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Midwest City, Oklahoma Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current CD rates in Midwest City, Oklahoma range from 3.10% to 4.25% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Midwest City, Oklahoma CD rates include Vio BankVio Bank201 N Midwest Blvd, Midwest City, OK 73110F1.0 ★Texas Ratio: 147.25%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, Tinker Federal Credit UnionTinker Federal Credit Union6501 Tinker Diagonal, Midwest City, OK 73110A+5.0 ★Texas Ratio: 2.34%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Term Share (Certificate) at 4.00% APY, WEOKIE Federal Credit UnionWEOKIE Federal Credit Union6100 SE 15th St, Midwest City, OK 73110A+5.0 ★Texas Ratio: 3.25%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Certificate Accounts and IRA Certificates at 3.75% APY, USE Federal Credit UnionUSE Federal Credit Union9244 E Reno Ave, Midwest City, OK 73130A+5.0 ★Texas Ratio: 0.79%Real return: +0.50%APY minus CPI (February 2026) offering 12 Month Certificates at 3.30% APY, and True Sky Federal Credit UnionTrue Sky Federal Credit Union7607 E Reno Ave, Midwest City, OK 73110B+4.4 ★Texas Ratio: 8.51%Real return: +0.30%APY minus CPI (February 2026) offering 7-12 Month SCA at 3.10% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.
Midwest City has 129 local institutions in our database, with CD rates as high as 4.25% APY from Vio Bank at 201 N Midwest Blvd, Midwest City, OK 73110. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Oklahoma area. Rates are continually updated, 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 28, 2026
Compare Best CD Rates in Midwest City, Oklahoma & the Surrounding Area
Midwest City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
3 Month Term Share (Certificate)
$0
3.41%
▲ 1.33% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.33% above avg
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
3 Month Term Share (Certificate)
$0
3.30%
▲ 1.22% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.22% above avg
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 2 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
3 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.17% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.25% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
3 Month Term Share (Certificate)
$0
3.20%
▲ 1.12% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.12% above avg
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
3 Month Term Share (Certificate)
$0
3.10%
▲ 1.02% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.02% above avg
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
3 Month Term Share (Certificate) / IRA
$0
2.94%
▲ 0.86% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.86% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7607 E Reno Ave, Midwest City, OK 73110
90 Days SCA
$0
1.30%
▼ 0.78% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 0.78% below avg
Details
Rate History
No change since Sep 21, 2026 · 1.30% APY
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
3 Month CD
$1,000
0.80%
▼ 1.28% below national avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.28% below avg
Details
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
90 Day Standard CD Products
$0
0.06%
▼ 2.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 0.06% APY · checked 3 times
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
5.10%
▲ 3.02% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.08%▲ 3.02% above avg
Details
$50,000+
Rate History
No change since Sep 19, 2026 · 5.10% APY
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
90 Day Certificates of Deposit
$0
4.84%
▲ 2.76% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.08%▲ 2.76% above avg
Details
$1,000 - $49,999
Rate History
No change since Sep 19, 2026 · 4.84% APY
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.53%
3-Month CD
$1,000
4.00%
▲ 1.92% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.92% above avg
Details
Interest credited At Maturity; Rates and Annual Percentage Yields are effective as of 12/19/25 and subject to change without notice. No brokered or institutional deposits. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Minimum balance required to obtain the annual percentage yield is $1,000. Fees may reduce earnings. Early withdrawal penalties may apply.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Share Certificate
$1,000
4.00%
▲ 1.92% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.92% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. The following terms are available as follows: 3 months, and 6 months. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.
Rate History
1 change since Sep 18, 2026 · 2.00% → 4.00% ▲ 2.00 pts · high 4.00% / low 2.00%
- Sep 24, 20264.00%▲ from 2.00%
- Sep 18, 20262.00%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.77% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.77% above avg
Details
Special Offer. For balances under $100k. Apply now.
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Sep 27, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.75%
▲ 1.67% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.67% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.65%
▲ 1.57% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.57% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
3 Month (90 Day) CD
$0
3.60%
▲ 1.52% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.52% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$0
3.55%
▲ 1.47% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.47% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month CD
$500
3.50%
▲ 1.42% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month IRA Certificate Special
$1,000
3.50%
▲ 1.42% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
3.50%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details
Balance: $500.00 - $999.99
Rate History
No change since Sep 25, 2026 · 3.50% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$200,000
3.50%
▲ 1.42% above national avg
▼
Rate3.46%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.42% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 26, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month Certificate
$0
3.41%
▲ 1.33% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.33% above avg
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates and Over)
$100,000
3.41%
▲ 1.33% above national avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.33% above avg
Details
$100,000
Rate History
No change since Sep 21, 2026 · 3.41% APY
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.32% above avg
Details
Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
First State Bank Tahlequah, OK
Institution Rating:
B-4.3 ★Texas Ratio: 23.38%
3 Month Certificate
$50,000
3.35%
▲ 1.27% above national avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.27% above avg
Details
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 3 times
First State Bank Tahlequah, OK
Institution Rating:
B-4.3 ★Texas Ratio: 23.38%
3 Month Certificate
$1,000
3.30%
▲ 1.22% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.22% above avg
Details
Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates
$1,000
3.30%
▲ 1.22% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.22% above avg
Details
$1,000 - $99,999
Rate History
No change since Sep 21, 2026 · 3.30% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$50,000
3.30%
▲ 1.22% above national avg
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.22% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 26, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
3 Month Certificate
$0
3.15%
▲ 1.07% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.07% above avg
Details
Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$1,000
3.10%
▲ 1.02% above national avg
▼
Rate3.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.02% above avg
Details
Rate History
1 change since Sep 18, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Sep 26, 20263.10%▲ from 2.85%
- Sep 18, 20262.85%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
90 Day Certificate of Deposit
$2,000
3.04%
▲ 0.96% above national avg
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.96% 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.
Rate History
No change since Sep 24, 2026 · 3.04% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month CD
$1,000
3.00%
▲ 0.92% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
3 Month Share Certificates
$1,000
3.00%
▲ 0.92% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.92% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3 Month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.87% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.87% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.87% above national avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.87% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3 Month IRA Certificate
$1,000
2.90%
▲ 0.82% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.82% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Certificate
$1,000
2.90%
▲ 0.82% above national avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.82% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.47% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.47% above avg
Details
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.39% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.39% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.39% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.39% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.37% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.37% above avg
Details
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.26% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.26% above avg
Details
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Certificates
$0
2.27%
▲ 0.19% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.19% above avg
Details
Rate History
No change since Sep 21, 2026 · 2.27% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates
$0
2.27%
▲ 0.19% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.19% above avg
Details
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Certificate of Deposit
$1,000
2.25%
▲ 0.17% above national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.17% above avg
Details
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 2 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business Certificate of Deposit - 3 Month
$1,000
2.25%
▲ 0.17% above national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.17% above avg
Details
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 3 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month Certificates of Deposit (CDs)
$1,000
2.02%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.06% below avg
Details
Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 3 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Month Certificates of Deposit
$0
2.00%
▼ 0.08% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▼ 0.08% below avg
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
3 Month CD
$1,000
1.50%
▼ 0.58% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.58% below avg
Details
Balance: $1,000+
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 3 times
Midwest City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
6 Month Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
6 Month Term Share (Certificate)
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.83% above avg
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
6 Month Term Share (Certificate)
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
6 Month Certificate Accounts and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.50% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
6 Month Term Share (Certificate)
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.63% above avg
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
6 Month Term Share (Certificate)
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.52% above avg
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Sep 24, 2026 · 3.29% APY · checked 2 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
6 Month Certificates
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.25% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
IRA Certificates 6 Months
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.25% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
6 Month Term Share (Certificate) / IRA
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.37% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 90 Days
Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7607 E Reno Ave, Midwest City, OK 73110
6 Month SCA
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.00% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
180 Day Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
6 Month IRA CDs
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
6 Month CD
$1,000
0.90%
▼ 1.87% below national avg
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 1.87% below avg
Details
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
6 Month Certificate
$0
0.65%
▼ 2.12% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.12% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
6 Month IRA Certificate
$0
0.65%
▼ 2.12% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.12% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
6 Month Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
6 Month IRA Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 2 times
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
5.10%
▲ 2.33% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.33% above avg
Details
$50,000+
Rate History
No change since Sep 19, 2026 · 5.10% APY
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
6 Month Certificates of Deposit
$0
4.84%
▲ 2.07% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.07% above avg
Details
$1,000 - $49,999
Rate History
No change since Sep 19, 2026 · 4.84% APY
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month CD
$0
4.55%
▲ 1.78% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.78% above avg
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
- Sep 24, 20264.55%▲ from 4.30%
- Sep 14, 20264.30%first recorded
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month CD
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.53% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 3 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
Certificates of Deposit & IRAs - 6 Months
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.43% above avg
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate (Age 13-17)
$0
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.30% above avg
Details
Age: 13-17
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.07%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.30% above avg
Details
TEAL is short for Teens Earning And LEarning, but any member from 13 to 17 years of age can have one of these lower-deposit certificates. Stop in your local branch to give them a great start to their financial future.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
6 Month Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.28% above avg
Details
Early Withdrawal Penalty: 3 Month Interest Penalty
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 4 times
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6 Month Certificate
$1,000
4.01%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.24% above avg
Details
Rate History
No change since Sep 7, 2026 · 4.01% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
6 Month Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. The following terms are available as follows: 3 months, and 6 months. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.
Rate History
1 change since Sep 18, 2026 · 2.75% → 4.00% ▲ 1.25 pts · high 4.00% / low 2.75%
- Sep 24, 20264.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.23% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.19% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.13% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6 Month Jumbo IRA Certificate
$100,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
IRA Certificate 6 Months
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.05% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 4 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Certificate
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Rate History
No change since Sep 22, 2026 · 3.80% APY
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
6 Month CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000+
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
6 Month (180 Day) CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month Term
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
6 Month Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.94% above avg
Details
Rate History
No change since Sep 11, 2026 · 3.71% APY · checked 4 times
Lakeside Bank of Salina
Institution Rating:
B-4.3 ★Texas Ratio: 23.04%
6 Month Certificates of Deposit
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.94% above avg
Details
Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 3 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
6 Month Certificates of Deposit (CDs)
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 3 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.89% above avg
Details
Balance: $100,000 - <$250,000
Rate History
1 change since Sep 11, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
- Sep 24, 20263.66%▲ from 3.60%
- Sep 11, 20263.60%first recorded
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month CDs & IRAs
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.89% above avg
Details
Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 3 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
6-month CD
$50,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6 Month IRA Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.88% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.88% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $1,500 - <$10,000
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.61% ▲ 0.06 pts · high 3.61% / low 3.55%
- Sep 24, 20263.61%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.84% above avg
Details
minimum $1,000
Rate History
No change since Sep 25, 2026 · 3.61% APY
Midwest City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
12 Month Certificate
$0
4.00%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
12 Month Term Share (Certificate)
$0
3.76%
▲ 0.82% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.82% above avg
Details
Early Withdrawal Penalty: 120 Days
Rate History
No change since Sep 24, 2026 · 3.76% APY · checked 2 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
12 Month Certificate Accounts and IRA Certificates
$0
3.75%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.75% APY
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
12-Month Certificate Account
$1,000
3.75%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.81% above avg
Details
Will automatically renew at maturity into a standard 12-Month Certificate at the prevailing rate at that time.
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
12 Month Term Share (Certificate)
$0
3.65%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.71% above avg
Details
Early Withdrawal Penalty: 120 Days
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
12 Month Term Share (Certificate)
$0
3.55%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details
Early Withdrawal Penalty: 120 Days
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
12 Month Term Share (Certificate)
$0
3.45%
▲ 0.51% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.51% above avg
Details
Early Withdrawal Penalty: 120 Days
Rate History
No change since Sep 24, 2026 · 3.45% APY · checked 2 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
12 Month Certificates
$0
3.30%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.36% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.30% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
IRA Certificates 12 Months
$0
3.30%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.36% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.30% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
12 Month Term Share (Certificate) / IRA
$0
3.29%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.35% above avg
Details
IRA ONLY; Early Withdrawal Penalty: 120 Days
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7607 E Reno Ave, Midwest City, OK 73110
7-12 Month SCA
$0
3.10%
▲ 0.16% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.16% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.10% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
1 Year IRA CDs
$0
1.50%
▼ 1.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
1 Year Standard CD Products
$0
1.50%
▼ 1.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
12 Month CD
$1,000
1.00%
▼ 1.94% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 1.94% below avg
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
12 Month Certificate
$0
0.75%
▼ 2.19% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.19% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
12 Month IRA Certificate
$0
0.75%
▼ 2.19% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.19% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
12 Month Certificate
$0
0.65%
▼ 2.29% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.29% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
12 Month IRA Certificate
$0
0.65%
▼ 2.29% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.29% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 2 times
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
12 Month Certificates of Deposit
$0
4.84%
▲ 1.90% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.94%▲ 1.90% above avg
Details
$50,000+
Rate History
No change since Sep 19, 2026 · 4.84% APY
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
12 Month Certificates of Deposit
$0
4.58%
▲ 1.64% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.94%▲ 1.64% above avg
Details
$1,000 - $49,999
Rate History
No change since Sep 19, 2026 · 4.58% APY
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.42%
▲ 1.48% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.48% above avg
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
- Sep 24, 20264.42%▲ from 4.16%
- Sep 14, 20264.16%first recorded
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.30%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
12 Month Certificate
$1,000
4.26%
▲ 1.32% above national avg
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.32% above avg
Details
Rate History
1 change since Sep 7, 2026 · 3.80% → 4.26% ▲ 0.46 pts · high 4.26% / low 3.80%
- Sep 27, 20264.26%▲ from 3.80%
- Sep 7, 20263.80%first recorded
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
Certificates of Deposit & IRAs - 12 Months
$0
4.25%
▲ 1.31% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details
Rate History
No change since Sep 27, 2026 · 4.25% APY
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.24% above national avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.24% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 4 times
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.16%
▲ 1.22% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.22% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 Month Jumbo Share Certificates
$0
4.08%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.14% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 5 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
12 Month Certificate
$0
4.07%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.13% above avg
Details
Published APY range: 4.07%/4.06%.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Sep 25, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
12 Month Certificate
$1,000
4.05%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details
Early Withdrawal Penalty: 3 Month Interest Penalty
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 4 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$0
4.00%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
12 Month Community Bank Certificate of Deposit
$2,500
4.00%
▲ 1.06% above national avg
▼
Rate3.94%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month IRA
$0
4.00%
▲ 1.06% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 3 times
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Certificate
$1,000
4.00%
▲ 1.06% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
12 Month Share Certificates
$1,000
4.00%
▲ 1.06% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year CD
$0
4.00%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year Term
$1,000
4.00%
▲ 1.06% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$0
3.96%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.02% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month CD
$0
3.95%
▲ 1.01% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.01% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
12 Month CD (also IRA)
$0
3.90%
▲ 0.96% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.85%
▲ 0.91% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.91% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month Certificates
$200,000
3.85%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.91% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Sep 26, 20263.85%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
12 Month CD
$0
3.80%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.86% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
12 Month Certificate
$1,000
3.80%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.86% above avg
Details
Rate History
No change since Sep 22, 2026 · 3.80% APY
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1 YEAR CD
$0
3.79%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.85% above avg
Details
Compounding Frequency: SEMI ANNUALLY
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 3 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
12-month CD
$0
3.75%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA Certificate Special
$1,000
3.75%
▲ 0.81% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
12 Month Jumbo IRA Certificate
$100,000
3.75%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12-Month CD Special
$0
3.70%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.76% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1 Year Certificate of Deposit
$0
3.70%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.76% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 3 times
Midwest City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
18 Month Certificate
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
18 Month IRA CDs
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.32% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
18 Month Standard CD Products
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.32% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
18 Month CD
$1,000
1.15%
▼ 1.67% below national avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▼ 1.67% below avg
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
18 Month Certificate
$0
0.85%
▼ 1.97% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.97% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
18 Month IRA Certificate
$0
0.85%
▼ 1.97% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.97% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
18 Month Certificate
$0
0.75%
▼ 2.07% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.07% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
18 Month IRA Certificate
$0
0.75%
▼ 2.07% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.07% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.40%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.58% above avg
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
4.06%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.24% above avg
Details
$50,000+
Rate History
No change since Sep 19, 2026 · 4.06% APY
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 27, 2026
National Average2.82%▲ 1.24% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
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 28, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
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 28, 2026
National Average2.82%▲ 1.23% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 20, 2026 · 4.05% APY · checked 3 times
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.28%
18-month CD
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details
CD Rate Special!
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
18 Month Certificates of Deposit (CDs)
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
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 27, 2026
National Average2.82%▲ 1.14% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
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 28, 2026
National Average2.82%▲ 1.14% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
18 Month IRA/Share Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.08% above avg
Details
Rate History
No change since Sep 25, 2026 · 3.90% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$200,000
3.90%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.08% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
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 27, 2026
National Average2.82%▲ 1.04% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.86% APY · checked 2 times
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 27, 2026
National Average2.82%▲ 1.03% above avg
Details
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 4 times
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 27, 2026
National Average2.82%▲ 1.03% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Jumbo Share Certificates
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.00% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18 Month Certificates of Deposit
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
$1,000 - $49,999
Rate History
No change since Sep 19, 2026 · 3.80% APY
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Certificate
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.98% above avg
Details
Rate History
No change since Sep 22, 2026 · 3.80% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
18 Month Certificate
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.94% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
18 Month Share Certificates
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.93% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$50,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.88% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 26, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
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 28, 2026
National Average2.82%▲ 0.83% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month IRA Account
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.68% above avg
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Sep 28, 2026 · 3.50% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.68% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Sep 26, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate of Deposit
$2,000
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 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.
Rate History
No change since Sep 24, 2026 · 3.49% APY · checked 2 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
IRA Certificate 18 Months
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.63% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.62% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.62% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 3 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.58% above avg
Details
minimum $500
Rate History
No change since Sep 25, 2026 · 3.40% APY
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 27, 2026
National Average2.82%▲ 0.48% above avg
Details
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 3 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
Certificate of Deposit - 18 months
$500
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.48% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18 month Jumbo Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.48% above avg
Details
Jumbo ($95,000 Minimum)
Rate History
No change since Sep 25, 2026 · 3.30% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.46% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.46% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.28% APY · checked 3 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 month IRA Certificates
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.43% above avg
Details
minimum $50
Rate History
No change since Sep 25, 2026 · 3.25% APY
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18 month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.43% above avg
Details
Regular ($1,000 Minimum)
Rate History
No change since Sep 25, 2026 · 3.25% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.42% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.24% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates
$0
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.42% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 3 times
First State Bank Tahlequah, OK
Institution Rating:
B-4.3 ★Texas Ratio: 23.38%
18 Month Certificate
$50,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.38% above avg
Details
Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 3 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
18-month Jumbo Certificate
$100,000
3.20%
▲ 0.38% above national avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.38% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.18%
▲ 0.36% above national avg
▼
Rate3.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.36% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.18% APY · checked 3 times
First State Bank Tahlequah, OK
Institution Rating:
B-4.3 ★Texas Ratio: 23.38%
18 Month Certificate
$1,000
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.33% above avg
Details
Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 3 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
18-month Certificate
$1,000
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.33% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
Midwest City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate)
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate)
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.96% above avg
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate)
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate)
$0
3.59%
▲ 0.75% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.75% above avg
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 24, 2026 · 3.59% APY · checked 2 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
24 Month Certificate Accounts and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.50% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.65% above avg
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 18, 2026 · 3.49% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate)
$0
3.44%
▲ 0.60% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.60% above avg
Details
Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 24, 2026 · 3.44% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
24 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.50% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.50% above avg
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 180 Days
Rate History
No change since Sep 18, 2026 · 3.34% APY · checked 3 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
24 Month Certificates
$0
3.10%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.10% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
IRA Certificates 24 Months
$0
3.10%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.26% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.10% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
2 Year IRA CDs
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
2 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
24 Month CD
$1,000
1.21%
▼ 1.63% below national avg
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 1.63% below avg
Details
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
24 Month Certificate
$0
0.95%
▼ 1.89% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.89% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
24 Month IRA Certificate
$0
0.95%
▼ 1.89% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.89% below avg
Details
Balance: $75,000.00+
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
24 Month Certificate
$0
0.85%
▼ 1.99% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.99% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
24 Month IRA Certificate
$0
0.85%
▼ 1.99% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.99% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.40%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
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 28, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
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 28, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 20, 2026 · 4.15% APY · checked 3 times
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 27, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
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 27, 2026
National Average2.84%▲ 1.21% above avg
Details
Early Withdrawal Penalty: 6 Month Interest Penalty
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 4 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
24 Month Certificates of Deposit (CDs)
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.21% above avg
Details
Rate History
No change since Sep 19, 2026 · 4.05% APY · checked 3 times
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 27, 2026
National Average2.84%▲ 1.16% above avg
Details
Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificates
$200,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 26, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 4 times
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 27, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
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 28, 2026
National Average2.84%▲ 1.12% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Certificate Special
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
24 Month Certificates of Deposit
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
$50,000+
Rate History
No change since Sep 19, 2026 · 3.85% APY
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 27, 2026
National Average2.84%▲ 1.01% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificates
$50,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.96% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Roth IRA Certificates
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.96% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Traditional IRA Certificates
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.96% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
24 Month Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.93% above avg
Details
Published APY range: 3.77%/3.75%.
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.77% ▲ 0.07 pts · high 3.77% / low 3.70%
- Sep 25, 20263.77%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
24 Month Certificate
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.92% above avg
Details
Published APY range: 3.76%/3.75%.
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.76% ▲ 0.06 pts · high 3.76% / low 3.70%
- Sep 25, 20263.76%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates and Over)
$100,000
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.92% above avg
Details
$100,000
Rate History
No change since Sep 21, 2026 · 3.76% APY
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
$1,000 - $99,999
Rate History
No change since Sep 21, 2026 · 3.65% APY
Bank of the Panhandle
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
24 Month Certificates of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
$1,000 - $49,999
Rate History
No change since Sep 19, 2026 · 3.60% APY
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 28, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
No change since Sep 25, 2026 · 3.60% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificates
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
- Sep 26, 20263.60%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Bump CD
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $100,000 - <$250,000
Rate History
1 change since Sep 11, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
- Sep 24, 20263.56%▲ from 3.50%
- Sep 11, 20263.50%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month IRA Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $100,000 - <$250,000
Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 2 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Jumbo Share Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.72% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Certificate of Deposit
$2,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 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.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Bump CD
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $10,000 - <$25,000
Rate History
1 change since Sep 11, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
- Sep 24, 20263.51%▲ from 3.45%
- Sep 11, 20263.45%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month IRA Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $10,000 - <$25,000
Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 2 times
Midwest City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate)
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.14% above avg
Details
Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate)
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details
Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate)
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details
Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate)
$0
3.59%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.83% above avg
Details
Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 24, 2026 · 3.59% APY · checked 2 times
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
36 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate) / IRA
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.73% above avg
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 18, 2026 · 3.49% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate)
$0
3.44%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.68% above avg
Details
Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 24, 2026 · 3.44% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
36 Month Term Share (Certificate) / IRA
$0
3.34%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.58% above avg
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 240 Days
Rate History
No change since Sep 18, 2026 · 3.34% APY · checked 3 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
36 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.25% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
36 Month Certificates
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.10% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
IRA Certificates 36 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.10% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
3 Year IRA CDs
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.26% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
3 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
36 Month CD
$1,000
1.31%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 1.45% below avg
Details
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month Certificate
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.61% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month IRA Certificate
$0
1.15%
▼ 1.61% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.61% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month Certificate
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.66% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month IRA Certificate
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.66% below avg
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 18, 2026 · 1.10% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month Certificate
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.71% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
36 Month IRA Certificate
$0
1.05%
▼ 1.71% below national avg
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.71% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 1.05% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Month CD
$0
4.40%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.64% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 3 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
36 Month Certificates of Deposit (CDs)
$1,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
Details
Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month IRA
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.49% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 20, 2026 · 4.25% APY · checked 3 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.39% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$200,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.34% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 26, 20264.10%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.30% above avg
Details
Balance: $100,000 & Over
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 2 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$0
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.20% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.15% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$50,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.14% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Roth IRA Certificates
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.14% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Traditional IRA Certificates
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.14% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
36 Month CD
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.04% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates and Over)
$100,000
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
$100,000
Rate History
No change since Sep 21, 2026 · 3.80% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.99% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.99% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
$1,000 - $99,999
Rate History
No change since Sep 21, 2026 · 3.70% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.94% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 26, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$100,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.89% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.65% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Share Certificate
$100,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.89% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Sep 24, 20263.65%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Certificate of Deposit
$2,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% 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.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
36 Month Share Certificate Account
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
36 Month Certificate
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.75% above avg
Details
Published APY range: 3.51%/3.49%.
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.50% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Share Certificate
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.74% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 24, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.74% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Midwest City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate)
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.21% above avg
Details
Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate)
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details
Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate)
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details
Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate)
$0
3.64%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.89% above avg
Details
Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 24, 2026 · 3.64% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.79% above avg
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 18, 2026 · 3.54% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate)
$0
3.49%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.74% above avg
Details
Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 24, 2026 · 3.49% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
48 Month Term Share (Certificate) / IRA
$0
3.39%
▲ 0.64% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.64% above avg
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 300 Days
Rate History
No change since Sep 18, 2026 · 3.39% APY · checked 3 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
48 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.50% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.25% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
48 Month Certificates
$0
3.05%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.30% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.05% APY
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
9244 E Reno Ave, Midwest City, OK 73130
IRA Certificates 48 Months
$0
3.05%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.30% above avg
Details
Balance: $500 - $100,000+
Rate History
No change since Sep 25, 2026 · 3.05% APY
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
48 Month Certificate
$0
2.75%
At national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
4 Year IRA CDs
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.25% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
4 Year Standard CD Products
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.25% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
FNB Community Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.65%
2911 S Air Depot Blvd, Midwest City, OK 73110
48 Month CD
$1,000
1.36%
▼ 1.39% below national avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▼ 1.39% below avg
Details
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 4 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month Certificate
$0
1.20%
▼ 1.55% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.55% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month IRA Certificate
$0
1.20%
▼ 1.55% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.55% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 18, 2026 · 1.20% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month Certificate
$0
1.15%
▼ 1.60% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.60% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month IRA Certificate
$0
1.15%
▼ 1.60% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.60% below avg
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month Certificate
$0
1.10%
▼ 1.65% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.65% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
48 Month IRA Certificate
$0
1.10%
▼ 1.65% below national avg
▼
Rate1.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.65% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 1.10% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
48 Month CD
$0
4.15%
▲ 1.40% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 1.40% above avg
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$200,000
4.15%
▲ 1.40% above national avg
▼
Rate4.09%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.40% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 26, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.37% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.37% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.12% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.31% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.26% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.26% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.21% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$50,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.20% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Roth IRA Certificates
$1,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.20% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Traditional IRA Certificates
$1,000
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.20% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.16% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.15% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.90% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate
$100,000
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.15% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Sep 24, 20263.90%▲ from 3.65%
- Sep 18, 20263.65%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Plus Certificates
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.10% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.10% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates and Over)
$100,000
3.85%
▲ 1.10% above national avg
▼
Rate3.79%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.10% above avg
Details
$100,000
Rate History
No change since Sep 21, 2026 · 3.85% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 24, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.00% above avg
Details
$1,000 - $99,999
Rate History
No change since Sep 21, 2026 · 3.75% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.00% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
- Sep 26, 20263.75%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
48 Month CD
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.95% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.90% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.65% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate
$100,000
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.90% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.90% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.90% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Certificate of Deposit
$2,000
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.80% 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.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
48 Month Share Certificate Account
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
48 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.76% above avg
Details
Published APY range: 3.51%/3.49%.
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.50% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.75% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.75% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Midwest City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate)
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details
Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate)
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details
Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 1.05% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.05% above avg
Details
Balance: $99,000 and over; Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 18, 2026 · 3.89% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate)
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.95% above avg
Details
Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate)
$0
3.69%
▲ 0.85% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.85% above avg
Details
Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 24, 2026 · 3.69% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate) / IRA
$0
3.63%
▲ 0.79% above national avg
▼
Rate3.53%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.79% above avg
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 18, 2026 · 3.63% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate)
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.69% above avg
Details
Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 24, 2026 · 3.53% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6501 Tinker Diagonal, Midwest City, OK 73110
60 Month Term Share (Certificate) / IRA
$0
3.43%
▲ 0.59% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.59% above avg
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 360 Days
Rate History
No change since Sep 18, 2026 · 3.43% APY · checked 3 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6100 SE 15th St, Midwest City, OK 73110
60 Month Certificate Accounts and IRA Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.25% APY
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7607 E Reno Ave, Midwest City, OK 73110
5 year SCA
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.05% APY
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
201 N Midwest Blvd, Midwest City, OK 73110
60 Month Certificate
$0
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.09% below avg
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
5 Year IRA CDs
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1500 Midwest Boulevard, Midwest City, OK 73110
5 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month Certificate
$0
1.25%
▼ 1.59% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.59% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month IRA Certificate
$0
1.25%
▼ 1.59% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.59% below avg
Details
Balance: $225,000.00+
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month Certificate
$0
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.64% below avg
Details
Balance: $75,000.00 - $224,999.99; Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month IRA Certificate
$0
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.64% below avg
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 18, 2026 · 1.20% APY · checked 2 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month Certificate
$0
1.15%
▼ 1.69% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.69% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1704 S AIR DEPOT BLVD, MIDWEST CITY, OK 73110
60 Month IRA Certificate
$0
1.15%
▼ 1.69% below national avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.69% below avg
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.65% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.65% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.49% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.55% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.39% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.44% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.44% above avg
Details
Rate History
No change since Sep 18, 2026 · 4.28% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details
Rate History
No change since Sep 27, 2026 · 4.15% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Sep 24, 20264.15%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Roth IRA Certificates
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.21% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Traditional IRA Certificates
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.21% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.17% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.17% above avg
Details
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 24, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.90% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.96% above avg
Details
Rate History
No change since Sep 21, 2026 · 3.80% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.96% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
60 Month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.81% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60 Month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.76% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 Month Certificate of Deposit
$2,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 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.
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
60 Month Share Certificate Account
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $100,000 - <$250,000
Rate History
1 change since Sep 11, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
- Sep 24, 20263.51%▲ from 3.45%
- Sep 11, 20263.45%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
60 Month Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.67% above avg
Details
Published APY range: 3.51%/3.49%.
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month CERTIFICATES OF DEPOSIT & IRAS
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.66% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $10,000 - <$25,000
Rate History
1 change since Sep 11, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Sep 24, 20263.45%▲ from 3.40%
- Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $1,500 - <$10,000
Rate History
1 change since Sep 11, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Sep 24, 20263.40%▲ from 3.35%
- Sep 11, 20263.35%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60 Month IRA Certificate
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.46% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month Certificate
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.46% above avg
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
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MonitorBankRates
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.
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Midwest City, OK CD Rate Trends
Compare local Midwest City, 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
2.942%
▼ 0.010 vs 7 days ago
Oklahoma 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.
6-Month CD OK Avg
2.768%
▲ 0.001 vs 7 days ago
Oklahoma 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.
As of Sep 28, 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
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%
Powered by
MonitorBankRates
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 | 2.076% | $103.80 | $207.59 | $518.98 | $1,037.95 |
| 6-Month CD | 2.768% | $138.39 | $276.78 | $691.95 | $1,383.90 |
| 12-Month CD | 2.942% | $147.08 | $294.15 | $735.38 | $1,470.75 |
| 18-Month CD | 2.817% | $140.84 | $281.67 | $704.18 | $1,408.35 |
| 24-Month CD | 2.836% | $141.82 | $283.64 | $709.10 | $1,418.20 |
| 36-Month CD | 2.757% | $137.86 | $275.71 | $689.28 | $1,378.55 |
| 48-Month CD | 2.751% | $137.54 | $275.08 | $687.70 | $1,375.40 |
| 60-Month CD | 2.843% | $142.17 | $284.33 | $710.83 | $1,421.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026. | |||||
Sample CD Ladder for Midwest City, 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 | 2.076% | $103.80 |
| 2 | 6-Month CD | $5,000 | 2.768% | $138.39 |
| 3 | 12-Month CD | $5,000 | 2.942% | $147.08 |
| 4 | 24-Month CD | $5,000 | 2.836% | $141.82 |
| 5 | 36-Month CD | $5,000 | 2.757% | $137.86 |
| Total ($25,000 invested) | $25,000 | 2.676% blended | $668.95/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.
698
CD Rates
Tracked in Midwest City, Oklahoma
Tracked in Midwest City, Oklahoma
51 Banks
35 Credit Unions
About Our Midwest City, Oklahoma CD Rate Database
MonitorBankRates tracks 698 CD rates from 51 banks and 35 credit unions with locations in Midwest City, 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: Vio Bank offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Midwest City, Oklahoma.
How to Find the Best CD Rates in Midwest City, Oklahoma
What to compare when shopping for a CD in Midwest City, Oklahoma
To find the best APYs in Midwest City, Oklahoma, start with credit unions and online-only banks: Midwest City, Oklahoma has 35 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 Midwest City, 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 Midwest City, Oklahoma: 86 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Midwest City, 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 Midwest City, 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 2.942% 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 2.942%, 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 Midwest City, 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 Midwest City, 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 Midwest City, 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 Midwest City, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Midwest City, 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 Midwest City, Oklahoma savers easier access to their funds. For example, Vio Bank is offering its 6 Month Certificate at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tinker Federal Credit Union is offering its 60 Month Term Share (Certificate) at 4.00% 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 Midwest City, 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 Midwest City, 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 Midwest City, 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 Midwest City, 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 Midwest City, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Midwest City, 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 Midwest City, Oklahoma
Are CD rates in Midwest City, Oklahoma FDIC insured?
Yes, most established banks in Midwest City, 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 Midwest City, 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 Midwest City, 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 Midwest City, 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 Midwest City, Oklahoma?
Here are recent top rates found for this area:
- Vio Bank: 4.25% APY (24 Month Certificate)
- Tinker Federal Credit Union: 4.00% APY (60 Month Term Share (Certificate))
- WEOKIE Federal Credit Union: 3.75% APY (12 Month Certificate Accounts and IRA Certificates)
- USE Federal Credit Union: 3.30% APY (12 Month Certificates)
- True Sky Federal Credit Union: 3.10% APY (7-12 Month SCA)
- BOK Financial: 1.50% APY (1 Year IRA CDs)
- FNB Community Bank: 1.36% APY (48 Month CD)
- Oklahoma Educators Credit Union: 1.25% APY (60 Month Certificate)
- Bank of the Panhandle: 5.10% APY (6 Month Certificates of Deposit)
- The Community State Bank: 4.55% APY (6 Month CD)
Rates reflect recent verified offers available in Midwest City, Oklahoma. Last Updated: September 28, 2026
Midwest City, 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 Midwest City, Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Midwest City, Oklahoma
Midwest City, Oklahoma CD Calculator
At today’s OK top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Midwest City, Oklahoma CD LadderOK CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Midwest City, Oklahoma CD at 4.25% 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 2.942% 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 Midwest City, 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 Midwest City, 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 Midwest City, 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 28, 2026
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