲ 0.91% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.91% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36-month Jumbo Certificate

$100,000

3.35% ▲ 0.71% above national avg

View

▼

Rate3.31%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.71% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

$100,000

3.35% ▲ 0.71% above national avg

View

▼

Rate3.30%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▲ 0.71% above avg

Details

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

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

36-month Certificate

$1,000

3.30% ▲ 0.66% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.66% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

$10,000

3.30% ▲ 0.66% above national avg

View

▼

Rate3.25%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▲ 0.66% above avg

Details

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

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

36 months

3.25% ▲ 0.61% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.61% above avg

Details

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

3 Year IRA/Share Certificate

3.25% ▲ 0.61% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.61% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 36 Month

3.25% ▲ 0.61% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.61% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

36 Month CD

$1,500

3.25% ▲ 0.61% above national avg

View

▼

Rate3.20%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▲ 0.61% above avg

Details

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

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

36 Month Certificate

$1,000

3.25% ▲ 0.61% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.64%▲ 0.61% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

36 Month IRA Fixed

$250

3.20% ▲ 0.56% above national avg

View

▼

Rate3.15%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.64%▲ 0.56% above avg

Details

Fixed Rate

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

Business 36 Month IRA Fixed

$250

3.20% ▲ 0.56% above national avg

View

▼

Rate3.15%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.64%▲ 0.56% above avg

Details

Saint Francis Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

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

IRA Certificate 36 Month

3.17% ▲ 0.53% above national avg

View

▼

Rate3.12%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.53% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

36 month Jumbo Certificate & IRA

3.15% ▲ 0.51% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.51% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

36 Month CD

$1,000

3.15% ▲ 0.51% above national avg

View

▼

Rate3.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.51% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

36 month Certificate & IRA

3.10% ▲ 0.46% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▲ 0.46% above avg

Details

Community Bank Bristow, OK

Institution Rating:

A5.0 ★Texas Ratio: 8.83%

104 S Main St, Bristow, OK 74010

Certificates of deposit - 36 Months

$1,000

3.10% ▲ 0.46% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.46% above avg

Details

Encentus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.29%

1320 S Lewis Ave, Tulsa, OK 74104 4205

Share & IRA Certificates 36 Months

3.05% ▲ 0.41% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.41% above avg

Details

American Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

301 North Choctaw, Beggs, OK 74421

36 Month CD

$1,000

3.05% ▲ 0.41% above national avg

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.64%▲ 0.41% above avg

Details

City National B&T Co. of Lawton, OK

Institution Rating:

B4.6 ★Texas Ratio: 19.53%

500 Montgomery Sq, Lawton, OK 73501

36 Month Certificate

$500

3.04% ▲ 0.40% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.40% above avg

Details

FIXED RATE - Compounding Monthly

Bank of the Panhandle

Institution Rating:

A5.0 ★Texas Ratio: 12.98%

1223 N Main St, Guymon, OK 73942

Certificates of Deposit - 36 Months

3.03% ▲ 0.39% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.39% above avg

Details

$1,000 - $49,999

First Family Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.09%

402 E Main St, Henryetta, OK 74437

3 Year Certificate

3.00% ▲ 0.36% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.36% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

36 Month CD

3.00% ▲ 0.36% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.36% above avg

Details

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

36 Month Certificate

$1,000

2.85% ▲ 0.21% above national avg

View

▼

Rate2.81%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.21% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

3-Year Share or IRA Certificate

2.83% ▲ 0.19% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.19% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

36 Month CD

$1,000

2.80% ▲ 0.16% above national avg

View

▼

Rate2.76%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.16% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

IRA Roth and Education Certificate - 36 Month

$250

2.80% ▲ 0.16% above national avg

View

▼

Rate2.76%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.64%▲ 0.16% above avg

Details

Fort Sill Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

3283 Sheridan Road, Fort Sill, OK 73503

IRA SHARE CERTIFICATES / SHARE CERTIFICATES 3 Year

2.79% ▲ 0.15% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.64%▲ 0.15% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

3-Year Share or IRA Certificate

2.73% ▲ 0.09% above national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.09% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

36 mo

$1,000

2.70% ▲ 0.06% above national avg

View

▼

Rate2.62%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.06% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

3-Year Share or IRA Certificate

2.68% ▲ 0.04% above national avg

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.04% above avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

36 mo

$1,000

2.65% ▲ 0.01% above national avg

View

▼

Rate2.62%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▲ 0.01% above avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

36 Month Certificate

2.65% ▲ 0.01% above national avg

View

▼

Rate2.62%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.64%▲ 0.01% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

36 Month Certificate

$1,000

2.65% ▲ 0.01% above national avg

View

▼

Rate2.62%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▲ 0.01% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

3-Year Share or IRA Certificate

2.63% ▼ 0.01% below national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.64%▼ 0.01% below avg

Details

AVB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

322 S Main St, Broken Arrow, OK 74012

36 Month Certificate

$1,000

2.60% ▼ 0.04% below national avg

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▼ 0.04% below avg

Details

Otoe-Missouria Federal Credit Union

Institution Rating:

B4.7 ★Texas Ratio: 19.14%

7480 Highway 177 Ste A, Red Rock, OK 74651

36 months

2.55% ▼ 0.09% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.64%▼ 0.09% below avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

36 Months

$1,000

2.50% ▼ 0.14% below national avg

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.64%▼ 0.14% below avg

Details

Oklahoma 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week

View 48-month CD rate trend

The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bank of Commerce Duncan, OK

Institution Rating:

B+4.7 ★Texas Ratio: 18.17%

110 W Oklahoma Ave, Anadarko, OK 73005

48 Month CD

4.15% ▲ 1.50% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 1.50% above avg

Details

Interest Paid: Quarterly

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

48 Month CD

4.06% ▲ 1.41% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.65%▲ 1.41% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

48 Month CD

3.96% ▲ 1.31% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.65%▲ 1.31% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates and Over) 48 Months

3.85% ▲ 1.20% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 1.20% above avg

Details

$100,000

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

48 Month IRA

3.82% ▲ 1.17% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.65%▲ 1.17% above avg

Details

Arbuckle Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

317 S Broadway Ave, Ada, OK 74820

Share Certificates 48 Months

3.75% ▲ 1.10% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 1.10% above avg

Details

$1,000 - $99,999

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

48 Month Certificate (4 Year)

3.72% ▲ 1.07% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.65%▲ 1.07% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

48 Month CD

3.70% ▲ 1.05% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 1.05% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 48 Month

3.65% ▲ 1.00% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.65%▲ 1.00% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Jumbo Boost Certificate

$100,000

3.50% ▲ 0.85% above national avg

View

▼

Rate3.46%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.85% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Jumbo Certificate

$100,000

3.50% ▲ 0.85% above national avg

View

▼

Rate3.46%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.85% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

$100,000

3.45% ▲ 0.80% above national avg

View

▼

Rate3.40%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.80% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month IRA Certificate

$100,000

3.45% ▲ 0.80% above national avg

View

▼

Rate3.40%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.80% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

$10,000

3.40% ▲ 0.75% above national avg

View

▼

Rate3.35%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.75% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month IRA Certificate

$10,000

3.40% ▲ 0.75% above national avg

View

▼

Rate3.35%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.75% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month CD

$1,500

3.35% ▲ 0.70% above national avg

View

▼

Rate3.30%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.70% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

48 Month IRA Certificate

$1,500

3.35% ▲ 0.70% above national avg

View

▼

Rate3.30%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.70% above avg

Details

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

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 48 Month

3.25% ▲ 0.60% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.60% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

48 Month Certificate

$1,000

3.25% ▲ 0.60% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.65%▲ 0.60% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

48 month Jumbo Certificate & IRA

3.20% ▲ 0.55% above national avg

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.55% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Boost Certificate

$1,000

3.20% ▲ 0.55% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.55% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

48-month Certificate

$1,000

3.20% ▲ 0.55% above national avg

View

▼

Rate3.16%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.55% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

48 Month CD

$1,000

3.20% ▲ 0.55% above national avg

View

▼

Rate3.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.65%▲ 0.55% above avg

Details

Western Sun Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.60%

907 S Detroit Ave, Tulsa, OK 74120 4205

48 month Certificate & IRA

3.15% ▲ 0.50% above national avg

View

▼

Rate3.11%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.50% above avg

Details

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

4 Year IRA/Share Certificate

3.10% ▲ 0.45% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.45% above avg

Details

City National B&T Co. of Lawton, OK

Institution Rating:

B4.6 ★Texas Ratio: 19.53%

500 Montgomery Sq, Lawton, OK 73501

48 Month Certificate

$500

3.04% ▲ 0.39% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 0.39% above avg

Details

FIXED RATE - Compounding Monthly

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

4-Year Share or IRA Certificate

3.03% ▲ 0.38% above national avg

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 0.38% above avg

Details

Muskogee Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

3502 Chandler Rd, Muskogee, OK 74403 4910

48 months

2.94% ▲ 0.29% above national avg

View

▼

Rate2.90%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.65%▲ 0.29% above avg

Details

The Focus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

420 NE 10th St, Oklahoma City, OK 73104

48 Month Certificate

$1,000

2.85% ▲ 0.20% above national avg

View

▼

Rate2.81%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.65%▲ 0.20% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

4-Year Share or IRA Certificate

2.83% ▲ 0.18% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 0.18% above avg

Details

Frontier State Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.37%

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

48 Month Certificate

2.82% ▲ 0.17% above national avg

View

▼

Rate2.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.65%▲ 0.17% above avg

Details

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

48 Month Certificate

$1,000

2.82% ▲ 0.17% above national avg

View

▼

Rate2.78%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▲ 0.17% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

4-Year Share or IRA Certificate

2.78% ▲ 0.13% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 0.13% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

48 Month CD

$1,000

2.75% ▲ 0.10% above national avg

View

▼

Rate2.72%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.65%▲ 0.10% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

IRA Roth and Education Certificate - 48 Month

$250

2.75% ▲ 0.10% above national avg

View

▼

Rate2.72%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.65%▲ 0.10% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

4-Year Share or IRA Certificate

2.73% ▲ 0.08% above national avg

View

▼

Rate2.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▲ 0.08% above avg

Details

Fort Sill Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

3283 Sheridan Road, Fort Sill, OK 73503

IRA SHARE CERTIFICATES / SHARE CERTIFICATES 4 Year

2.68% ▲ 0.03% above national avg

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.65%▲ 0.03% above avg

Details

AVB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

322 S Main St, Broken Arrow, OK 74012

48 Month Certificate

$1,000

2.60% ▼ 0.05% below national avg

View

▼

Rate2.58%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▼ 0.05% below avg

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

48 Month Certificate

2.56% ▼ 0.09% below national avg

View

▼

Rate2.53%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▼ 0.09% below avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

48 Months

$1,000

2.50% ▼ 0.15% below national avg

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▼ 0.15% below avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

48 Month CD

$1,000

2.40% ▼ 0.25% below national avg

View

▼

Rate2.37%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.65%▼ 0.25% below avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

48 mo

$1,000

2.05% ▼ 0.60% below national avg

View

▼

Rate1.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▼ 0.60% below avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

48 mo

$1,000

2.00% ▼ 0.65% below national avg

View

▼

Rate1.98%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▼ 0.65% below avg

Details

The Bank of the West

Institution Rating:

A-5.0 ★Texas Ratio: 15.15%

401 South Main Street, Leedey, OK 73654

48 Months Certificate of Deposit

1.76% ▼ 0.89% below national avg

View

▼

Rate1.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.65%▼ 0.89% below avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

48 Month Certificate

$75,000

1.56% ▼ 1.09% below national avg

View

▼

Rate1.55%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.65%▼ 1.09% below avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

48 Month Certificate

$75,000

1.46% ▼ 1.19% below national avg

View

▼

Rate1.45%

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.65%▼ 1.19% below avg

Details

FNB Community Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.65%

2911 S Air Depot Blvd, Midwest City, OK 73110

48 Month CD

$1,000

1.36% ▼ 1.29% below national avg

View

▼

Rate1.35%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.65%▼ 1.29% below avg

Details

Red Crown Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

5001 E 91st St, Tulsa, OK 74137

48 Month Certificate

1.36% ▼ 1.29% below national avg

View

▼

Rate1.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.65%▼ 1.29% below avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

48 Month Certificate

$1,000

1.21% ▼ 1.44% below national avg

View

▼

Rate1.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.65%▼ 1.44% below avg

Details

SpiritBank

Institution Rating:

A5.0 ★Texas Ratio: 6.48%

4815 S Harvard Ave, Tulsa, OK 74135

4 Year Certificate

1.15% ▼ 1.50% below national avg

View

▼

Rate1.14%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.65%▼ 1.50% below avg

Details

Oklahoma 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week

View 60-month CD rate trend

The national average 60-month CD rate is 2.75% APY as of September 10, 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

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

60 Month CD

4.06% ▲ 1.31% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.75%▲ 1.31% above avg

Details

Exchange Bank and Trust Company

Institution Rating:

A5.0 ★Texas Ratio: 13.73%

523 Delaware St, Perry, OK 73077

60 Month CD

3.96% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 6, 2026

National Average2.75%▲ 1.21% above avg

Details

MTC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

2001 12th Ave NW, Ardmore, OK 73401

IRA Certificates 60 Month

3.80% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.75%▲ 1.05% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

60 Month IRA

3.76% ▲ 1.01% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.75%▲ 1.01% above avg

Details

Red River Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.43%

2721 N Main St, Altus, OK 73521

60 Month Certificate (5 Year)

3.66% ▲ 0.91% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.75%▲ 0.91% above avg

Details

Security Bank and Trust Company

Institution Rating:

B+4.8 ★Texas Ratio: 17.45%

1 Sw 1st St, Afton, OK 74331

60 Month CD

3.65% ▲ 0.90% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.90% above avg

Details

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60-month Jumbo Certificate

$100,000

3.60% ▲ 0.85% above national avg

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.75%▲ 0.85% above avg

Details

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

$100,000

3.51% ▲ 0.76% above national avg

View

▼

Rate3.45%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▲ 0.76% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

$10,000

3.45% ▲ 0.70% above national avg

View

▼

Rate3.40%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▲ 0.70% above avg

Details

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

First B&T Co. Perry, OK

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

601 Harrison St, Pawnee, OK 74058

60 Month CD

$1,500

3.40% ▲ 0.65% above national avg

View

▼

Rate3.35%

Min Deposit$1,500

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▲ 0.65% above avg

Details

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

WeStreet Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.87%

9323 E 21st St, Tulsa, OK 74129 1400

60-month Certificate

$1,000

3.30% ▲ 0.55% above national avg

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.75%▲ 0.55% above avg

Details

WEOKIE Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.21%

8100 W Reno Ave, Oklahoma City, OK 73127 7229

Certificate Accounts and IRA Certificates 60 Month

3.25% ▲ 0.50% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.75%▲ 0.50% above avg

Details

Regent Bank (OK)

Institution Rating:

C+4.2 ★Texas Ratio: 25.22%

7136 S Yale Ave, Tulsa, OK 74136

60 Month Certificate

$1,000

3.25% ▲ 0.50% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.75%▲ 0.50% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

60 Month CD

$1,000

3.25% ▲ 0.50% above national avg

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.75%▲ 0.50% above avg

Details

Communication Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.51%

427 NW 6th St, Oklahoma City, OK 73102 2804

5 Year IRA/Share Certificate

3.10% ▲ 0.35% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.75%▲ 0.35% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

5-Year Share or IRA Certificate

3.09% ▲ 0.34% above national avg

View

▼

Rate3.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.34% above avg

Details

True Sky Federal Credit Union

Institution Rating:

B+4.1 ★Texas Ratio: 6.82%

10201 S Western Ave, Oklahoma City, OK 73139 2931

5 year SCA

3.05% ▲ 0.30% above national avg

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

Verified and UpdatedAug 31, 2026

National Average2.75%▲ 0.30% above avg

Details

City National B&T Co. of Lawton, OK

Institution Rating:

B4.6 ★Texas Ratio: 19.53%

500 Montgomery Sq, Lawton, OK 73501

60 Month Certificate

$500

3.04% ▲ 0.29% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.29% above avg

Details

FIXED RATE - Compounding Monthly

Washita State Bank

Institution Rating:

A-5.0 ★Texas Ratio: 15.57%

701 State Highway 44, Burns Flat, OK 73624

60 Month Certificate

$1,000

3.03% ▲ 0.28% above national avg

View

▼

Rate2.99%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▲ 0.28% above avg

Details

First Liberty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

9601 N May Ave, Oklahoma City, OK 73120

60 Month CD

3.00% ▲ 0.25% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.75%▲ 0.25% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

60 Month CD

$1,000

2.95% ▲ 0.20% above national avg

View

▼

Rate2.91%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.75%▲ 0.20% above avg

Details

RCB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.64%

121 W Broadway St, Drumright, OK 74030

IRA Roth and Education Certificate - 60 Month

$250

2.95% ▲ 0.20% above national avg

View

▼

Rate2.91%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.75%▲ 0.20% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

5-Year Share or IRA Certificate

2.93% ▲ 0.18% above national avg

View

▼

Rate2.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.18% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

5-Year Share or IRA Certificate

2.83% ▲ 0.08% above national avg

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.08% above avg

Details

Department of Public Safety Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

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

5-Year Share or IRA Certificate

2.78% ▲ 0.03% above national avg

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▲ 0.03% above avg

Details

Vast Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

110 N Elgin Ave, Tulsa, OK 74120

60 Month CD

$1,000

2.75% At national avg

View

▼

Rate2.72%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 8, 2026

National Average2.75%At the average

Details

Bank of Vici

Institution Rating:

F1.0 ★Texas Ratio: 83.87%

121 W Broadway, Vici, OK 73859

60 Month Certificate

2.63% ▼ 0.12% below national avg

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▼ 0.12% below avg

Details

AVB Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

322 S Main St, Broken Arrow, OK 74012

60 Month Certificate

$10,000

2.60% ▼ 0.15% below national avg

View

▼

Rate2.58%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▼ 0.15% below avg

Details

Fort Sill Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

3283 Sheridan Road, Fort Sill, OK 73503

IRA SHARE CERTIFICATES / SHARE CERTIFICATES 5 Year

2.58% ▼ 0.17% below national avg

View

▼

Rate2.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 4, 2026

National Average2.75%▼ 0.17% below avg

Details

First Pryority Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.96%

310 E Graham Ave, Pryor, OK 74361

60 Month Certificate

$1,000

2.55% ▼ 0.20% below national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▼ 0.20% below avg

Details

First Enterprise Bank

Institution Rating:

F2.0 ★Texas Ratio: 50.59%

1000 W Britton Rd, Oklahoma City, OK 73114

60 Months

$1,000

2.50% ▼ 0.25% below national avg

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▼ 0.25% below avg

Details

Fsnb

Institution Rating:

A+5.0 ★Texas Ratio: 4.31%

1420 Sw Lee Blvd, Lawton, OK 73501

60 Month Certificate

$500

2.50% ▼ 0.25% below national avg

View

▼

Rate2.50%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 9, 2026

National Average2.75%▼ 0.25% below avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

60 mo

$1,000

1.80% ▼ 0.95% below national avg

View

▼

Rate1.74%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▼ 0.95% below avg

Details

First State Bank Tahlequah, OK

Institution Rating:

B-4.3 ★Texas Ratio: 23.38%

1111 S Muskogee Ave, Tahlequah, OK 74464

60 mo

$1,000

1.75% ▼ 1.00% below national avg

View

▼

Rate1.74%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 5, 2026

National Average2.75%▼ 1.00% below avg

Details

Municipal Employees Credit Union of Oklahoma City

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229

60 Month Certificate

$1,000

1.31% ▼ 1.44% below national avg

View

▼

Rate1.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 3, 2026

National Average2.75%▼ 1.44% below avg

Details

SpiritBank

Institution Rating:

A5.0 ★Texas Ratio: 6.48%

4815 S Harvard Ave, Tulsa, OK 74135

5 Year Certificate

1.29% ▼ 1.46% below national avg

View

▼

Rate1.28%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 7, 2026

National Average2.75%▼ 1.46% below avg

Details

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Oklahoma Institutions

Highest verified APYs available today, updated September 9, 2026

B Top 5 Bank Rates

Bank of the Panhandle

Certificates of Deposit - 6 Months

A 5.0 ★ TX: 12.98%

Min: $0

4.84%

MapleMark Bank

36 Month CD

A+ 5.0 ★ TX: 4.88%

Min: $0

4.40%

The Community State Bank

6 Month CD

A+ 5.0 ★ TX: 3.71%

Min: $0

4.30%

Bank of Commerce Duncan, OK

36 Month IRA

B+ 4.7 ★ TX: 18.17%

Min: $0

4.25%

First Pryority Bank

36 Month Certificate

A- 5.0 ★ TX: 14.96%

Min: $1,000

4.25%

CU Top 5 Credit Union Rates

Mercy Credit Union

18 Month Certificate

A+ 5.0 ★ TX: 0.60%

Min: $0

4.00%

The Focus Federal Credit Union

12 Month Certificate

A+ 5.0 ★ TX: 2.70%

Min: $1,000

4.00%

Communication Federal Credit Union

18 Month IRA/Share Certificate

A+ 5.0 ★ TX: 5.51%

Min: $0

3.90%

Red River Federal Credit Union

18 Month IRA

A 5.0 ★ TX: 7.43%

Min: $0

3.87%

WeStreet Federal Credit Union

6-month Jumbo Certificate

A 5.0 ★ TX: 9.87%

Min: $100,000

3.85%

Rates verified September 9, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Oklahoma CD Rate Trends

Compare local Oklahoma CD rate quotes against the statewide average

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

View Full Oklahoma CD Trends

12-Month CD OK Avg

2.840%

▲ 0.300 vs 7 days ago

Oklahoma 12-month CD rates rose 0.300 points over the past 7 days to 2.840% APY.

6-Month CD OK Avg

2.669%

▼ 0.141 vs 7 days ago

Oklahoma 6-month CD rates fell 0.141 points over the past 7 days to 2.669% APY.

As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

OK CD Rate Forecast, Next 12 Months

Where are Oklahoma CD rates headed through September 2027?

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

OK 12-Month Avg APY

2.840%

6-Month Forecast

2.840%

Range: 2.64% – 2.99%

12-Month Forecast

3.090%

Range: 2.89% – 3.24%

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	1.993%	$99.65	$199.29	$498.22	$996.45
6-Month CD	2.669%	$133.45	$266.90	$667.25	$1,334.50
12-Month CD	2.840%	$142.01	$284.02	$710.05	$1,420.10
18-Month CD	2.673%	$133.67	$267.34	$668.35	$1,336.70
24-Month CD	2.712%	$135.61	$271.23	$678.07	$1,356.15
36-Month CD	2.640%	$132.02	$264.03	$660.07	$1,320.15
48-Month CD	2.652%	$132.61	$265.23	$663.07	$1,326.15
60-Month CD	2.747%	$137.35	$274.69	$686.73	$1,373.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026.

Sample CD Ladder for Oklahoma Savers

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

Build Your Ladder

Rung	Term	Deposit	OK Avg APY	Annual Earnings
1	3-Month CD	$5,000	1.993%	$99.65
2	6-Month CD	$5,000	2.669%	$133.45
3	12-Month CD	$5,000	2.840%	$142.01
4	24-Month CD	$5,000	2.712%	$135.61
5	36-Month CD	$5,000	2.640%	$132.02
Total ($25,000 invested)		$25,000	2.571% blended	$642.74/yr

Ladder example uses equal $5,000 rungs and Oklahoma average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

367

CD Rates
Tracked in Oklahoma

37 Banks 23 Credit Unions

About Our Oklahoma CD Rate Database

MonitorBankRates tracks 367 CD rates from 37 banks and 23 credit unions with locations in Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Bank of the Panhandle offers a CD at 4.84% 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 23 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: 60 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

$114/yr

At OK 12-mo avg 2.840% APY

16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 2.840%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $114 annually in interest.

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

CD Rates vs. Other Savings Options in Oklahoma

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

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

How Certificates of Deposit Work in Oklahoma

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

Choosing a CD Term in Oklahoma

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Oklahoma savers easier access to their funds. For example, Bank of the Panhandle is offering its Certificates of Deposit - 6 Months at 4.84% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Exchange Bank and Trust Company is offering its 60 Month CD at 4.06% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Oklahoma Savers

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

How CD Interest Is Paid in Oklahoma

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

Fixed vs. Variable CD Rates in Oklahoma

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

Frequently Asked Questions about CD Rates in Oklahoma

Are CD rates in Oklahoma FDIC insured?

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

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

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

Can I withdraw my money early from a CD?

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

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

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

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

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

What is a CD ladder?

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

Best CD rates in Oklahoma?

Here are recent top rates found for this area:

Bank of the Panhandle: 4.84% APY (Certificates of Deposit - 6 Months)
MapleMark Bank: 4.40% APY (36 Month CD)
The Community State Bank: 4.30% APY (6 Month CD)
Bank of Commerce Duncan, OK: 4.25% APY (36 Month IRA)
First Pryority Bank: 4.25% APY (36 Month Certificate)
Exchange Bank and Trust Company: 4.06% APY (18 Month CD)
Regent Bank (OK): 4.05% APY (12 Month Certificate)
Frontier State Bank: 4.01% APY (6 Month Certificate)
Washita State Bank: 4.01% APY (6 Month Certificate)
Mercy Credit Union: 4.00% APY (18 Month Certificate)

Rates reflect recent verified offers available in Oklahoma. Last Updated: September 9, 2026

Oklahoma CD Calculator

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

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

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

Top Oklahoma CD Rates by Term

Verified September 9, 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 4.84% APY, a $10,000 deposit earns $484 in the first year. Enter your amount to see your exact return.

Oklahoma CD Ladder

OK CD rates currently range from 1.993% (3-month) to 2.640% (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 4.84% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Oklahoma’s average 12-month CD is 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

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

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

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

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

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026