Norman, Oklahoma Best CD Rates October 2026
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Norman, Oklahoma CD rates range from 0.02% to 4.87% APY, verified by MonitorBankRates as of October 23, 2026. Current Norman, Oklahoma CD rates include Tinker Federal Credit UnionTinker Federal Credit Union1451 12th Ave SE, Norman, OK 73071A+5.0 ★Texas Ratio: 2.34%Real return: +0.70%APY minus CPIRate verified Oct 20, 2026 offering 60 Month Term Share (Certificate) / IRA at 4.40% APY, Vio BankVio Bank315 W Boyd St, Norman, OK 73069A+5.0 ★Texas Ratio: 4.93%Real return: +0.70%APY minus CPIRate verified Oct 19, 2026 offering Certificate of Deposit - 24 Month at 4.40% APY, Communication Federal Credit UnionCommunication Federal Credit Union300 12th Ave SE, Norman, OK 73071 4924A5.0 ★Texas Ratio: 6.32%Real return: +0.65%APY minus CPIRate verified Oct 23, 2026 offering 18 Month IRA/Share Certificate at 4.35% APY, City National B&T Co. of Lawton, OKCity National B&T Co. of Lawton, OK333 N Interstate Dr, Norman, OK 73069B4.6 ★Texas Ratio: 19.27%Real return: +0.48%APY minus CPIRate verified Oct 22, 2026 offering 24 Month Certificate of Deposit - Compounding Monthly at 4.18% APY, and First Liberty BankFirst Liberty Bank3500 24th Ave Nw, Norman, OK 73069A+5.0 ★Texas Ratio: 0.50%Real return: +0.45%APY minus CPIRate verified Oct 22, 2026 offering 12 Month CD (also IRA) at 4.15% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Norman has 200 local institutions in our database, with CD rates as high as 4.40% APY from Tinker Federal Credit Union at 1451 12th Ave SE, Norman, OK 73071. 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: October 23, 2026
Compare Best CD Rates in Norman, Oklahoma & the Surrounding Area
Norman 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%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share (Certificate) / IRA
$0
3.41%
▲ 1.05% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share Certificate
$0
3.41%
▲ 1.05% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share (Certificate) / IRA
$0
3.30%
▲ 0.94% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share Certificate
$0
3.30%
▲ 0.94% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 60 Days
Rate History
2 changes since Sep 24, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.26%
- Oct 20, 20263.30%▲ from 3.26%
- Oct 14, 20263.26%▼ from 3.30%
- Sep 24, 20263.30%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share (Certificate) / IRA
$0
3.20%
▲ 0.84% above Oklahoma avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.84% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share Certificate
$0
3.20%
▲ 0.84% above Oklahoma avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.84% above avgNationally 2.13%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share (Certificate) / IRA
$0
3.10%
▲ 0.74% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share Certificate
$0
3.10%
▲ 0.74% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share (Certificate) / IRA
$0
2.94%
▲ 0.58% above Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.58% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
3 Month Term Share Certificate IRA
$0
2.94%
▲ 0.58% above Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.58% above avgNationally 2.13%
Details
IRA Only; Balance tier: $500; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 8 times
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
3 Month Certificate
$0
2.27%
▼ 0.09% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▼ 0.09% below avgNationally 2.13%
Details
Effective September 18, 2026
Rate History
No change since Oct 12, 2026 · 2.27% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
90 Days CD
$0
1.30%
▼ 1.06% below Oklahoma avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▼ 1.06% below avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 1.30% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
90 Days SCA
$1,000
1.30%
▼ 1.06% below Oklahoma avg
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▼ 1.06% below avgNationally 2.13%
Details
Rate History
No change since Sep 21, 2026 · 1.30% APY · checked 5 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
90 Day Standard CD Products
$1,000
0.06%
▼ 2.30% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▼ 2.30% below avgNationally 2.13%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 2 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25%
▲ 1.89% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.89% above avgNationally 2.13%
Details
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 23, 20264.25%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 1.64% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00%
▲ 1.64% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details
Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.00% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.64% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.64% above avgNationally 2.13%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 3 Month
$0
3.92%
▲ 1.56% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.56% above avgNationally 2.13%
Details
Minimum $75,000.00 Terms tier
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
- Oct 23, 20263.92%▲ from 3.41%
- Sep 25, 20263.41%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.49% above Oklahoma avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.49% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month CD
$0
3.75%
▲ 1.39% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.39% above avgNationally 2.13%
Details
Balance: $100,000 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 3 Month
$0
3.67%
▲ 1.31% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.31% above avgNationally 2.13%
Details
Balance: $20,000.00 Minimum
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
- Oct 23, 20263.67%▲ from 3.41%
- Sep 25, 20263.41%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month CD
$0
3.65%
▲ 1.29% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.29% above avgNationally 2.13%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 3.65% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
3 Month (90 Day) CD
$1,000
3.60%
▲ 1.24% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.24% above avgNationally 2.13%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month CD
$0
3.55%
▲ 1.19% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.19% above avgNationally 2.13%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50%
▲ 1.14% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details
Minimum Balance $500
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.14% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month IRA Certificate Special
$1,000
3.50%
▲ 1.14% above Oklahoma avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
Details
CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificate
$200,000
3.50%
▲ 1.14% above Oklahoma avg
▼
Rate3.46%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 1.14% above avgNationally 2.13%
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 CD
$0
3.41%
▲ 1.05% above Oklahoma avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details
Minimum $500.00 Terms
Rate History
No change since Oct 12, 2026 · 3.41% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates
$0
3.41%
▲ 1.05% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 1.05% above avgNationally 2.13%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 3 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.04% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 1.04% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
3 Month Certificates of Deposit
$50,000
3.35%
▲ 0.99% above Oklahoma avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 0.99% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
3 Month Certificates of Deposit
$1,000
3.30%
▲ 0.94% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates
$0
3.30%
▲ 0.94% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificate
$50,000
3.30%
▲ 0.94% above Oklahoma avg
▼
Rate3.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.94% above avgNationally 2.13%
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Jumbo CD
$100,000
3.25%
▲ 0.89% above Oklahoma avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.89% above avgNationally 2.13%
Details
Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Account - 3 Month
$1,000
3.25%
▲ 0.89% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.89% above avgNationally 2.13%
Details
APY will vary based on the daily balance maintained; Early withdrawal penalty: 1% for terms of 12 months or less
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
3 Month Certificate
$0
3.15%
▲ 0.79% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▲ 0.79% above avgNationally 2.13%
Details
Rates effective 07/15/2025
Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 11 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificate
$1,000
3.10%
▲ 0.74% above Oklahoma avg
▼
Rate3.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.74% above avgNationally 2.13%
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%
Certificates of Deposit - 90 Days
$2,000
3.04%
▲ 0.68% above Oklahoma avg
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▲ 0.68% above avgNationally 2.13%
Details
APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply
Rate History
No change since Oct 20, 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%
▲ 0.64% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.64% above avgNationally 2.13%
Details
Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 4 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Share Certificate - 3 Months
$0
3.00%
▲ 0.64% above Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.36%▲ 0.64% above avgNationally 2.13%
Details
Dividend Rate: 2.960%
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.59% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.59% above avgNationally 2.13%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.59% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.59% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Certificate
$1,000
2.90%
▲ 0.54% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.54% above avgNationally 2.13%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 9 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month IRA Certificate
$1,000
2.90%
▲ 0.54% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.54% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 9 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - 3 Month
$1,000
2.75%
▲ 0.39% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▲ 0.39% above avgNationally 2.13%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
- Oct 20, 20262.75%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65%
▲ 0.29% above Oklahoma avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.29% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55%
▲ 0.19% above Oklahoma avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.19% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Norman 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3500 24th Ave Nw, Norman, OK 73069
6 Month CD
$2,500
4.05%
▲ 0.82% above Oklahoma avg
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details
A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share (Certificate) / IRA
$0
3.96%
▲ 0.73% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
- Oct 2, 20263.96%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share Certificate
$0
3.96%
▲ 0.73% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
- Oct 20, 20263.96%▲ from 3.60%
- Sep 24, 20263.60%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share (Certificate) / IRA
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 2, 20263.85%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share Certificate
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 20, 20263.85%▲ from 3.50%
- Sep 24, 20263.50%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
6 Month CD
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
6 Month SCA
$1,000
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
- Oct 9, 20263.85%▲ from 3.00%
- Sep 21, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 6 Month
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.85% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share (Certificate) / IRA
$0
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 2, 20263.75%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share Certificate
$0
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 20, 20263.75%▲ from 3.40%
- Sep 24, 20263.40%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
6-Month Term CD
$1,000
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 6-Month
$1,000
3.75%
▲ 0.52% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.31% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.31% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29%
- Oct 2, 20263.54%▲ from 3.29%
- Sep 18, 20263.29%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share Certificate
$0
3.54%
▲ 0.31% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.31% above avgNationally 2.78%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 24, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29%
- Oct 20, 20263.54%▲ from 3.29%
- Sep 24, 20263.29%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
6 Month IRA/Share Certificate
$0
3.50%
▲ 0.27% above Oklahoma avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.27% above avgNationally 2.78%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share (Certificate) / IRA
$0
3.39%
▲ 0.16% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.16% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.14% → 3.39% ▲ 0.25 pts · high 3.39% / low 3.14%
- Oct 2, 20263.39%▲ from 3.14%
- Sep 18, 20263.14%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
6 Month Term Share Certificate IRA
$0
3.39%
▲ 0.16% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.16% above avgNationally 2.78%
Details
IRA Only; Balance tier: $500; Early Withdrawal Penalty: 90 Days
Rate History
1 change since Sep 18, 2026 · 3.14% → 3.39% ▲ 0.25 pts · high 3.39% / low 3.14%
- Oct 2, 20263.39%▲ from 3.14%
- Sep 18, 20263.14%first recorded
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
6 Month Certificate
$0
2.75%
▼ 0.48% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▼ 0.48% below avgNationally 2.78%
Details
APY printed as '2.79&' on the page (malformed, left blank); Effective September 18, 2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
180 Day Standard CD Products
$1,000
1.50%
▼ 1.73% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▼ 1.73% below avgNationally 2.78%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 6 Months
$1,000
1.50%
▼ 1.73% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▼ 1.73% below avgNationally 2.78%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
6 Month Certificate
$0
0.65%
▼ 2.58% below Oklahoma avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▼ 2.58% below avgNationally 2.78%
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
6 Month Certificate
$0
0.50%
▼ 2.73% below Oklahoma avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▼ 2.73% below avgNationally 2.78%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month CD
$1,000
4.55%
▲ 1.32% above Oklahoma avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 1.32% above avgNationally 2.78%
Details
Minimum of $1,000 to open; penalty may be imposed for early withdrawal; fees may reduce earnings
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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate (Age 13-17)
$250
4.33%
▲ 1.10% above Oklahoma avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details
Ages: 13-17; Dividends Credited/Compounded: Monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.10% above Oklahoma avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details
Ages: 13-17; Teens Earning And Learning; APY compounded monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 6 Months
$500
4.33%
▲ 1.10% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 1.10% above avgNationally 2.78%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
Certificate of Deposit - 6 Months
$1,000
4.20%
▲ 0.97% above Oklahoma avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.97% above avgNationally 2.78%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
6 Month CD
$1,000
4.05%
▲ 0.82% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
Business CD - 6 Months
$1,000
4.05%
▲ 0.82% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.82% above avgNationally 2.78%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
WSB Traditional CDs - 6 Month
$1,000
4.01%
▲ 0.78% above Oklahoma avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.78% above avgNationally 2.78%
Details
Interest Compounded: Monthly; Interest Credited: Monthly; Early Withdrawal Penalties May Apply
Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00%
▲ 0.77% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 6-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificate of Deposit - 6 Months
$1,000
4.00%
▲ 0.77% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Share/IRA Certificates
$0
4.00%
▲ 0.77% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.77% above avgNationally 2.78%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 4.00% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month CD
$0
3.96%
▲ 0.73% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificates
$0
3.96%
▲ 0.73% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.73% above avgNationally 2.78%
Details
Balance: $100,000 and Over
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.96% ▲ 0.46 pts · high 3.96% / low 3.50%
- Oct 19, 20263.96%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Month Share Certificates (CD) JUMBO
$100,000
3.90%
▲ 0.67% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.67% above avgNationally 2.78%
Details
Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 5, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month CD
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Jumbo Certificate
$100,000
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Jumbo IRA Certificate
$100,000
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificates
$0
3.85%
▲ 0.62% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.62% above avgNationally 2.78%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Oct 19, 20263.85%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
CD - 6 Month
$0
3.82%
▲ 0.59% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.59% above avgNationally 2.78%
Details
Minimum $75,000.00 Terms tier
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 23, 20263.82%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Share & IRA Certificate - 6 Months
$0
3.82%
▲ 0.59% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.59% above avgNationally 2.78%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 3 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Certificate
$1,000
3.80%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.57% above avgNationally 2.78%
Details
Balance: below $75,000.00
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Jumbo Certificate - 6 month
$75,000
3.80%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.57% above avgNationally 2.78%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
Certificate of Deposit - 6 Months
$1,000
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month CD
$0
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
6 Month (180 Day) CD
$1,000
3.75%
▲ 0.52% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.52% above avgNationally 2.78%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
6 Month Certificate
$0
3.71%
▲ 0.48% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.48% above avgNationally 2.78%
Details
Rates effective 07/15/2025
Rate History
No change since Sep 11, 2026 · 3.71% APY · checked 11 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 6 month
$1,000
3.70%
▲ 0.47% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.47% above avgNationally 2.78%
Details
APY accurate as of 7/29/2026
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 5 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$1,500
3.66%
▲ 0.43% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.23%▲ 0.43% above avgNationally 2.78%
Details
Balance: $100,000 - <$250,000
Rate History
3 changes since Sep 11, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
- Oct 14, 20263.66%▲ from 3.60%
- Oct 7, 20263.60%▼ from 3.66%
- Sep 24, 20263.66%▲ from 3.60%
- Sep 11, 20263.60%first recorded
Norman 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 12 Month
$0
4.30%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3500 24th Ave Nw, Norman, OK 73069
12 Month CD (also IRA)
$2,500
4.15%
▲ 0.81% above Oklahoma avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.81% above avgNationally 2.99%
Details
Also available as IRA. A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share (Certificate) / IRA
$0
4.11%
▲ 0.77% above Oklahoma avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76%
- Oct 2, 20264.11%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share Certificate
$0
4.11%
▲ 0.77% above Oklahoma avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 24, 2026 · 3.76% → 4.11% ▲ 0.35 pts · high 4.11% / low 3.76%
- Oct 20, 20264.11%▲ from 3.76%
- Sep 24, 20263.76%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share (Certificate) / IRA
$0
4.01%
▲ 0.67% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
- Oct 2, 20264.01%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share Certificate
$0
4.01%
▲ 0.67% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 24, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
- Oct 20, 20264.01%▲ from 3.65%
- Sep 24, 20263.65%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
1-Year Term CD
$1,000
4.00%
▲ 0.66% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 1-Year
$1,000
4.00%
▲ 0.66% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 0.56% above Oklahoma avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.56% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
- Oct 2, 20263.90%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share Certificate
$0
3.90%
▲ 0.56% above Oklahoma avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.56% above avgNationally 2.99%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 24, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
- Oct 20, 20263.90%▲ from 3.55%
- Sep 24, 20263.55%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
7-12 Month CD
$0
3.86%
▲ 0.52% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.52% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
7-12 Month SCA
$1,000
3.86%
▲ 0.52% above Oklahoma avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.52% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.36% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.36% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 2, 20263.70%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share Certificate
$0
3.70%
▲ 0.36% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.36% above avgNationally 2.99%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 24, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 20, 20263.70%▲ from 3.45%
- Sep 24, 20263.45%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Starting Line Share Certificate
$0
3.54%
▲ 0.20% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.20% above avgNationally 2.99%
Details
12-month maturity; 90-day early withdrawal penalty; will renew into standard 12-month certificate if balance is $1,000 or more; regular deposits are encouraged
Rate History
No change since Oct 14, 2026 · 3.54% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.20% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.20% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29%
- Oct 2, 20263.54%▲ from 3.29%
- Sep 18, 20263.29%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
12 Month Term Share Certificate IRA
$0
3.54%
▲ 0.20% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.20% above avgNationally 2.99%
Details
IRA Only; Balance tier: $500; Early Withdrawal Penalty: 120 Days
Rate History
1 change since Sep 18, 2026 · 3.29% → 3.54% ▲ 0.25 pts · high 3.54% / low 3.29%
- Oct 2, 20263.54%▲ from 3.29%
- Sep 18, 20263.29%first recorded
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
12 Month Certificate
$0
3.04%
▼ 0.30% below Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▼ 0.30% below avgNationally 2.99%
Details
Effective September 18, 2026
Rate History
No change since Oct 12, 2026 · 3.04% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 12 Month
$1,000
3.03%
▼ 0.31% below Oklahoma avg
▼
Rate2.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 0.31% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 12 Month
$250
3.03%
▼ 0.31% below Oklahoma avg
▼
Rate2.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 0.31% below avgNationally 2.99%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.75% → 3.03% ▲ 0.28 pts · high 3.03% / low 2.75%
- Oct 14, 20263.03%▲ from 2.75%
- Oct 7, 20262.75%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
1 Year IRA/Share Certificate
$0
2.95%
▼ 0.39% below Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▼ 0.39% below avgNationally 2.99%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 2.95% APY · checked 6 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 12 Month
$1,000
2.75%
▼ 0.59% below Oklahoma avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 0.59% below avgNationally 2.99%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 3.03% / low 2.75%
- Oct 20, 20262.75%▼ from 3.03%
- Sep 24, 20263.03%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
12 Month Certificate of Deposit
$500
2.70%
▼ 0.64% below Oklahoma avg
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.64% below avgNationally 2.99%
Details
Rate History
No change since Sep 9, 2026 · 2.70% APY · checked 10 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
12 Month IRA Certificate
$200
2.70%
▼ 0.64% below Oklahoma avg
▼
Rate2.66%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.64% below avgNationally 2.99%
Details
Minimum: $200 (add'l deposits) / $500 (single deposit)
Rate History
No change since Oct 22, 2026 · 2.70% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
12 Month Jumbo Certificate of Deposit
$100,000
2.70%
▼ 0.64% below Oklahoma avg
▼
Rate2.66%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.64% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 2.70% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
12-month CD
$500
2.70%
▼ 0.64% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.64% below avgNationally 2.99%
Details
$500 minimum opening deposit; FDIC insured up to maximum amount allowed
Rate History
No change since Sep 9, 2026 · 2.70% APY · checked 10 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
Business Certificate of Deposit - 12-month CD
$500
2.70%
▼ 0.64% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.64% below avgNationally 2.99%
Details
$500 minimum opening deposit with automatic renewal ($2,500 without automatic renewal); FDIC insured up to maximum amount allowed; Find a Location or contact us to open
Rate History
No change since Oct 14, 2026 · 2.70% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
12 Month Certificate of Deposit
$500
2.00%
▼ 1.34% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 1.34% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
1 Year Standard CD Products
$1,000
1.50%
▼ 1.84% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 1.84% below avgNationally 2.99%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 1 Year
$1,000
1.50%
▼ 1.84% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 1.84% below avgNationally 2.99%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
12 Month Certificate
$0
0.75%
▼ 2.59% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 2.59% below avgNationally 2.99%
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
12 Month Certificate
$0
0.65%
▼ 2.69% below Oklahoma avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 2.69% below avgNationally 2.99%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
1-Year RampUp Plus CD
$25,000
0.25%
▼ 3.09% below Oklahoma avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 3.09% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.45%
▲ 1.11% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 1.11% above avgNationally 2.99%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$1,000
4.42%
▲ 1.08% above Oklahoma avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 1.08% above avgNationally 2.99%
Details
Minimum of $1,000 to open; penalty may be imposed for early withdrawal; fees may reduce earnings
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.01% above Oklahoma avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 1.01% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33%
▲ 0.99% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.99% above avgNationally 2.99%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
WSB Traditional CDs - 12 Month
$1,000
4.26%
▲ 0.92% above Oklahoma avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.92% above avgNationally 2.99%
Details
Interest Compounded: Monthly; Interest Credited: Monthly; Early Withdrawal Penalties May Apply
Rate History
No change since Oct 20, 2026 · 4.26% APY · checked 2 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12-month CD
$0
4.25%
▲ 0.91% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.91% above avgNationally 2.99%
Details
Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.
Rate History
1 change since Oct 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 20, 20264.25%▲ from 3.75%
- Oct 14, 20263.75%first recorded
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
Certificate of Deposit - 12 Months
$1,000
4.25%
▲ 0.91% above Oklahoma avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.91% above avgNationally 2.99%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Month Certificate
$0
4.18%
▲ 0.84% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.84% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 4.18% APY · checked 3 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA 12 Month Certificate
$0
4.18%
▲ 0.84% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.84% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 4.18% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificates
$0
4.11%
▲ 0.77% above Oklahoma avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.77% above avgNationally 2.99%
Details
Balance: $100,000 and Over
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.11% ▲ 0.51 pts · high 4.11% / low 3.60%
- Oct 19, 20264.11%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 0.76% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.76% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
12 Month Share Certificates
$0
4.10%
▲ 0.76% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.76% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Jumbo Share Certificate - 12 Months
$0
4.08%
▲ 0.74% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.74% above avgNationally 2.99%
Details
Jumbo certificate; deposits must be $100,000 and above; penalty may be imposed for early withdrawal
Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 0.71% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
12 Month CD
$1,000
4.05%
▲ 0.71% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
Business CD - 12 Months
$1,000
4.05%
▲ 0.71% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.71% above avgNationally 2.99%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificates
$0
4.01%
▲ 0.67% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.67% above avgNationally 2.99%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.01% ▲ 0.51 pts · high 4.01% / low 3.50%
- Oct 19, 20264.01%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Norman 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
18 Month IRA/Share Certificate
$0
4.35%
▲ 1.22% above Oklahoma avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 1.22% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 8, 20264.35%▲ from 3.90%
- Sep 25, 20263.90%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.22% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 1.22% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
18 Month Certificate of Deposit - Compounding Monthly
$500
4.13%
▲ 1.00% above Oklahoma avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.00% above avgNationally 2.88%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 4.13% APY
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
18 Month Certificate
$0
3.29%
▲ 0.16% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.16% above avgNationally 2.88%
Details
Effective September 18, 2026
Rate History
No change since Oct 12, 2026 · 3.29% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
18-Month Term CD
$1,000
2.75%
▼ 0.38% below Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 0.38% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 18-Month
$1,000
2.75%
▼ 0.38% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 0.38% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
13 - 18 Month IRA Certificate
$200
2.55%
▼ 0.58% below Oklahoma avg
▼
Rate2.52%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.58% below avgNationally 2.88%
Details
Minimum: $200 (add'l deposits) / $500 (single deposit)
Rate History
No change since Oct 22, 2026 · 2.55% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
18-month CD
$500
2.30%
▼ 0.83% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.83% below avgNationally 2.88%
Details
$500 minimum opening deposit; FDIC insured up to maximum amount allowed
Rate History
No change since Sep 9, 2026 · 2.30% APY · checked 10 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
Business Certificate of Deposit - 18-month CD
$500
2.30%
▼ 0.83% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.83% below avgNationally 2.88%
Details
$500 minimum opening deposit with automatic renewal ($2,500 without automatic renewal); FDIC insured up to maximum amount allowed; Find a Location or contact us to open
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 3 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 18 Month Variable
$1,000
2.05%
▼ 1.08% below Oklahoma avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.08% below avgNationally 2.88%
Details
Variable rate
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 18 Month Variable
$250
2.05%
▼ 1.08% below Oklahoma avg
▼
Rate2.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.08% below avgNationally 2.88%
Details
Variable rate; may change after account opening; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 2.05% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
18 Month Save & Build Certificate
$0
2.02%
▼ 1.11% below Oklahoma avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.11% below avgNationally 2.88%
Details
Balance: $5,000 or less; Fixed dividend rate on balance of $5,000 or less; 120-day early withdrawal penalty; renews into standard 12-month certificate if balance is $1,000 or more, otherwise into Starting Line certificate; Regular deposits are encouraged; Must be enrolled in online and mobile banking with a valid email address; Only one save & build certificate per account; Must be 18 years or older, limited to one per Tax Identification Number, must have open share draft account with TFCU
Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 18 Month
$1,000
1.65%
▼ 1.48% below Oklahoma avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.48% below avgNationally 2.88%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 18 Month
$250
1.65%
▼ 1.48% below Oklahoma avg
▼
Rate1.64%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.48% below avgNationally 2.88%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
No change since Oct 7, 2026 · 1.65% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
18 Month Standard CD Products
$1,000
1.50%
▼ 1.63% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.63% below avgNationally 2.88%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 18 Months
$1,000
1.50%
▼ 1.63% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 1.63% below avgNationally 2.88%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
18 Month Certificate
$0
0.85%
▼ 2.28% below Oklahoma avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 2.28% below avgNationally 2.88%
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
18 Month Certificate
$0
0.75%
▼ 2.38% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 2.38% below avgNationally 2.88%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
18 Month Save & Build Certificate
$0
0.65%
▼ 2.48% below Oklahoma avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 2.48% below avgNationally 2.88%
Details
Balance: more than $5,000; Variable dividend rate; 120-day early withdrawal penalty; renews into standard 12-month certificate if balance is $1,000 or more, or into Starting Line certificate if less than $1,000; Regular deposits are encouraged; Must be enrolled in online and mobile banking with a valid email address; Only one save & build certificate per account; Must be 18 years or older; limited to one per Tax Identification Number; must have open share draft account with TFCU
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
18 Month Certificate of Deposit
$500
0.02%
▼ 3.11% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 3.11% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★Texas Ratio: 22.58%
IRA 18 Month Variable
$0
4.67%
▲ 1.54% above Oklahoma avg
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.54% above avgNationally 2.88%
Details
Balance: $0.00 and Up; Variable rate; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 4.67% APY
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.50%
▲ 1.37% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 1.37% above avgNationally 2.88%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18-month CD
$0
4.50%
▲ 1.37% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 1.37% above avgNationally 2.88%
Details
Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.
Rate History
1 change since Oct 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
- Oct 20, 20264.50%▲ from 3.85%
- Oct 14, 20263.85%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33%
▲ 1.20% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 1.20% above avgNationally 2.88%
Details
Dividends Credited/Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
IRA variable 18-month
$0
4.21%
▲ 1.08% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 1.08% above avgNationally 2.88%
Details
Rate may change after account is opened; Substantial penalty for early withdrawal of IRA. Fees may reduce earnings.
Rate History
1 change since Sep 7, 2026 · 3.86% → 4.21% ▲ 0.35 pts · high 4.21% / low 3.86%
- Oct 7, 20264.21%▲ from 3.86%
- Sep 7, 20263.86%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.02% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 1.02% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 0.97% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.97% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month CD
$0
4.06%
▲ 0.93% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.93% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month CD
$1,000
4.05%
▲ 0.92% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.92% above avgNationally 2.88%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month IRA
$500
4.05%
▲ 0.92% above Oklahoma avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.92% above avgNationally 2.88%
Details
Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
18-month CD
$0
4.00%
▲ 0.87% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details
CD Rate Special! Get 4.00% APY for 18 months when you open a new 18-month CD with Great Plains Bank
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 18 month
$1,000
4.00%
▲ 0.87% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details
APY accurate as of 7/29/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 5 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.87% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.87% above avgNationally 2.88%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month IRA
$0
3.97%
▲ 0.84% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.84% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 29, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month CD
$0
3.96%
▲ 0.83% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.83% above avgNationally 2.88%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
18 Month CD
$1,000
3.96%
▲ 0.83% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificate
$200,000
3.90%
▲ 0.77% above Oklahoma avg
▼
Rate3.84%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.77% above avgNationally 2.88%
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
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Certificate
$0
3.87%
▲ 0.74% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.74% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
- Sep 29, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85%
▲ 0.72% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.72% above avgNationally 2.88%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month CD
$0
3.85%
▲ 0.72% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.72% above avgNationally 2.88%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Jumbo Share Certificate - 18 Months
$0
3.82%
▲ 0.69% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.69% above avgNationally 2.88%
Details
Jumbo certificate; deposits must be $100,000 and above; penalty may be imposed for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month Jumbo CD
$100,000
3.80%
▲ 0.67% above Oklahoma avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Certificates of Deposit - 18 Months
$2,000
3.80%
▲ 0.67% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details
APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Certificate
$1,000
3.80%
▲ 0.67% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Balance: below $75,000.00
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Jumbo Certificate - 18 month
$75,000
3.80%
▲ 0.67% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.67% above avgNationally 2.88%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Share Certificate - 18 Months
$0
3.75%
▲ 0.62% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.62% above avgNationally 2.88%
Details
Dividend Rate: 3.687%
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.57% above Oklahoma avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▲ 0.57% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificate
$50,000
3.70%
▲ 0.57% above Oklahoma avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.57% above avgNationally 2.88%
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%
Certificate of Deposit - 18 Months
$1,000
3.65%
▲ 0.52% above Oklahoma avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▲ 0.52% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 4 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate
$500
3.61%
▲ 0.48% above Oklahoma avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.13%▲ 0.48% above avgNationally 2.88%
Details
Rate History
1 change since Oct 8, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
- Oct 15, 20263.61%▲ from 3.40%
- Oct 8, 20263.40%first recorded
Norman 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.30% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.30% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.16% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 2, 20264.26%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share Certificate
$0
4.26%
▲ 1.16% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 20, 20264.26%▲ from 3.90%
- Sep 24, 20263.90%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
24 Month Certificate of Deposit - Compounding Monthly
$500
4.18%
▲ 1.08% above Oklahoma avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.08% above avgNationally 2.90%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 4.18% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.05% above Oklahoma avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 2, 20264.15%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share Certificate
$0
4.15%
▲ 1.05% above Oklahoma avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 20, 20264.15%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share (Certificate) / IRA
$0
4.05%
▲ 0.95% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 2, 20264.05%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share Certificate
$0
4.05%
▲ 0.95% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 20, 20264.05%▲ from 3.70%
- Sep 24, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share (Certificate) / IRA
$0
3.84%
▲ 0.74% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.74% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
- Oct 2, 20263.84%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share Certificate
$0
3.84%
▲ 0.74% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.74% above avgNationally 2.90%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.59% → 3.84% ▲ 0.25 pts · high 3.84% / low 3.59%
- Oct 20, 20263.84%▲ from 3.59%
- Sep 24, 20263.59%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.59% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.59% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.34% → 3.69% ▲ 0.35 pts · high 3.69% / low 3.34%
- Oct 2, 20263.69%▲ from 3.34%
- Sep 18, 20263.34%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
24 Month Term Share Certificate
$0
3.69%
▲ 0.59% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.59% above avgNationally 2.90%
Details
Balance tier: $1,000; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 24, 2026 · 3.44% → 3.69% ▲ 0.25 pts · high 3.69% / low 3.44%
- Oct 20, 20263.69%▲ from 3.44%
- Sep 24, 20263.44%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.50% above Oklahoma avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.50% above avgNationally 2.90%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 6 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3500 24th Ave Nw, Norman, OK 73069
24 Month CD (also IRA)
$2,500
3.25%
▲ 0.15% above Oklahoma avg
▼
Rate3.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Also available as IRA. A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 24 Month
$1,000
2.80%
▼ 0.30% below Oklahoma avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 0.30% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.80% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 24 Month
$250
2.80%
▼ 0.30% below Oklahoma avg
▼
Rate2.76%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 0.30% below avgNationally 2.90%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
- Oct 14, 20262.80%▲ from 2.70%
- Oct 7, 20262.70%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 24 Month
$1,000
2.70%
▼ 0.40% below Oklahoma avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 0.40% below avgNationally 2.90%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.70% → 2.70% ▼ 0.00 pts · high 2.80% / low 2.70%
- Oct 20, 20262.70%▼ from 2.80%
- Sep 24, 20262.80%▲ from 2.70%
- Sep 18, 20262.70%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
2 Year Standard CD Products
$1,000
1.50%
▼ 1.60% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 1.60% below avgNationally 2.90%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 2 Years
$1,000
1.50%
▼ 1.60% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 1.60% below avgNationally 2.90%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
24 Month Certificate
$0
0.95%
▼ 2.15% below Oklahoma avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 2.15% below avgNationally 2.90%
Details
Balance: $75,000.00+
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
24 Month Certificate
$0
0.85%
▼ 2.25% below Oklahoma avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 2.25% below avgNationally 2.90%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
2-Year Jumbo CD
$100,000
0.40%
▼ 2.70% below Oklahoma avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▼ 2.70% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
2-Year Term CD
$1,000
0.40%
▼ 2.70% below Oklahoma avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▼ 2.70% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 2-Year
$1,000
0.40%
▼ 2.70% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▼ 2.70% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.85% below Oklahoma avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▼ 2.85% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
2 Year Certificate of Deposit
$500
0.05%
▼ 3.05% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 3.05% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.50%
▲ 1.40% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.40% above avgNationally 2.90%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 14, 20264.50%▲ from 4.40%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
4.33%
▲ 1.23% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 1.23% above avgNationally 2.90%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 23, 20264.33%▲ from 3.82%
- Oct 15, 20263.82%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates
$0
4.26%
▲ 1.16% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.16% above avgNationally 2.90%
Details
Balance: $100,000 and Over
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.26% ▲ 0.50 pts · high 4.26% / low 3.76%
- Oct 19, 20264.26%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Certificate Special
$1,000
4.20%
▲ 1.10% above Oklahoma avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 1.10% above avgNationally 2.90%
Details
CD Specials; Consumer/Commercial; Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 3 times
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
Certificates of Deposit - 24 Months
$1,000
4.20%
▲ 1.10% above Oklahoma avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.10% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10%
- Oct 22, 20264.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month CD
$1,000
4.15%
▲ 1.05% above Oklahoma avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month IRA
$500
4.15%
▲ 1.05% above Oklahoma avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details
Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates
$0
4.15%
▲ 1.05% above Oklahoma avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 1.05% above avgNationally 2.90%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
- Oct 19, 20264.15%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month CD
$0
4.06%
▲ 0.96% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.96% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
24 Month CD
$1,000
4.05%
▲ 0.95% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
Business CD - 24 Months
$1,000
4.05%
▲ 0.95% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 18-60 Month CD - 6 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 24 month
$1,000
4.05%
▲ 0.95% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▲ 0.95% above avgNationally 2.90%
Details
APY accurate as of 7/29/2026
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 5 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month IRA
$0
4.02%
▲ 0.92% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.92% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24-month CD
$0
4.00%
▲ 0.90% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
Details
Annual Percentage Yield (APY) is accurate as of October 19, 2026. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply.
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
24 Month Share Certificates
$0
4.00%
▲ 0.90% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificate
$200,000
4.00%
▲ 0.90% above Oklahoma avg
▼
Rate3.94%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.90% above avgNationally 2.90%
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%
24 Month Certificate
$0
3.97%
▲ 0.87% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.87% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.97% APY · checked 3 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA 24 Month Certificate
$0
3.97%
▲ 0.87% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.87% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.97% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month CD
$0
3.96%
▲ 0.86% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.86% above avgNationally 2.90%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
24 Month CD
$1,000
3.96%
▲ 0.86% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.86% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month Jumbo CD
$100,000
3.95%
▲ 0.85% above Oklahoma avg
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▲ 0.85% above avgNationally 2.90%
Details
Consumer/Commercial Certificates of Deposit; Available for IRAs; Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month Certificate (2 Year)
$0
3.92%
▲ 0.82% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.82% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2 Year Share Certificates (CD) JUMBO
$100,000
3.90%
▲ 0.80% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.80% above avgNationally 2.90%
Details
Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 5, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89%
▲ 0.79% above Oklahoma avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.79% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.89% APY · checked 2 times
Norman 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%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.29% above Oklahoma avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 2, 20264.31%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share Certificate
$0
4.31%
▲ 1.29% above Oklahoma avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.31% ▲ 0.41 pts · high 4.31% / low 3.90%
- Oct 20, 20264.31%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share (Certificate) / IRA
$0
4.20%
▲ 1.18% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 2, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share Certificate
$0
4.20%
▲ 1.18% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 20, 20264.20%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share (Certificate) / IRA
$0
4.10%
▲ 1.08% above Oklahoma avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 2, 20264.10%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share Certificate
$0
4.10%
▲ 1.08% above Oklahoma avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 20, 20264.10%▲ from 3.70%
- Sep 24, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 0.87% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.87% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.89% ▲ 0.40 pts · high 3.89% / low 3.49%
- Oct 2, 20263.89%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share Certificate
$0
3.89%
▲ 0.87% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.87% above avgNationally 2.81%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.59% → 3.89% ▲ 0.30 pts · high 3.89% / low 3.59%
- Oct 20, 20263.89%▲ from 3.59%
- Sep 24, 20263.59%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share (Certificate) / IRA
$0
3.74%
▲ 0.72% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.72% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.34% → 3.74% ▲ 0.40 pts · high 3.74% / low 3.34%
- Oct 2, 20263.74%▲ from 3.34%
- Sep 18, 20263.34%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
36 Month Term Share Certificate
$0
3.74%
▲ 0.72% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.72% above avgNationally 2.81%
Details
Balance tier: $1,000; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 24, 2026 · 3.44% → 3.74% ▲ 0.30 pts · high 3.74% / low 3.44%
- Oct 20, 20263.74%▲ from 3.44%
- Sep 24, 20263.44%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
36 Month Certificate of Deposit - Compounding Monthly
$500
3.56%
▲ 0.54% above Oklahoma avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.54% above avgNationally 2.81%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 3.56% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 36 Month
$0
3.50%
▲ 0.48% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.50% APY
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
3 Year IRA/Share Certificate
$0
3.25%
▲ 0.23% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 36 Month
$1,000
3.15%
▲ 0.13% above Oklahoma avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.13% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 36 Month
$250
3.15%
▲ 0.13% above Oklahoma avg
▼
Rate3.11%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.13% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.80% → 3.15% ▲ 0.35 pts · high 3.15% / low 2.80%
- Oct 14, 20263.15%▲ from 2.80%
- Oct 7, 20262.80%first recorded
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3500 24th Ave Nw, Norman, OK 73069
36 Month CD
$2,500
3.00%
▼ 0.02% below Oklahoma avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 0.02% below avgNationally 2.81%
Details
A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 36 Month
$1,000
2.80%
▼ 0.22% below Oklahoma avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▼ 0.22% below avgNationally 2.81%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.80% → 2.80% ▼ 0.00 pts · high 3.15% / low 2.80%
- Oct 20, 20262.80%▼ from 3.15%
- Sep 24, 20263.15%▲ from 2.80%
- Sep 18, 20262.80%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
3 Year Standard CD Products
$1,000
1.50%
▼ 1.52% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▼ 1.52% below avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 3 Years
$1,000
1.50%
▼ 1.52% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▼ 1.52% below avgNationally 2.81%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
36 Month Certificate
$0
1.15%
▼ 1.87% below Oklahoma avg
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 1.87% below avgNationally 2.81%
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
36 Month Certificate
$0
1.10%
▼ 1.92% below Oklahoma avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 1.92% below avgNationally 2.81%
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
36 Month Certificate
$0
1.05%
▼ 1.97% below Oklahoma avg
▼
Rate1.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 1.97% below avgNationally 2.81%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
3-Year Jumbo CD
$100,000
0.40%
▼ 2.62% below Oklahoma avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▼ 2.62% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
3-Year Term CD
$1,000
0.40%
▼ 2.62% below Oklahoma avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▼ 2.62% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 3-Year
$1,000
0.40%
▼ 2.62% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▼ 2.62% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
3-Year RampUp CD
$25,000
0.25%
▼ 2.77% below Oklahoma avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▼ 2.77% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
3 Year Certificate of Deposit
$500
0.05%
▼ 2.97% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 2.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates
$0
4.31%
▲ 1.29% above Oklahoma avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.29% above avgNationally 2.81%
Details
Balance: $100,000 and Over
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.31% ▲ 0.51 pts · high 4.31% / low 3.80%
- Oct 19, 20264.31%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 36 month
$1,000
4.25%
▲ 1.23% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.02%▲ 1.23% above avgNationally 2.81%
Details
APY accurate as of 7/29/2026
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 5 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month IRA
$500
4.25%
▲ 1.23% above Oklahoma avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.23% above avgNationally 2.81%
Details
Individual Retirement Account; Interest Paid: Quarterly; Rates Effective as of 8/20/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.22% above Oklahoma avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates
$0
4.20%
▲ 1.18% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.18% above avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 19, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.13% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.13% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month CD
$1,000
4.15%
▲ 1.13% above Oklahoma avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.13% above avgNationally 2.81%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14%
▲ 1.12% above Oklahoma avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.08% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificate
$200,000
4.10%
▲ 1.08% above Oklahoma avg
▼
Rate4.04%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.08% above avgNationally 2.81%
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%
▲ 1.04% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 1.04% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Certificates
$0
4.03%
▲ 1.01% above Oklahoma avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 1.01% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.03% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month IRA
$0
4.02%
▲ 1.00% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 1.00% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
36 Months Fixed IRA
$500
4.00%
▲ 0.98% above Oklahoma avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.98% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$0
3.96%
▲ 0.94% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.94% above avgNationally 2.81%
Details
Balance: $25,000 - $99,999
Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 7 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Certificate (3 Year)
$0
3.92%
▲ 0.90% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.90% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Month CD 36
$1,000
3.91%
▲ 0.89% above Oklahoma avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.89% above avgNationally 2.81%
Details
Rate History
1 change since Oct 9, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
- Oct 19, 20263.91%▲ from 3.55%
- Oct 9, 20263.55%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Year Share Certificates (CD) JUMBO
$100,000
3.90%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details
Early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 5, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Diamond Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.70%
36 Month Share Certificates
$0
3.90%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificate
$50,000
3.90%
▲ 0.88% above Oklahoma avg
▼
Rate3.84%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
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%
▲ 0.88% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
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%
▲ 0.88% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.88% above avgNationally 2.81%
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%
▲ 0.83% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.83% above avgNationally 2.81%
Details
Balance: $1,000 - $24,999
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 7 times
Norman 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%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.38% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 2, 20264.36%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share Certificate
$0
4.36%
▲ 1.38% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.96% → 4.36% ▲ 0.40 pts · high 4.36% / low 3.96%
- Oct 20, 20264.36%▲ from 3.96%
- Sep 24, 20263.96%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.28% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 2, 20264.26%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share Certificate
$0
4.26%
▲ 1.28% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.26% ▲ 0.41 pts · high 4.26% / low 3.85%
- Oct 20, 20264.26%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.17% above Oklahoma avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 2, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share Certificate
$0
4.15%
▲ 1.17% above Oklahoma avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 20, 20264.15%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share (Certificate) / IRA
$0
3.94%
▲ 0.96% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.96% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54%
- Oct 2, 20263.94%▲ from 3.54%
- Sep 18, 20263.54%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share Certificate
$0
3.94%
▲ 0.96% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.96% above avgNationally 2.81%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.64% → 3.94% ▲ 0.30 pts · high 3.94% / low 3.64%
- Oct 20, 20263.94%▲ from 3.64%
- Sep 24, 20263.64%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.81% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.81% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.79% ▲ 0.40 pts · high 3.79% / low 3.39%
- Oct 2, 20263.79%▲ from 3.39%
- Sep 18, 20263.39%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
48 Month Term Share Certificate
$0
3.79%
▲ 0.81% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.81% above avgNationally 2.81%
Details
Balance tier: $1,000; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 24, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
- Oct 20, 20263.79%▲ from 3.49%
- Sep 24, 20263.49%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
48 Month Certificate of Deposit - Compounding Monthly
$500
3.56%
▲ 0.58% above Oklahoma avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.58% above avgNationally 2.81%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 3.56% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 48 Month
$1,000
3.20%
▲ 0.22% above Oklahoma avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 48 Month
$250
3.20%
▲ 0.22% above Oklahoma avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.22% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.75% → 3.20% ▲ 0.45 pts · high 3.20% / low 2.75%
- Oct 14, 20263.20%▲ from 2.75%
- Oct 7, 20262.75%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
4 Year IRA/Share Certificate
$0
3.10%
▲ 0.12% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.12% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 6 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 48 Month
$1,000
2.75%
▼ 0.23% below Oklahoma avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▼ 0.23% below avgNationally 2.81%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 3.20% / low 2.75%
- Oct 20, 20262.75%▼ from 3.20%
- Sep 24, 20263.20%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 48 Month
$0
2.75%
▼ 0.23% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
4 Year Standard CD Products
$1,000
1.50%
▼ 1.48% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▼ 1.48% below avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 4 Years
$1,000
1.50%
▼ 1.48% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▼ 1.48% below avgNationally 2.81%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
48 Month Certificate
$0
1.20%
▼ 1.78% below Oklahoma avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 1.78% below avgNationally 2.81%
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
48 Month Certificate
$0
1.15%
▼ 1.83% below Oklahoma avg
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 1.83% below avgNationally 2.81%
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
48 Month Certificate
$0
1.10%
▼ 1.88% below Oklahoma avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 1.88% below avgNationally 2.81%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
4-Year Jumbo CD
$100,000
0.50%
▼ 2.48% below Oklahoma avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▼ 2.48% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
4-Year Term CD
$1,000
0.50%
▼ 2.48% below Oklahoma avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▼ 2.48% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 4-Year
$1,000
0.50%
▼ 2.48% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▼ 2.48% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
4-Year RampUp CD
$50,000
0.25%
▼ 2.73% below Oklahoma avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▼ 2.73% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
4 Year Certificate of Deposit
$500
0.15%
▼ 2.83% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 2.83% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.49% above Oklahoma avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates
$0
4.36%
▲ 1.38% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details
Balance: $100,000 and Over
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.36% ▲ 0.51 pts · high 4.36% / low 3.85%
- Oct 19, 20264.36%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.38% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates
$0
4.26%
▲ 1.28% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.26% ▲ 0.51 pts · high 4.26% / low 3.75%
- Oct 19, 20264.26%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.28% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
48 Month CD
$1,000
4.15%
▲ 1.17% above Oklahoma avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificate
$200,000
4.15%
▲ 1.17% above Oklahoma avg
▼
Rate4.09%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 1.17% above avgNationally 2.81%
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
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month CD
$0
4.06%
▲ 1.08% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 1.08% above avgNationally 2.81%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month IRA
$0
4.02%
▲ 1.04% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 1.04% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Sep 29, 20264.02%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month CD
$0
3.96%
▲ 0.98% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.98% above avgNationally 2.81%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificate
$50,000
3.95%
▲ 0.97% above Oklahoma avg
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
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%
▲ 0.97% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
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%
▲ 0.97% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.97% above avgNationally 2.81%
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
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month Certificate (4 Year)
$0
3.92%
▲ 0.94% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.94% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
- Sep 29, 20263.92%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.90%
▲ 0.92% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.92% above avgNationally 2.81%
Details
JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening
Rate History
No change since Oct 20, 2026 · 3.90% APY
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Account - 48 Month
$1,000
3.90%
▲ 0.92% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.92% above avgNationally 2.81%
Details
APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
- Oct 19, 20263.90%▲ from 3.25%
- Sep 18, 20263.25%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 0.87% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.87% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 48 Months
$0
3.85%
▲ 0.87% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.87% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 48 Months
$500
3.82%
▲ 0.84% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.84% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Certificates of Deposit - 48 Months
$2,000
3.80%
▲ 0.82% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▲ 0.82% above avgNationally 2.81%
Details
APY assumes interest compounded quarterly; withdrawal of interest reduces earnings; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
Share Certificate - 48 Month Jumbo
$0
3.80%
▲ 0.82% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.82% above avgNationally 2.81%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.80% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate - DDEP Bonus
$1,000
3.75%
▲ 0.77% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.77% above avgNationally 2.81%
Details
DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms
Rate History
No change since Oct 20, 2026 · 3.75% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificate
$1,000
3.75%
▲ 0.77% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.77% above avgNationally 2.81%
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
$1,000
3.70%
▲ 0.72% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
Norman 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%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.40% above Oklahoma avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.40% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.89% → 4.40% ▲ 0.51 pts · high 4.40% / low 3.89%
- Oct 2, 20264.40%▲ from 3.89%
- Sep 18, 20263.89%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share Certificate
$0
4.40%
▲ 1.40% above Oklahoma avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.40% above avgNationally 2.92%
Details
Balance tier: $99,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 20, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share (Certificate) / IRA
$0
4.30%
▲ 1.30% above Oklahoma avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.30% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 2, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share Certificate
$0
4.30%
▲ 1.30% above Oklahoma avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.30% above avgNationally 2.92%
Details
Balance tier: $50,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 20, 20264.30%▲ from 3.90%
- Sep 24, 20263.90%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share (Certificate) / IRA
$0
4.19%
▲ 1.19% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.19% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
- Oct 2, 20264.19%▲ from 3.79%
- Sep 18, 20263.79%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share Certificate
$0
4.19%
▲ 1.19% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.19% above avgNationally 2.92%
Details
Balance tier: $25,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.19% ▲ 0.40 pts · high 4.19% / low 3.79%
- Oct 20, 20264.19%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share (Certificate) / IRA
$0
3.99%
▲ 0.99% above Oklahoma avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.99% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.63% → 3.99% ▲ 0.36 pts · high 3.99% / low 3.63%
- Oct 2, 20263.99%▲ from 3.63%
- Sep 18, 20263.63%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share Certificate
$0
3.99%
▲ 0.99% above Oklahoma avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.99% above avgNationally 2.92%
Details
Balance tier: $10,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 3.69% → 3.99% ▲ 0.30 pts · high 3.99% / low 3.69%
- Oct 20, 20263.99%▲ from 3.69%
- Sep 24, 20263.69%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share (Certificate) / IRA
$0
3.83%
▲ 0.83% above Oklahoma avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.83% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.43% → 3.83% ▲ 0.40 pts · high 3.83% / low 3.43%
- Oct 2, 20263.83%▲ from 3.43%
- Sep 18, 20263.43%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1451 12th Ave SE, Norman, OK 73071
60 Month Term Share Certificate
$0
3.83%
▲ 0.83% above Oklahoma avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.83% above avgNationally 2.92%
Details
Balance tier: $1,000; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 24, 2026 · 3.53% → 3.83% ▲ 0.30 pts · high 3.83% / low 3.53%
- Oct 20, 20263.83%▲ from 3.53%
- Sep 24, 20263.53%first recorded
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
5 year CD
$0
3.65%
▲ 0.65% above Oklahoma avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.65% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
1212 W Lindsey St, Norman, OK 73069 4308
5 year SCA
$500
3.65%
▲ 0.65% above Oklahoma avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.65% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
- Oct 9, 20263.65%▲ from 3.05%
- Sep 21, 20263.05%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
60 Month Certificate of Deposit - Compounding Monthly
$500
3.56%
▲ 0.56% above Oklahoma avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.56% above avgNationally 2.92%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 3.56% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
333 N Interstate Dr, Norman, OK 73069
60 Month Certificate of Deposit
$500
3.50%
▲ 0.50% above Oklahoma avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.50% above avgNationally 2.92%
Details
Fixed Rate: Non-Compounding
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 22, 20263.50%▲ from 3.00%
- Sep 24, 20263.00%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CD 60 Month
$1,000
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
IRA Roth and Education 60 Month
$250
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 14, 20263.25%▲ from 2.95%
- Oct 7, 20262.95%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
300 12th Ave SE, Norman, OK 73071 4924
5 Year IRA/Share Certificate
$0
3.10%
▲ 0.10% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.10% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 6 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
3500 24th Ave Nw, Norman, OK 73069
60 Month CD
$2,500
3.00%
At Oklahoma avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%At the averageNationally 2.92%
Details
A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3151 W Tecumseh Rd, Norman, OK 73072
CDs Minimum - 60 Month
$1,000
2.95%
▼ 0.05% below Oklahoma avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▼ 0.05% below avgNationally 2.92%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.95% → 2.95% ▼ 0.00 pts · high 3.25% / low 2.95%
- Oct 20, 20262.95%▼ from 3.25%
- Sep 24, 20263.25%▲ from 2.95%
- Sep 18, 20262.95%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
315 W Boyd St, Norman, OK 73069
Certificate of Deposit - 60 Month
$0
2.75%
▼ 0.25% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▼ 0.25% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
60 Month Certificate of Deposit
$500
1.55%
▼ 1.45% below Oklahoma avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.45% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
60 Month IRA Certificate
$500
1.55%
▼ 1.45% below Oklahoma avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.45% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
501 36th Ave Nw, Norman, OK 73072
60 Month Jumbo Certificate of Deposit
$100,000
1.55%
▼ 1.45% below Oklahoma avg
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.45% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
5 Year Standard CD Products
$1,000
1.50%
▼ 1.50% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▼ 1.50% below avgNationally 2.92%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3550 W Main St, Norman, OK 73072
IRA CD - 5 Years
$1,000
1.50%
▼ 1.50% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▼ 1.50% below avgNationally 2.92%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
60 Month Certificate
$0
1.25%
▼ 1.75% below Oklahoma avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.75% below avgNationally 2.92%
Details
Balance: $225,000.00+
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
60 Month Certificate
$0
1.20%
▼ 1.80% below Oklahoma avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.80% below avgNationally 2.92%
Details
Balance: $75,000.00 - $224,999.99
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1251 ALAMEDA ST, NORMAN, OK 73071
60 Month Certificate
$0
1.15%
▼ 1.85% below Oklahoma avg
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 1.85% below avgNationally 2.92%
Details
Balance: $0.00 - $74,999.99
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
5-Year Jumbo CD
$100,000
0.50%
▼ 2.50% below Oklahoma avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▼ 2.50% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
5-Year Term CD
$1,000
0.50%
▼ 2.50% below Oklahoma avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▼ 2.50% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3800 Journey Pkwy, Norman, OK 73072
Term CD - 5-Year
$1,000
0.50%
▼ 2.50% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▼ 2.50% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2000 W Lindsey St, Norman, OK 73069
60 Month Certificate
$0
0.30%
▼ 2.70% below Oklahoma avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▼ 2.70% below avgNationally 2.92%
Details
Effective September 18, 2026
Rate History
No change since Oct 12, 2026 · 0.30% APY · checked 4 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.87% above Oklahoma avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.87% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.76% above Oklahoma avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.76% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.66% above Oklahoma avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.66% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate - DDEP Bonus
$100,000
4.15%
▲ 1.15% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.15% above avgNationally 2.92%
Details
JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening
Rate History
No change since Oct 20, 2026 · 4.15% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month CD
$0
4.06%
▲ 1.06% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 1.06% above avgNationally 2.92%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Roth IRA Certificates
$1,000
4.05%
▲ 1.05% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.92%
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%
▲ 1.05% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.92%
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
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month IRA
$0
4.02%
▲ 1.02% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.02% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Sep 29, 20264.02%▲ from 3.76%
- Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.01% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.01% above avgNationally 2.92%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 9 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
IRA Plus Certificate - 60 Months
$0
4.01%
▲ 1.01% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 1.01% above avgNationally 2.92%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available; Compound Dividend Rate shown as rate
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 9 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate - DDEP Bonus
$1,000
4.00%
▲ 1.00% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 1.00% above avgNationally 2.92%
Details
DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms
Rate History
No change since Oct 20, 2026 · 4.00% APY
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Account - 60 Month
$1,000
4.00%
▲ 1.00% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 1.00% above avgNationally 2.92%
Details
APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months
Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 19, 20264.00%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month CD
$0
3.96%
▲ 0.96% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.96% above avgNationally 2.92%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month Certificate (5 Year)
$0
3.92%
▲ 0.92% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.92% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Sep 29, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 0.90% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.90% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate
$100,000
3.90%
▲ 0.90% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.90% above avgNationally 2.92%
Details
JUMBO certificate
Rate History
No change since Oct 20, 2026 · 3.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 0.85% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.85% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 60 Months
$500
3.82%
▲ 0.82% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.82% above avgNationally 2.92%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Norman, OK CD Rate Trends
Compare local Norman, 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
3.336%
▼ 0.007 vs 7 days ago
Oklahoma 12-month CD rates fell 0.007 points over the past 7 days to 3.336% APY.
6-Month CD OK Avg
3.231%
▼ 0.034 vs 7 days ago
Oklahoma 6-month CD rates fell 0.034 points over the past 7 days to 3.231% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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OK CD Rate Forecast, Next 12 Months
Where are Oklahoma CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OK 12-Month Avg APY
3.336%
6-Month Forecast
3.336%
Range: 3.14%, 3.49%
12-Month Forecast
3.586%
Range: 3.39%, 3.74%
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What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.361% | $118.03 | $236.05 | $590.13 | $1,180.25 |
| 6-Month CD | 3.231% | $161.56 | $323.11 | $807.78 | $1,615.55 |
| 12-Month CD | 3.336% | $166.81 | $333.61 | $834.03 | $1,668.05 |
| 18-Month CD | 3.131% | $156.53 | $313.05 | $782.63 | $1,565.25 |
| 24-Month CD | 3.096% | $154.81 | $309.62 | $774.05 | $1,548.10 |
| 36-Month CD | 3.015% | $150.77 | $301.53 | $753.82 | $1,507.65 |
| 48-Month CD | 2.982% | $149.10 | $298.19 | $745.47 | $1,490.95 |
| 60-Month CD | 2.999% | $149.97 | $299.94 | $749.85 | $1,499.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Norman, 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 | 2.361% | $118.03 |
| 2 | 6-Month CD | $5,000 | 3.231% | $161.56 |
| 3 | 12-Month CD | $5,000 | 3.336% | $166.81 |
| 4 | 24-Month CD | $5,000 | 3.096% | $154.81 |
| 5 | 36-Month CD | $5,000 | 3.015% | $150.77 |
| Total ($25,000 invested) | $25,000 | 3.008% blended | $751.98/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.
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859
CD Rates
Tracked in Norman, Oklahoma
Tracked in Norman, Oklahoma
51 Banks
43 Credit Unions
About Our Norman, Oklahoma CD Rate Database
MonitorBankRates tracks 859 CD rates from 51 banks and 43 credit unions with locations in Norman, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Tinker Federal Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Norman, Oklahoma.
How to Find the Best CD Rates in Norman, Oklahoma
What to compare when shopping for a CD in Norman, Oklahoma
To find the best APYs in Norman, Oklahoma, start with credit unions and online-only banks: Norman, Oklahoma has 43 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 Norman, 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 Norman, Oklahoma: 94 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Norman, 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 Norman, Oklahoma money market rates
Norman, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.7%
National avg: 17.3%
Median Individual Earnings
$33,787
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At OK 12-mo avg 3.336% APY
14.7% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 3.336%, saving 10% of the local median salary ($3,378/year) and putting it in a CD would earn an additional $113 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 Norman, 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 to 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 Norman, 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 Norman, 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 Norman, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Norman, 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 Norman, Oklahoma savers easier access to their funds. For example, First Liberty Bank is offering its 6 Month CD at 4.05% 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) / IRA at 4.40% 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 Norman, 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 Norman, 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 Norman, 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 Norman, 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 Norman, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Norman, 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 Norman, Oklahoma
Are CD rates in Norman, Oklahoma FDIC insured?
Yes, most established banks in Norman, 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 Norman, 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 Norman, 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 Norman, 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 Norman, Oklahoma?
Here are recent top rates found for this area:
- Tinker Federal Credit Union: 4.40% APY (60 Month Term Share (Certificate) / IRA)
- Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
- Communication Federal Credit Union: 4.35% APY (18 Month IRA/Share Certificate)
- City National B&T Co. of Lawton, OK: 4.18% APY (24 Month Certificate of Deposit - Compounding Monthly)
- First Liberty Bank: 4.15% APY (12 Month CD (also IRA))
- CIT Bank: 4.00% APY (1-Year Term CD)
- True Sky Federal Credit Union: 3.86% APY (7-12 Month CD)
- OU Federal Credit Union: 3.29% APY (18 Month Certificate)
- RCB Bank: 3.25% APY (CD 60 Month)
- Intrust Bank: 2.70% APY (12 Month Certificate of Deposit)
Rates reflect recent verified offers available in Norman, Oklahoma. Last Updated: October 23, 2026
Norman, 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 Norman, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Norman, Oklahoma
Norman, Oklahoma CD Calculator
At today’s OK top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Norman, Oklahoma CD LadderOK CD rates currently range from 2.361% (3-month) to 3.015% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Norman, Oklahoma CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 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 3.336% 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 Norman, 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 Norman, 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 Norman, 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: October 23, 2026
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