Fort Towson, Oklahoma Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Fort Towson, Oklahoma CD rates include Bank of the PanhandleBank of the PanhandleA5.0 ★Texas Ratio: 12.98%Real return: +2.04%APY minus CPI (February 2026) offering 6 Month Certificate at 4.84% APY, ADVANCIALADVANCIALA5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering 5 Year Certificates at 4.49% APY, The Community State BankThe Community State BankA+5.0 ★Texas Ratio: 3.71%Real return: +1.50%APY minus CPI (February 2026) offering 6 Month CD at 4.30% APY, First Pryority BankFirst Pryority BankA-5.0 ★Texas Ratio: 14.96%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month Certificate at 4.25% APY, and Bank of Commerce Duncan, OKBank of Commerce Duncan, OKB+4.7 ★Texas Ratio: 18.17%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month IRA at 4.25% APY. CD rates as of September 15, 2026 according to verified data from MonitorBankRates.
Fort Towson is a smaller community with no bank or credit union branches currently in our database. 551 institutions serving the Oklahoma area are available to Fort Towson residents, with CD rates as high as 4.84% APY from Bank of the Panhandle. 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 15, 2026
Compare Best CD Rates in Fort Towson, Oklahoma & the Surrounding Area
Fort Towson 3 Month CD Rates
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%
90 Days
$0
4.84%
▲ 2.80% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.80% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.75%
▲ 1.71% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.65%
▲ 1.61% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.61% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
3 Month (90 Day) CD
$0
3.60%
▲ 1.56% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.56% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.55%
▲ 1.51% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.51% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month Certificate
$0
3.50%
▲ 1.46% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Special
$1,000
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.46% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificates
$0
3.41%
▲ 1.37% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.37% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificates
$0
3.30%
▲ 1.26% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.26% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 3 Month
$0
3.25%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.21% above avg
Details
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
3 Month Certificate
$0
3.15%
▲ 1.11% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.11% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
90 Days
$2,000
3.04%
▲ 1.00% above national avg
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.00% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month CD
$1,000
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.96% above avg
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Share Certificate
$1,000
3.00%
▲ 0.96% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
3 Month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.91% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.91% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.91% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.91% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
3 Month IRA Certificate
$1,000
2.90%
▲ 0.86% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.86% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
3-month Certificate
$1,000
2.90%
▲ 0.86% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.86% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.43% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.43% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.43% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.43% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
3 Month Certificates
$0
2.34%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.30% above avg
Details
3 Mo Certificate - $10k: 181% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.34% APY compared to 0.83% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
3 Month Share Certificates
$0
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.23% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 3 Month
$0
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.23% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month CD
$1,000
2.25%
▲ 0.21% above national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.21% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificate
$1,000
2.02%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▼ 0.02% below avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month Certificate
$0
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
3 Months
$1,000
1.50%
▼ 0.54% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▼ 0.54% below avg
Details
True Sky Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 6.82%
90 Days SCA
$0
1.30%
▼ 0.74% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.74% below avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
3 Month Certificate
$1,000
1.16%
▼ 0.88% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▼ 0.88% below avg
Details
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
30-90 Day CD
$0
1.16%
▼ 0.88% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.88% below avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
IRA Certificates - 3 Month
$0
1.13%
▼ 0.91% below national avg
▼
Rate1.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.91% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
91-Days (3-Month) CD
$2,500
1.12%
▼ 0.92% below national avg
▼
Rate1.12%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▼ 0.92% below avg
Details
Jumbo rates available for balances $100,000 or greater.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Share Certificates - 3 Month
$0
1.00%
▼ 1.04% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
3 Month CD
$1,000
0.80%
▼ 1.24% below national avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.24% below avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 3 Months
$0
0.50%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
First Bank of Thomas
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3 Month Certificate
$0
0.20%
▼ 1.84% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.84% below avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
3 Month Certificate
$1,000
0.10%
▼ 1.94% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▼ 1.94% below avg
Details
Fort Towson 6 Month CD Rates
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%
6 Month Certificate
$0
4.84%
▲ 2.09% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 2.09% above avg
Details
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month CD
$0
4.30%
▲ 1.55% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.55% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6 Month TEAL Certificate (Age 13-17)
$250
4.07%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6-Month TEAL Certificate for Teens
$250
4.07%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.32% above avg
Details
Teens Earning And Learning; for members aged 13-17.
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
6 Month Certificate
$1,000
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 1.30% above avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6 Month Certificate
$1,000
4.01%
▲ 1.26% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.26% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.21% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month CD
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6 Month Jumbo IRA Certificate
$100,000
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.10% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 6 Months
$0
3.82%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Certificate - $ 1,000
$1,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Certificate - $ 75,000
$75,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
6 Months
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.00% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
6 Month (180 Day) CD
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Interest Paid: Quarterly
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
6 Month Certificate
$0
3.71%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.96% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month Certificate
$1,000
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.95% above avg
Details
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
CDs & IRAs - 6 Months
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.91% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6 Month IRA Certificate
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
6-month Certificate
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
6-month CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.85% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month Special
$1,000
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.85% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.85% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month CD Special
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month JUMBO CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 6 Month JUMBO
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
6 Month IRA
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.80% above avg
Details
Lakeside Bank of Salina
Institution Rating:
B-4.3 ★Texas Ratio: 23.04%
6 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 0.76% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month CD
$500
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificates
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 6 Month
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
6 Month Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
6 Month Share Certificate
$1,000
3.40%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.65% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificates
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.65% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month IRA Plus Certificates
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.59% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month Share Certificates Plus
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.59% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
6 Month CD
$0
3.30%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 6 Month
$0
3.30%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Cherokee Strip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 MONTH CERTIFICATE
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
6 Month Share Certificate Account
$0
3.29%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.54% above avg
Details
Jumbo Rate
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 Month Certificate
$2,000
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
6 Month Share Certificates
$0
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.39% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 6 Month
$0
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.39% above avg
Details
Fort Towson 12 Month CD Rates
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%
12 Month Certificate
$0
4.58%
▲ 1.66% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.66% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificate
$2,000
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.26% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.26% above avg
Details
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.16%
▲ 1.24% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.24% above avg
Details
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.11%
▲ 1.19% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.19% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
12 Month Jumbo Share Certificates
$0
4.08%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.16% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
12 Month Certificate
$1,000
4.05%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.92%▲ 1.13% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of deposit - 12 Months
$2,500
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month IRA
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Interest Paid: Quarterly
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
12 Month Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Month Certificate
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12 Month Share Certificate
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$0
3.96%
▲ 1.04% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.04% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month CD
$0
3.95%
▲ 1.03% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Interest Paid: Quarterly
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
12 Month CD (also IRA)
$0
3.90%
▲ 0.98% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
IRA eligible
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
12 Month Certificate
$1,000
3.80%
▲ 0.88% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.92%▲ 0.88% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
12 Month CD
$0
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12 Month Certificate - $ 1,000
$1,000
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12 Month Certificate - $ 75,000
$75,000
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1 YEAR CD
$0
3.79%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.87% above avg
Details
Compounding Frequency: SEMI ANNUALLY
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
12-month CD
$0
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.92%▲ 0.83% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month Special
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.92%▲ 0.83% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
12 Month Jumbo IRA Certificate
$100,000
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.83% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
12-Month Certificate Account
$1,000
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
The 12-Month Certificate Account earns 3.75% APY and will automatically renew at maturity into a standard 12-month Certificate at the prevailing rate at that time. Additional deposits may be made at any time by visiting a location in person, calling 405-235-3030 , or via transfer inside Online/Mobile Banking . Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less; 3% of the amount withdrawn for terms greater than 12 months.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 12 Month
$0
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
12 Month IRA
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.80% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12-Month CD Special
$0
3.70%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.78% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
1 Year JUMBO CD
$0
3.70%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.78% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 1 Year JUMBO
$0
3.70%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.78% above avg
Details
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12-Month CD
$0
3.65%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.73% above avg
Details
Penalty for early withdrawal. Rates are effective as of March 13, 2026.
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
12 Month Certificate
$0
3.61%
▲ 0.69% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.69% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share Certificates
$0
3.60%
▲ 0.68% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
12 Month Certificate
$0
3.56%
▲ 0.64% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.64% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 12 Months
$0
3.56%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.64% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month CD
$0
3.55%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.63% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12 Month Certificate
$1,000
3.55%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.63% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
12 Month Share Certificate Account
$0
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Jumbo Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
12 Month IRA Plus Certificates
$0
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
12 Month Share Certificates Plus
$0
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month Certificate of Deposit
$500
3.53%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.61% above avg
Details
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
CDs & IRAs - 12 Months
$0
3.51%
▲ 0.59% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.59% above avg
Details
Lakeside Bank of Salina
Institution Rating:
B-4.3 ★Texas Ratio: 23.04%
12 Month Certificate
$0
3.51%
▲ 0.59% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.59% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
12 Months
$1,000
3.50%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.92%▲ 0.58% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
12 Month CD
$0
3.50%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 0.58% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
12 Month IRA Certificate
$1,000
3.50%
▲ 0.58% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.58% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
12-month Certificate
$1,000
3.50%
▲ 0.58% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.58% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share Certificates
$0
3.50%
▲ 0.58% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.58% above avg
Details
Fort Towson 18 Month CD Rates
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%
18 Month Certificate of Deposit
$0
4.06%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.24% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month CD
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month IRA
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Paid: Quarterly
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 1.18% above avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.14% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
18 Month CD
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.14% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month IRA
$0
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.05% above avg
Details
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
IRA variable 18-month
$0
3.86%
▲ 1.04% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 1.04% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
18-month CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 1.03% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
18 Month Jumbo Share Certificates
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.00% above avg
Details
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month Certificate - $ 1,000
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month Certificate - $ 75,000
$75,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18 Month Certificate
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.94% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month Certificate
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.94% above avg
Details
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18 Month Share Certificate
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$2,000
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.67% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 18 Months
$0
3.45%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.63% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.62% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.62% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month CD
$1,000
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.48% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.42% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 18 Month
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.42% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
18 Month Jumbo Certificate
$100,000
3.20%
▲ 0.38% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.38% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
18-month Jumbo Certificate
$100,000
3.20%
▲ 0.38% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.38% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
18-month Certificate
$1,000
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.33% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
18 Month Certificate
$0
3.05%
▲ 0.23% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.23% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.23% above avg
Details
Fixed Rate
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.23% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.23% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
18 Months
$1,000
3.05%
▲ 0.23% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.82%▲ 0.23% above avg
Details
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
18 Month Certificate
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.22% above avg
Details
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
18 Month IRA Variable Rate
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.22% above avg
Details
Term: 18 Month IRA Variable Rate
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of deposit - 18 Months
$1,000
3.00%
▲ 0.18% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.18% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
18 Month Certificate
$1,000
2.98%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.16% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month CD
$1,000
2.90%
▲ 0.08% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.08% above avg
Details
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
18 Month IRA Certificates
$100
2.85%
▲ 0.03% above national avg
▼
Rate2.82%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.03% above avg
Details
initial rate
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
18 Month Certificate
$0
2.79%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▼ 0.03% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.31%
Share Certificate - 18 Month
$0
2.78%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.04% below avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month IRA Variable
$250
2.75%
▼ 0.07% below national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▼ 0.07% below avg
Details
Variable Rate
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 18 Month IRA Variable
$250
2.75%
▼ 0.07% below national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▼ 0.07% below avg
Details
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
CDs & IRAs - 18 Months
$0
2.68%
▼ 0.14% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▼ 0.14% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18-Month CD
$1,000
2.60%
▼ 0.22% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▼ 0.22% below avg
Details
Jumbo rates available for balances $100,000 or greater.
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18-Months IRA
$250
2.60%
▼ 0.22% below national avg
▼
Rate2.58%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▼ 0.22% below avg
Details
Jumbo rates available for balances $100,000 or greater.
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Certificate
$500
2.53%
▼ 0.29% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.29% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.31%
Share Certificate - 18 Month
$0
2.53%
▼ 0.29% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.29% below avg
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month Certificate of Deposit
$500
2.52%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.30% below avg
Details
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 Month Certificate
$1,000
2.50%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.32% below avg
Details
Fort Towson 24 Month CD Rates
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%
24 Month CD
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month IRA
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.22% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
24 Month Certificate
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.21% above avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
24 Month Certificate
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 1.21% above avg
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
24-month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.16% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificate
$2,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.13% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
24 Month CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
24 Month IRA
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month Special
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.01% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
24 Month Certificate (2 Year)
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.92% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificates
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.92% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
24 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
24 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
24 Month Share Certificate Account
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Jumbo Rate
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
24 Month Jumbo Share Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Certificate
$2,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.71% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Bump CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.66% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 24 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Bump CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.61% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Bump CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.56% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24 Month Jumbo IRA Certificate
$100,000
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24-month Jumbo Boost Certificate
$100,000
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24-month Jumbo Certificate
$100,000
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.56% above avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month CD
$1,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.51% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
24 Month Share Certificate Account
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.50% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
24 Month IRA Plus Certificates
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.50% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
24 Month Share Certificates Plus
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.50% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2 Year JUMBO CD
$0
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 2 Year JUMBO
$0
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
24 Month CD (also IRA)
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.41% above avg
Details
IRA eligible
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
24 Month Share Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.30% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 24 Month
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.30% above avg
Details
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of deposit - 24 Months
$1,000
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.26% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24-month Boost Certificate
$1,000
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.26% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
24-month Certificate
$1,000
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.26% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 24 Months
$0
3.05%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.21% above avg
Details
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
24 Month Certificate
$0
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.84%▲ 0.20% above avg
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24 Month Bump Special
$0
3.02%
▲ 0.18% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.18% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
24 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Month Certificate
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2 Year CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 2 Year
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 Month CD
$1,000
2.95%
▲ 0.11% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.11% above avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
24 Months
$1,000
2.95%
▲ 0.11% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.11% above avg
Details
Fort Towson 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
36 Month Certificate
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 1.48% above avg
Details
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month IRA
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month CD
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Certificate of Deposit
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.29% above avg
Details
Term: 36 Month (Escalator CD)
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Certificate of Deposit
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.19% above avg
Details
Term: 36 Month (Escalator CD)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
36 Month IRA
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.10% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Certificate of Deposit
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Term: 36 Month (Escalator CD)
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
36 Month CD
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
36 Month Share Certificate Account
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Jumbo Rate
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Share Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
36 Month Certificate (3 Year)
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.99% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Certificate
$2,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.78% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
36 Month Share Certificate Account
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
36 Month Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 36 Month
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
36 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.68% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
36 Month Jumbo IRA Certificate
$100,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
36-month Jumbo Certificate
$100,000
3.35%
▲ 0.58% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.53% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Year JUMBO CD
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 3 Year JUMBO
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
36 Month IRA Certificate
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
36-month Certificate
$1,000
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.53% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
36 Month Certificate
$1,000
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.48% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month CD
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.48% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 36 Month
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 Month IRA Fixed
$250
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.43% above avg
Details
Fixed Rate
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 36 Month IRA Fixed
$250
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.43% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month CD
$0
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 0.43% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
IRA Certificates - 36 Month
$0
3.17%
▲ 0.40% above national avg
▼
Rate3.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.40% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
36 Month CD
$1,000
3.15%
▲ 0.38% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 0.38% above avg
Details
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of deposit - 36 Months
$1,000
3.10%
▲ 0.33% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.33% above avg
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 Month CD
$1,000
3.05%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.28% above avg
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
IRA Certificate 36 Months
$0
3.05%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.28% above avg
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Share Certificates - 36 Month
$0
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.27% above avg
Details
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
36 Month Certificate
$0
3.03%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.26% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
36 Month CD
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.23% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Year CD
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.23% above avg
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificates (CD) - 3 Year
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.23% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
36 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.13% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Month Certificate
$1,000
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.08% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
3-Year Share or IRA Certificate ($80,000)
$0
2.83%
▲ 0.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.06% above avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 3 Year
$0
2.79%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.02% above avg
Details
Triad Bank, N.A.
Institution Rating:
D3.1 ★Texas Ratio: 37.66%
36 Month Certificate
$0
2.77%
At national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%At the average
Details
comp semi-annually
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
3-Year Share or IRA Certificate ($25,000)
$0
2.73%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▼ 0.04% below avg
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 Month Certificate of Deposit
$500
2.72%
▼ 0.05% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.05% below avg
Details
Fort Towson 48 Month CD Rates
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%
48 Month CD
$0
4.15%
▲ 1.37% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.37% above avg
Details
Interest Paid: Quarterly
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
4 Year Certificates
$0
4.12%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.34% above avg
Details
4 Yr Certificate - $100k: 127% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 4.12% APY compared to 1.82% APY for the Lafayette, Louisiana Metro market average over the life of a 4 year share certificate at $100,000.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
4.06%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.28% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
3.96%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.18% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
48 Month IRA
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
48 Month Share Certificate Account
$0
3.80%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Jumbo Rate
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Share Certificates
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
48 Month Certificate (4 Year)
$0
3.72%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.94% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
48 Month CD
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
48 Month Share Certificates
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 48 Month
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Certificate
$2,000
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.77% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
48 Month Share Certificate Account
$0
3.55%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.77% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48 Month Jumbo IRA Certificate
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.72% above national avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
48 Month Certificate
$0
3.45%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.67% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.40%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.62% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.35%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.57% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$0
3.30%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▲ 0.52% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
48 Month Certificate
$1,000
3.25%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 0.47% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 48 Month
$0
3.25%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.47% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
48 Month CD
$1,000
3.20%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.42% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48 Month IRA Certificate
$1,000
3.20%
▲ 0.42% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.42% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48-month Boost Certificate
$1,000
3.20%
▲ 0.42% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.42% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
48-month Certificate
$1,000
3.20%
▲ 0.42% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.42% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate
$0
3.03%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.25% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate - 4 Year
$0
3.03%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.25% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
48 Month Certificate
$0
2.90%
▲ 0.12% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.12% above avg
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Month Certificate
$1,000
2.85%
▲ 0.07% above national avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.07% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate
$0
2.83%
▲ 0.05% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.05% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate - 4 Year
$0
2.83%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.05% above avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
48 Month Certificate
$1,000
2.82%
▲ 0.04% above national avg
▼
Rate2.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.78%▲ 0.04% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate
$0
2.78%
At national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%At the average
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate - 4 Year
$0
2.78%
At national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%At the average
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate
$0
2.73%
▼ 0.05% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▼ 0.05% below avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4-Year Share or IRA Certificate - 4 Year
$0
2.73%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▼ 0.05% below avg
Details
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 4 Year
$0
2.68%
▼ 0.10% below national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.10% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48-Month CD
$1,000
2.60%
▼ 0.18% below national avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▼ 0.18% below avg
Details
Jumbo rates available for balances $100,000 or greater.
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48-Months IRA
$250
2.60%
▼ 0.18% below national avg
▼
Rate2.58%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▼ 0.18% below avg
Details
Jumbo rates available for balances $100,000 or greater.
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
48 Month Certificate
$0
2.56%
▼ 0.22% below national avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.78%▼ 0.22% below avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
48 Months
$1,000
2.50%
▼ 0.28% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.78%▼ 0.28% below avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
48 Month CD
$1,000
2.40%
▼ 0.38% below national avg
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▼ 0.38% below avg
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.31%
48 Month IRA Certificates - Four Year
$0
2.28%
▼ 0.50% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.50% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 years Share Certificate (CD)
$0
2.04%
▼ 0.74% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.74% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48-month certificate
$0
2.04%
▼ 0.74% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▼ 0.74% below avg
Details
APY for Balance Over $10,000
Fort Towson 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
5 Year Certificates
$0
4.49%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.63% above avg
Details
5 Yr Certificate - $100k: 78% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 4.49% APY compared to 2.52% APY for the Anchorage/Mat-Su Area market average over the life of a 5 year share certificate at $100,000.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Jumbo, 5 Year Term Certificate
$0
4.49%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.63% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
4.06%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.20% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
3.96%
▲ 1.10% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.10% above avg
Details
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
60 Month Share Certificate Account
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Jumbo Rate
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
60 Month Share Certificates
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
IRA Certificates - 60 Month
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
60 Month IRA
$0
3.76%
▲ 0.90% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.90% above avg
Details
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
60 Month Certificate (5 Year)
$0
3.66%
▲ 0.80% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.80% above avg
Details
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
60 Month CD
$0
3.65%
▲ 0.79% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60 Month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 Month Certificate
$2,000
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.69% above avg
Details
APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
60 Month Share Certificate Account
$0
3.55%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.69% above avg
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Share Certificate
$0
3.53%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.67% above avg
Details
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.64% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.45%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.59% above avg
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
60 Month Certificate
$0
3.45%
▲ 0.59% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.59% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.40%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.54% above avg
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.35%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▲ 0.49% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60 Month IRA Certificate
$1,000
3.30%
▲ 0.44% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.44% above avg
Details
WeStreet Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
60-month Certificate
$1,000
3.30%
▲ 0.44% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.44% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
60 Month CD
$1,000
3.25%
▲ 0.39% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.39% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
60 Month Certificate
$1,000
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 0.39% above avg
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificate Accounts and IRA Certificates - 60 Month
$0
3.25%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.39% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5-Year Share or IRA Certificate
$0
3.09%
▲ 0.23% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.23% above avg
Details
True Sky Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 6.82%
5 year SCA
$0
3.05%
▲ 0.19% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.19% above avg
Details
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
60 Month Certificate
$1,000
3.03%
▲ 0.17% above national avg
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.86%▲ 0.17% above avg
Details
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
60 Month Certificate
$0
3.03%
▲ 0.17% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.17% above avg
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
60 Month CD
$0
3.00%
▲ 0.14% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.14% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
60 Month Certificate
$0
2.95%
▲ 0.09% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.09% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5-Year Share or IRA Certificate
$0
2.93%
▲ 0.07% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.07% above avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5-Year Share or IRA Certificate
$0
2.83%
▼ 0.03% below national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▼ 0.03% below avg
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5-Year Share or IRA Certificate
$0
2.78%
▼ 0.08% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▼ 0.08% below avg
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60 Month CD
$1,000
2.75%
▼ 0.11% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▼ 0.11% below avg
Details
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
60 Month Certificate
$0
2.63%
▼ 0.23% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▼ 0.23% below avg
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60-Month CD
$10,000
2.60%
▼ 0.26% below national avg
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▼ 0.26% below avg
Details
Jumbo rates available for balances $100,000 or greater.
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
60-Months IRA
$250
2.60%
▼ 0.26% below national avg
▼
Rate2.58%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▼ 0.26% below avg
Details
Jumbo rates available for balances $100,000 or greater.
Fort Sill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES - 5 Year
$0
2.58%
▼ 0.28% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.28% below avg
Details
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
60 Month Certificate
$1,000
2.55%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.86%▼ 0.31% below avg
Details
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
60 Months
$1,000
2.50%
▼ 0.36% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.86%▼ 0.36% below avg
Details
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
60 Month Certificate
$500
2.50%
▼ 0.36% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.36% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 years Share Certificate (CD)
$0
2.29%
▼ 0.57% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.57% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60-month certificate
$0
2.29%
▼ 0.57% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.57% below avg
Details
APY for Balance Over $10,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 years Share Certificate (CD)
$0
2.04%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.82% below avg
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60-month certificate
$1,000
2.04%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.82% below avg
Details
APY for Balance $1,000-9,999
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60 Month Share Certificate
$1,000
2.00%
▼ 0.86% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 0.86% below avg
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
60 Month Certificate
$1,000
1.31%
▼ 1.55% below national avg
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▼ 1.55% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Fort Towson, OK CD Rate Trends
Compare local Fort Towson, OK CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OK Avg
2.921%
▲ 0.081 vs 7 days ago
Oklahoma 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD OK Avg
2.746%
▲ 0.076 vs 7 days ago
Oklahoma 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 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
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
Powered by
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What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 15, 2026. | |||||
Sample CD Ladder for Fort Towson, 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 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/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.
469
CD Rates
Tracked in Fort Towson, Oklahoma
Tracked in Fort Towson, Oklahoma
39 Banks
27 Credit Unions
About Our Fort Towson, Oklahoma CD Rate Database
MonitorBankRates tracks 469 CD rates from 39 banks and 27 credit unions with locations in Fort Towson, 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 Fort Towson, Oklahoma.
How to Find the Best CD Rates in Fort Towson, Oklahoma
What to compare when shopping for a CD in Fort Towson, Oklahoma
To find the best APYs in Fort Towson, Oklahoma, start with credit unions and online-only banks: Fort Towson, Oklahoma has 27 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 Fort Towson, 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 Fort Towson, Oklahoma: 66 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Fort Towson, 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 Fort Towson, Oklahoma money market rates
Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$118/yr
At OK 12-mo avg 2.921% 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 2.921%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $118 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Fort Towson, 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 Fort Towson, Oklahoma savers easier access to their funds. For example, Bank of the Panhandle is offering its 6 Month Certificate at 4.84% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its 5 Year Certificates at 4.49% 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Fort Towson, 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 Fort Towson, Oklahoma
Are CD rates in Fort Towson, Oklahoma FDIC insured?
Yes, most established banks in Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, Oklahoma?
Here are recent top rates found for this area:
- Bank of the Panhandle: 4.84% APY (6 Month Certificate)
- ADVANCIAL: 4.49% APY (5 Year Certificates)
- The Community State Bank: 4.30% APY (6 Month CD)
- First Pryority Bank: 4.25% APY (36 Month Certificate)
- Bank of Commerce Duncan, OK: 4.25% APY (36 Month IRA)
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- Encentus Federal Credit Union: 4.08% APY (12 Month Jumbo Share Certificates)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 13-17))
- Exchange Bank and Trust Company: 4.06% APY (18 Month Certificate of Deposit)
- Regent Bank (OK): 4.05% APY (12 Month Certificate)
Rates reflect recent verified offers available in Fort Towson, Oklahoma. Last Updated: September 15, 2026
Fort Towson, 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 Fort Towson, Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Fort Towson, Oklahoma
Fort Towson, 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.
Fort Towson, Oklahoma CD LadderOK CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Fort Towson, 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 SavingsOklahoma’s average 12-month CD is 2.921% 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 Fort Towson, 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 Fort Towson, 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 Fort Towson, 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 15, 2026
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