CD Rates Bethany, Oklahoma (OK) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bethany, Oklahoma CD rates include Tinker Federal Credit UnionTinker Federal Credit Union6750 NW 39th Expy, Bethany, OK 73008A+5.0 ★Texas Ratio: 2.99%Real return: +0.30%APY minus CPI (February 2026) offering 60 Month Share Certificate at 3.10% APY, WEOKIE Federal Credit UnionWEOKIE Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.30%APY minus CPI (February 2026) offering 3 Month Certificate Accounts and IRA Certificates at 4.10% APY, Lifetime Federal Credit UnionLifetime Federal Credit UnionA+5.0 ★Texas Ratio: 3.25%Real return: +1.17%APY minus CPI (February 2026) offering IRA / 12 Month Certificate at 3.97% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 5.10%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month TEAL Certificate at 3.95% APY, and First Liberty BankFirst Liberty BankA+5.0 ★Texas Ratio: 5.25%Real return: +1.10%APY minus CPI (February 2026) offering 6 Month CD at 3.90% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Bethany has 1 local institution in our database, with CD rates as high as 3.10% APY from Tinker Federal Credit Union at 6750 NW 39th Expy, Bethany, OK 73008. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Oklahoma area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Bethany, Oklahoma & the Surrounding Area
Available for IRAs-Penalties may be imposed for early withdrawal
Limited-time offer.
Age 0-17
Union State Bank CD Specials are available as a limited time offer. $2,500 minimum balance required, other restrictions apply.
$50,000 - $250,000 New Money
Limited-time offer.
$1,000-$49,000
Union State Bank CD Specials are available as a limited time offer. $2,500 minimum balance required, other restrictions apply.
Limited time offer
Available for IRAs-Penalties may be imposed for early withdrawal
Limited-time offer.
Balance Over $10,000
Qualifying balance up to $49,000.00
Limited-time offer.
$100,000; comp semi-annually
Limited-time offer.
Available for IRAs-Penalties may be imposed for early withdrawal
$100,000; comp semi-annually
Balance Over $10,000
Limited-time offer.
$100,000; comp semi-annually
Balance Over $10,000
Balance Over $10,000
Limited-time offer.
Balance Over $10,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bethany, OK CD Rate Trends
Compare local Bethany, OK CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Oklahoma 12-month CD rates currently average 2.862% APY based on data from institutions in our monitoring network.
Oklahoma 6-month CD rates currently average 2.944% APY based on data from institutions in our monitoring network.
OK CD Rate Forecast — Next 12 Months
Where are Oklahoma CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.691% | $134.54 | $269.07 | $672.68 | $1,345.35 |
| 6-Month CD | 2.944% | $147.22 | $294.44 | $736.10 | $1,472.20 |
| 12-Month CD | 2.862% | $143.12 | $286.23 | $715.58 | $1,431.15 |
| 18-Month CD | 2.640% | $132.02 | $264.03 | $660.08 | $1,320.15 |
| 24-Month CD | 2.710% | $135.48 | $270.96 | $677.40 | $1,354.80 |
| 36-Month CD | 2.666% | $133.32 | $266.64 | $666.60 | $1,333.20 |
| 48-Month CD | 2.654% | $132.71 | $265.42 | $663.55 | $1,327.10 |
| 60-Month CD | 2.807% | $140.37 | $280.73 | $701.83 | $1,403.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Bethany, Oklahoma Savers
$25,000 split equally across 5 terms using today’s Oklahoma average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OK Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.691% | $134.54 |
| 2 | 6-Month CD | $5,000 | 2.944% | $147.22 |
| 3 | 12-Month CD | $5,000 | 2.862% | $143.12 |
| 4 | 24-Month CD | $5,000 | 2.710% | $135.48 |
| 5 | 36-Month CD | $5,000 | 2.666% | $133.32 |
| Total ($25,000 invested) | $25,000 | 2.775% blended | $693.68/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.
in Bethany, Oklahoma
About Our Bethany, Oklahoma CD Rate Database
MonitorBankRates tracks CD rates from 25 banks and 17 credit unions with locations in Bethany, 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: Tinker Federal Credit Union offers a CD at 3.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bethany, Oklahoma.
How to Find the Best CD Rates in Bethany, Oklahoma
What to compare when shopping for a CD in Bethany, Oklahoma
To find the best APYs in Bethany, Oklahoma, start with credit unions and online-only banks — Bethany, Oklahoma has 17 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Bethany, 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 Bethany, Oklahoma — 42 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bethany, Oklahoma savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bethany, Oklahoma money market rates
Bethany, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
16.3% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s OK 12-month CD average of 2.862%, saving 10% of the local median salary ($3,452/year) and putting it in a CD would earn an additional $99 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 Bethany, Oklahoma
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Bethany, Oklahoma
Are CD rates in Bethany, Oklahoma FDIC insured?
Do I have to pay state taxes on CD interest in Bethany, Oklahoma?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Bethany, Oklahoma?
- Tinker Federal Credit Union: 3.10% APY (60 Month Share Certificate)
- WEOKIE Federal Credit Union: 4.10% APY (3 Month Certificate Accounts and IRA Certificates)
- Lifetime Federal Credit Union: 3.97% APY (IRA / 12 Month Certificate)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- First Liberty Bank: 3.90% APY (6 Month CD)
- WeStreet Federal Credit Union: 3.85% APY (6-month Jumbo Certificate)
- Bank of Vici: 3.82% APY (6 Month Certificate)
- Washita State Bank: 3.80% APY (WSB Traditional CDs 12 Month)
- Municipal Employees Credit Union of Oklahoma City: 3.80% APY (6 month Certificate)
- Elevate Bank: 3.79% APY (1 YEAR CD)
CD Calculators for Bethany, Oklahoma
At today’s OK top rate of 3.10% APY, a $10,000 deposit earns $310 in the first year. Enter your amount to see your exact return.
Bethany, Oklahoma CD LadderOK CD rates currently range from 2.691% (3-month) to 2.666% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bethany, Oklahoma CD at 3.10% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 2.862% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bethany, 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 pulling data straight 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 Bethany, 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.
