Current Enid, Oklahoma CD rates include Tinker Federal Credit UnionTinker Federal Credit Union801 S Oakwood Rd, Enid, OK 73703A+5.0 ★Texas Ratio: 2.99% offering 60 Mo. Term Share (Certificate) / IRA at 3.56% APY, Communication Federal Credit UnionCommunication Federal Credit Union2021 W Owen K Garriott Rd, Enid, OK 73703A5.0 ★Texas Ratio: 7.85% offering 6 Month Share/IRA Certificate at 3.30% APY, BOK FinancialBOK Financial2308 N Van Buren St, Enid, OK 73703A+5.0 ★Texas Ratio: 3.85% offering IRA CD 1 Year at 0.10% APY, WEOKIE Federal Credit UnionWEOKIE Federal Credit UnionA+5.0 ★Texas Ratio: 3.68% offering 3 Month Certificate Accounts and IRA Certificates at 4.10% APY, and Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit UnionA-5.0 ★Texas Ratio: 15.43% offering 3-Month Certificate at 4.00% APY. CD rates as of April 9, 2026 according to verified data from MonitorBankRates.
Enid has 15 local institutions in our database, with CD rates as high as 3.56% APY from Tinker Federal Credit Union at 801 S Oakwood Rd, Enid, OK 73703. 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 9, 2026
No minimum deposit.
Available for IRAs-Penalties may be imposed for early withdrawal
Limited-time offer.
Annual Percentage Yield. Minimum balance of $1,000 to earn APY. Rate 3.88% as of 11/1/2025. Rates subject to change. Early withdrawal penalties may apply.
Limited time offer. Not available to other financial institutions or public funds.
$50,000 - $250,000 New Money
Limited-time offer.
$1,000-$49,000
100bp change
Limited time offer. Not available to other financial institutions or public funds.
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.
Under $100,000; Penalty may apply for early withdrawal.
Limited-time offer.
Available for IRAs-Penalties may be imposed for early withdrawal
$100,000; Penalty may apply for early withdrawal.
Balance Over $10,000
$100,000; Penalty may apply for early withdrawal.
Balance Over $10,000
Limited-time offer.
Balance Over $10,000
Limited-time offer.
Balance Over $10,000
Compare local Enid, 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 rose 0.337 points over the past 7 days to 3.501% APY.
Oklahoma 6-month CD rates fell 0.114 points over the past 7 days to 3.391% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Enid, 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 Enid, 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.