Oklahoma City, 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.
Oklahoma City, Oklahoma CD rates range from 0.02% to 4.87% APY, verified by MonitorBankRates as of October 23, 2026. Current Oklahoma City, Oklahoma CD rates include Advancial Federal Credit UnionAdvancial Federal Credit Union815 NW 58th St, Oklahoma City, OK 73118 5912A5.0 ★Texas Ratio: 12.30%Real return: +1.17%APY minus CPIRate verified Oct 19, 2026 offering 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% APY, Legacy Bank Hinton, OKLegacy Bank Hinton, OK13425 N Macarthur Blvd, Oklahoma City, OK 73142B-4.4 ★Texas Ratio: 22.58%Real return: +0.97%APY minus CPIRate verified Oct 22, 2026 offering IRA 18 Month Variable at 4.67% APY, Tinker Federal Credit UnionTinker Federal Credit Union4626 NW 39th St, Oklahoma City, OK 73122A+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 Bank501 Nw Grand Blvd, Oklahoma City, OK 73118A+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, and Communication Federal Credit UnionCommunication Federal Credit Union427 NW 6th St, Oklahoma City, OK 73102 2804A5.0 ★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. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Oklahoma City has 464 local institutions in our database, with CD rates as high as 4.87% APY from Advancial Federal Credit Union at 815 NW 58th St, Oklahoma City, OK 73118 5912. 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 Oklahoma City, Oklahoma & the Surrounding Area
Oklahoma City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
13401 N Pennsylvania Ave, Oklahoma City, OK 73120
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%
7340 W Memorial Rd, Oklahoma City, OK 73142
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%
7340 W Memorial Rd, Oklahoma City, OK 73142
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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5636 N Pennsylvania Ave, Oklahoma City, OK 73112
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
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%
6303 Waterford Blvd, Oklahoma City, OK 73118
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
3 Month Regular, IRA & Business Certificates
$0
2.45%
▲ 0.09% above Oklahoma avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▲ 0.09% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
3 Month Share Certificate
$1,000
2.00%
▼ 0.36% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.36%▼ 0.36% below avgNationally 2.13%
Details
Not available for IRA Certificates
Rate History
2 changes since Sep 18, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 4.00% / low 2.00%
- Oct 20, 20262.00%▼ from 4.00%
- Sep 24, 20264.00%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
3 Month Certificates of Deposit
$1,000
2.00%
▼ 0.36% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▼ 0.36% below avgNationally 2.13%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 3 Months
$1,000
1.50%
▼ 0.86% below Oklahoma avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▼ 0.86% below avgNationally 2.13%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 3 Months
$1,000
1.16%
▼ 1.20% below Oklahoma avg
▼
Rate1.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.36%▼ 1.20% below avgNationally 2.13%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 1.16% APY · checked 3 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
3 Month CD
$1,000
0.10%
▼ 2.26% below Oklahoma avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▼ 2.26% below avgNationally 2.13%
Details
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
Business CD - 3 Months
$1,000
0.10%
▼ 2.26% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.36%▼ 2.26% below avgNationally 2.13%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 3 Month CD - 30 Day Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
499 W Sheridan Ave, Oklahoma City, OK 73102
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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5603 N Pennsylvania Ave, Oklahoma City, OK 73112
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.31% below Oklahoma avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▼ 2.31% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5603 N Pennsylvania Ave, Oklahoma City, OK 73112
3 Month Standard CD
$1,000
0.05%
▼ 2.31% below Oklahoma avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.36%▼ 2.31% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% 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
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
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
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
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
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
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
Oklahoma City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
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%
1900 Nw Expressway, Oklahoma City, OK 73118
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%
1900 Nw Expressway, Oklahoma City, OK 73118
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
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
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%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
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%
4501 W Memorial Rd, Oklahoma City, OK 73142
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
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
3131 S Shields Blvd, Oklahoma City, OK 73129
6-month CD
$50,000
3.65%
▲ 0.42% above Oklahoma avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▲ 0.42% above avgNationally 2.78%
Details
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
6 Month CD
$500
3.60%
▲ 0.37% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.37% above avgNationally 2.78%
Details
Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 22, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 6 months
$0
3.60%
▲ 0.37% above Oklahoma avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.37% above avgNationally 2.78%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificate
$200,000
3.60%
▲ 0.37% above Oklahoma avg
▼
Rate3.55%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.37% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
- Sep 26, 20263.60%▲ from 3.35%
- Sep 18, 20263.35%first recorded
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
6-Month CD
$0
3.55%
▲ 0.32% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.55% APY
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
6 Month CD 6
$1,000
3.55%
▲ 0.32% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.32% above avgNationally 2.78%
Details
Rate History
1 change since Oct 9, 2026 · 3.24% → 3.55% ▲ 0.31 pts · high 3.55% / low 3.24%
- Oct 19, 20263.55%▲ from 3.24%
- Oct 9, 20263.24%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
427 NW 6th St, Oklahoma City, OK 73102 2804
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
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 6 Month
$1,000
3.50%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.27% above avgNationally 2.78%
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 · 3.50% APY · checked 2 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
6 Month Share/IRA Certificates
$0
3.50%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▲ 0.27% above avgNationally 2.78%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 22, 2026 · 3.50% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificate
$50,000
3.40%
▲ 0.17% above Oklahoma avg
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▲ 0.17% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 26, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
Certificates - 6 Months
$0
3.25%
▲ 0.02% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.02% above avgNationally 2.78%
Details
Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 90 day's dividends
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
High-Yield CD - 6 Months
$0
3.25%
▲ 0.02% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.23%▲ 0.02% above avgNationally 2.78%
Details
Balance: $500 - $100,000+; Oklahoma City area
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
6 Month Certificate
$1,000
3.20%
▼ 0.03% below Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.03% below avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 2.95% → 3.20% ▲ 0.25 pts · high 3.20% / low 2.95%
- Sep 26, 20263.20%▲ from 2.95%
- Sep 18, 20262.95%first recorded
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
6 Month Standard Certificate
$2,500
3.00%
▼ 0.23% below Oklahoma avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.23% below avgNationally 2.78%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
Standard Certificate - 6 Mo.
$2,500
3.00%
▼ 0.23% below Oklahoma avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.23% below avgNationally 2.78%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
6 Month Regular, IRA & Business Jumbo Certificates
$0
2.89%
▼ 0.34% below Oklahoma avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.34% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.89% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
6 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.78%
▼ 0.45% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.45% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
6 Month Share Certificate
$1,000
2.75%
▼ 0.48% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.23%▼ 0.48% below avgNationally 2.78%
Details
Not available for IRA Certificates
Rate History
2 changes since Sep 18, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 4.00% / low 2.75%
- Oct 20, 20262.75%▼ from 4.00%
- Sep 24, 20264.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
6 Month Regular, IRA & Business Certificates
$0
2.68%
▼ 0.55% below Oklahoma avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.55% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.68% APY · checked 2 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
6 Month Certificates of Deposit
$1,000
2.50%
▼ 0.73% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.23%▼ 0.73% below avgNationally 2.78%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 6 Months
$0
2.25%
▼ 0.98% below Oklahoma avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▼ 0.98% below avgNationally 2.78%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.25% APY
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Share Certificate - 6 Months
$500
2.15%
▼ 1.08% below Oklahoma avg
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▼ 1.08% below avgNationally 2.78%
Details
Regular share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.15% APY
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 6 Months
$500
1.90%
▼ 1.33% below Oklahoma avg
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.23%▼ 1.33% below avgNationally 2.78%
Details
Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026
Rate History
No change since Oct 22, 2026 · 1.90% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
499 W Sheridan Ave, Oklahoma City, OK 73102
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%
499 W Sheridan Ave, Oklahoma City, OK 73102
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%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
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 City 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%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
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
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
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%
1900 Nw Expressway, Oklahoma City, OK 73118
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
12 Month Certificate
$1,000
4.00%
▲ 0.66% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.66% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
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%
4501 W Memorial Rd, Oklahoma City, OK 73142
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
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 12 Month
$1,000
3.95%
▲ 0.61% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.61% above avgNationally 2.99%
Details
APY will vary based on the daily balance maintained; Early withdrawal penalty: 1% for terms of 12 months or less
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 19, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
12 Month CD
$500
3.85%
▲ 0.51% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details
Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
- Oct 22, 20263.85%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 12 months
$0
3.85%
▲ 0.51% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificate
$200,000
3.85%
▲ 0.51% above Oklahoma avg
▼
Rate3.80%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.51% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40%
- Sep 26, 20263.85%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
12 Month Certificate
$1,000
3.80%
▲ 0.46% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.46% above avgNationally 2.99%
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%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
Jumbo Certificate - 12 month
$75,000
3.80%
▲ 0.46% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.46% above avgNationally 2.99%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
Certificates - 12 Months
$0
3.75%
▲ 0.41% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.41% above avgNationally 2.99%
Details
Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 180 days' dividends
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
- Oct 4, 20263.75%▲ from 3.30%
- Sep 25, 20263.30%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
High-Yield CD - 12 Months
$0
3.75%
▲ 0.41% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.34%▲ 0.41% above avgNationally 2.99%
Details
Balance: $500 - $100,000+; Oklahoma City area
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
12 Month Share/IRA Certificates
$0
3.75%
▲ 0.41% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.41% above avgNationally 2.99%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 3.75% APY
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificate
$50,000
3.65%
▲ 0.31% above Oklahoma avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.31% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Roth IRA Certificates
$1,000
3.65%
▲ 0.31% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.31% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Traditional IRA Certificates
$1,000
3.65%
▲ 0.31% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.31% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
12 Month CD 12
$1,000
3.65%
▲ 0.31% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.31% above avgNationally 2.99%
Details
Rate History
1 change since Oct 9, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24%
- Oct 19, 20263.65%▲ from 3.24%
- Oct 9, 20263.24%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
1-Year CD
$0
3.50%
▲ 0.16% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▲ 0.16% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 12 Months
$1,000
3.50%
▲ 0.16% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▲ 0.16% above avgNationally 2.99%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
12 Month Certificates of Deposit
$1,000
3.50%
▲ 0.16% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.16% above avgNationally 2.99%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
12 Month Certificate
$1,000
3.45%
▲ 0.11% above Oklahoma avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▲ 0.11% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.45% ▲ 0.45 pts · high 3.45% / low 3.00%
- Sep 26, 20263.45%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
12 Month Share Certificate
$1,000
3.25%
▼ 0.09% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.34%▼ 0.09% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
12 Month Share/IRA Certificates
$0
3.25%
▼ 0.09% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.34%▼ 0.09% below avgNationally 2.99%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 22, 2026 · 3.25% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
1 Year Regular, IRA & Business Jumbo Certificates
$0
3.17%
▼ 0.17% below Oklahoma avg
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.17% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.17% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
12 Month Standard Certificate
$500
3.10%
▼ 0.24% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.24% below avgNationally 2.99%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
Standard Certificate - 12 Mo.
$500
3.10%
▼ 0.24% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.24% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
1 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.06%
▼ 0.28% below Oklahoma avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.28% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.06% APY · checked 2 times
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
Certificate of Deposit - 12 Months
$1,000
3.04%
▼ 0.30% below Oklahoma avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.34%▼ 0.30% below avgNationally 2.99%
Details
Rate History
No change since Oct 20, 2026 · 3.04% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
1 Year Dinero Teens Starter Certificate
$0
2.96%
▼ 0.38% below Oklahoma avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.38% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.96% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
1 Year Money Musketeers Starter Certificate
$0
2.96%
▼ 0.38% below Oklahoma avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.38% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.96% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
1 Year Regular, IRA & Business Certificates
$0
2.96%
▼ 0.38% below Oklahoma avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.34%▼ 0.38% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.96% APY · checked 2 times
Oklahoma City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★Texas Ratio: 22.58%
13425 N Macarthur Blvd, Oklahoma City, OK 73142
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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
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%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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%
1500 Sw 59th St, Oklahoma City, OK 73119
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
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
601 Nw 13th St, Oklahoma City, OK 73103
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
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4200 W Memorial Rd, Oklahoma City, OK 73120
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
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
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
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%
101 N WALKER AVE, OKLAHOMA CITY, OK 73102 2229
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
18 Month Certificate
$1,000
3.50%
▲ 0.37% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.37% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Sep 26, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Jumbo Certificates
$0
3.49%
▲ 0.36% above Oklahoma avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.49% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Junior Jumbo Certificates
$0
3.39%
▲ 0.26% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.39% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
18 Month Regular, IRA & Business Certificates
$0
3.29%
▲ 0.16% above Oklahoma avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 18 Months
$1,000
3.15%
▲ 0.02% above Oklahoma avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▲ 0.02% above avgNationally 2.88%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.15% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
18 Month Standard Certificate
$500
3.15%
▲ 0.02% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.02% above avgNationally 2.88%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
Standard Certificate - 18 Mo.
$500
3.15%
▲ 0.02% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▲ 0.02% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 3.15% APY
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
Certificate of Deposit - 18 Month IRA Variable Rate
$0
3.04%
▼ 0.09% below Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▼ 0.09% below avgNationally 2.88%
Details
IRA; Minimum Balance for APY: $1,000.00
Rate History
No change since Oct 20, 2026 · 3.04% APY · checked 2 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 18 Months
$1,000
3.04%
▼ 0.09% below Oklahoma avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▼ 0.09% below avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 3.04% APY · checked 3 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12201 N May Ave, Oklahoma City, OK 73120
18 Month IRA Account
$0
3.00%
▼ 0.13% below Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.13% below avgNationally 2.88%
Details
IRA; Early withdrawal penalty may apply; rate may change after account opening
Rate History
No change since Sep 28, 2026 · 3.00% APY · checked 6 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
18 Month CD
$1,000
2.98%
▼ 0.15% below Oklahoma avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.15% below avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 2.98% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
Business CD - 18 Months
$1,000
2.98%
▼ 0.15% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.15% below avgNationally 2.88%
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 · 2.98% APY · checked 3 times
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
Certificate of Deposit - 18 Months
$1,000
2.79%
▼ 0.34% below Oklahoma avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.13%▼ 0.34% below avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 2.79% APY · checked 2 times
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
18 Month Share Certificate
$500
2.78%
▼ 0.35% below Oklahoma avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 0.35% below avgNationally 2.88%
Details
Balance: $100,000.00 +; Dividends Paid: Monthly
Rate History
No change since Oct 9, 2026 · 2.78% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
18 Month Share Certificate
$1,000
2.75%
▼ 0.38% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.13%▼ 0.38% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4501 W Memorial Rd, Oklahoma City, OK 73142
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%
4501 W Memorial Rd, Oklahoma City, OK 73142
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
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 18 Months
$0
2.70%
▼ 0.43% below Oklahoma avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.43% below avgNationally 2.88%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.70% APY
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★Texas Ratio: 22.58%
13425 N Macarthur Blvd, Oklahoma City, OK 73142
Step Up CD - 18 Months
$0
2.64%
▼ 0.49% below Oklahoma avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.49% below avgNationally 2.88%
Details
Balance: $10,000.00 and Up; CD rate offered to customers with an active transaction account at Legacy Bank
Rate History
No change since Oct 22, 2026 · 2.64% APY
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Share Certificate - 18 Months
$500
2.60%
▼ 0.53% below Oklahoma avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.53% below avgNationally 2.88%
Details
Regular share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.60% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
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
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.42%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
18 Month Share Certificate
$500
2.53%
▼ 0.60% below Oklahoma avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 0.60% below avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99; Dividends Paid: Monthly
Rate History
No change since Oct 9, 2026 · 2.53% APY · checked 2 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 18 Months
$500
2.35%
▼ 0.78% below Oklahoma avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.13%▼ 0.78% below avgNationally 2.88%
Details
Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026
Rate History
No change since Oct 22, 2026 · 2.35% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
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%
4576 Nw 10th St, Oklahoma City, OK 73127
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
499 W Sheridan Ave, Oklahoma City, OK 73102
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%
499 W Sheridan Ave, Oklahoma City, OK 73102
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%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
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%
4001 NW Expressway, OKLAHOMA CITY, OK 73116 1686
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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5603 N Pennsylvania Ave, Oklahoma City, OK 73112
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.38% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 2.38% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5603 N Pennsylvania Ave, Oklahoma City, OK 73112
18 Month Standard CD
$1,000
0.75%
▼ 2.38% below Oklahoma avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.13%▼ 2.38% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4501 W Memorial Rd, Oklahoma City, OK 73142
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
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
Oklahoma City 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%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
1500 Sw 59th St, Oklahoma City, OK 73119
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
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%
1900 Nw Expressway, Oklahoma City, OK 73118
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Certificate
$50,000
3.80%
▲ 0.70% above Oklahoma avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Roth IRA Certificates
$1,000
3.80%
▲ 0.70% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Traditional IRA Certificates
$1,000
3.80%
▲ 0.70% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.70% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78%
▲ 0.68% above Oklahoma avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.68% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.78% APY · checked 2 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 24 Months
$0
3.75%
▲ 0.65% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 3.75% APY
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 24 Months
$500
3.75%
▲ 0.65% above Oklahoma avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details
Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026
Rate History
No change since Oct 22, 2026 · 3.75% APY
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
24 Month CD 24
$1,000
3.75%
▲ 0.65% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.65% above avgNationally 2.90%
Details
Rate History
1 change since Oct 9, 2026 · 3.44% → 3.75% ▲ 0.31 pts · high 3.75% / low 3.44%
- Oct 19, 20263.75%▲ from 3.44%
- Oct 9, 20263.44%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
2 Year Regular, IRA & Business Certificates
$0
3.68%
▲ 0.58% above Oklahoma avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.58% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.68% APY · checked 2 times
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
2-Year CD
$0
3.60%
▲ 0.50% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.50% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.60% APY
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
24 Month Certificate
$1,000
3.60%
▲ 0.50% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.50% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
- Sep 26, 20263.60%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 24 months
$0
3.50%
▲ 0.40% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
Certificates - 24 Months
$0
3.50%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 180 days' dividends
Rate History
1 change since Sep 25, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
- Oct 4, 20263.50%▲ from 3.10%
- Sep 25, 20263.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
High-Yield CD - 24 Months
$0
3.50%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Balance: $500 - $100,000+; Oklahoma City area
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 24 Month
$1,000
3.50%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.40% above avgNationally 2.90%
Details
APY will vary based on the daily balance maintained; Early withdrawal penalty: 3% for terms greater than 12 months
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
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
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
24 Month Share/IRA Certificates
$0
3.25%
▲ 0.15% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 3.25% APY
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
24 Month Standard Certificate
$500
3.15%
▲ 0.05% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.05% above avgNationally 2.90%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
Standard Certificate - 24 Mo.
$500
3.15%
▲ 0.05% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.10%▲ 0.05% above avgNationally 2.90%
Details
Standard Certificate Rates; Effective Date: September 9, 2025
Rate History
No change since Oct 19, 2026 · 3.15% APY
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 24 Months
$1,000
3.05%
▼ 0.05% below Oklahoma avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▼ 0.05% below avgNationally 2.90%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 3.05% APY · checked 2 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12201 N May Ave, Oklahoma City, OK 73120
2 Year Certificate
$2,500
3.00%
▼ 0.10% below Oklahoma avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 0.10% below avgNationally 2.90%
Details
Balance: $2,500.00 and up; Early withdrawal penalty may apply
Rate History
1 change since Sep 28, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Oct 12, 20263.00%▲ from 2.75%
- Sep 28, 20262.75%first recorded
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
24 Month Certificate
$1,000
3.00%
▼ 0.10% below Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▼ 0.10% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
24 Month Share/IRA Certificates
$0
3.00%
▼ 0.10% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 0.10% below avgNationally 2.90%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 22, 2026 · 3.00% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
2-Year Share or IRA Certificate
$0
2.78%
▼ 0.32% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▼ 0.32% below avgNationally 2.90%
Details
Balance: $80,000 to 100,000
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 9 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
24 Month Share Certificate
$1,000
2.75%
▼ 0.35% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.10%▼ 0.35% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
2-Year Share or IRA Certificate
$0
2.63%
▼ 0.47% below Oklahoma avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▼ 0.47% below avgNationally 2.90%
Details
Balance: $25,000 to $79,999.99
Rate History
No change since Sep 12, 2026 · 2.63% APY · checked 9 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 24 Months
$1,000
2.58%
▼ 0.52% below Oklahoma avg
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▼ 0.52% below avgNationally 2.90%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 2.58% APY · checked 3 times
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
2-Year Share or IRA Certificate
$0
2.57%
▼ 0.53% below Oklahoma avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▼ 0.53% below avgNationally 2.90%
Details
Balance: $10,000 to $24,999.99
Rate History
No change since Sep 12, 2026 · 2.57% APY · checked 9 times
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
Certificate of Deposit - 24 Months
$1,000
2.53%
▼ 0.57% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.10%▼ 0.57% below avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 2.53% APY · checked 2 times
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
2-Year Share or IRA Certificate
$0
2.52%
▼ 0.58% below Oklahoma avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.10%▼ 0.58% below avgNationally 2.90%
Details
Balance: $500 to $9,999.99
Rate History
No change since Sep 12, 2026 · 2.52% APY · checked 9 times
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★Texas Ratio: 22.58%
13425 N Macarthur Blvd, Oklahoma City, OK 73142
Step Up CD - 2 Year
$0
2.12%
▼ 0.98% below Oklahoma avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.10%▼ 0.98% below avgNationally 2.90%
Details
Balance: $10,000.00 and Up; CD rate offered to customers with an active transaction account at Legacy Bank
Rate History
No change since Oct 22, 2026 · 2.12% APY
Oklahoma City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2325 E I 44 Service Rd, Oklahoma City, OK 73111 8219
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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%
1045 NW 49th St, Oklahoma City, OK 73118
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%
1045 NW 49th St, Oklahoma City, OK 73118
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
Certificate Account - 36 Month
$1,000
3.85%
▲ 0.83% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.83% 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% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 19, 20263.85%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
36 Month Certificate
$1,000
3.70%
▲ 0.68% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.68% above avgNationally 2.81%
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.65%
▲ 0.63% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.63% 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 · 3.65% APY
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
3-Year CD
$0
3.60%
▲ 0.58% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.58% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.60% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1500 Sw 59th St, Oklahoma City, OK 73119
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Share Certificate - DDEP Bonus
$1,000
3.50%
▲ 0.48% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.48% 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 · 3.50% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Jumbo Share Certificate
$100,000
3.40%
▲ 0.38% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.38% above avgNationally 2.81%
Details
JUMBO certificate
Rate History
No change since Oct 20, 2026 · 3.40% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
36 Month Share Certificate
$1,000
3.25%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
36 Month Certificate of Deposit
$0
3.25%
▲ 0.23% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 36 months
$0
3.25%
▲ 0.23% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
36 Month CD
$1,000
3.25%
▲ 0.23% above Oklahoma avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
Business CD - 36 Months
$1,000
3.25%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
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 · 3.25% APY · checked 3 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
Certificates - 36 Months
$0
3.25%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 360 days' dividends
Rate History
1 change since Sep 25, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
- Oct 4, 20263.25%▲ from 3.10%
- Sep 25, 20263.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
High-Yield CD - 36 Months
$0
3.25%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▲ 0.23% above avgNationally 2.81%
Details
Balance: $500 - $100,000+; Oklahoma City area
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
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
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
36 Month Standard Certificate
$500
3.20%
▲ 0.18% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.18% above avgNationally 2.81%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
Standard Certificate - 36 Mo.
$500
3.20%
▲ 0.18% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.02%▲ 0.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 3.20% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
9601 N May Ave, Oklahoma City, OK 73120
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
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
36 Month Share/IRA Certificates
$0
3.00%
▼ 0.02% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 0.02% below avgNationally 2.81%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 3.00% APY
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
36 Month Certificate
$1,000
2.85%
▼ 0.17% below Oklahoma avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▼ 0.17% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 10 times
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.83%
▼ 0.19% below Oklahoma avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▼ 0.19% below avgNationally 2.81%
Details
Balance: $80,000 to 100,000
Rate History
No change since Sep 20, 2026 · 2.83% APY · checked 7 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 36 Months
$0
2.75%
▼ 0.27% below Oklahoma avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 0.27% below avgNationally 2.81%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.75% APY
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
36 Month Share/IRA Certificates
$0
2.75%
▼ 0.27% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 0.27% below avgNationally 2.81%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 22, 2026 · 2.75% APY
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.73%
▼ 0.29% below Oklahoma avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▼ 0.29% below avgNationally 2.81%
Details
Balance: $25,000 to $79,999.99
Rate History
No change since Sep 20, 2026 · 2.73% APY · checked 7 times
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.68%
▼ 0.34% below Oklahoma avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▼ 0.34% below avgNationally 2.81%
Details
Balance: $10,000 to $24,999.99
Rate History
No change since Sep 20, 2026 · 2.68% APY · checked 7 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 36 Months
$1,000
2.65%
▼ 0.37% below Oklahoma avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.02%▼ 0.37% below avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 3 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Share Certificate - 36 Months
$500
2.65%
▼ 0.37% below Oklahoma avg
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.02%▼ 0.37% below avgNationally 2.81%
Details
Regular share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.65% APY
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
3-Year Share or IRA Certificate
$0
2.63%
▼ 0.39% below Oklahoma avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.02%▼ 0.39% below avgNationally 2.81%
Details
Balance: $500 to $9,999.99
Rate History
No change since Sep 20, 2026 · 2.63% APY · checked 7 times
Oklahoma City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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%
1045 NW 49th St, Oklahoma City, OK 73118
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%
1045 NW 49th St, Oklahoma City, OK 73118
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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%
1045 NW 49th St, Oklahoma City, OK 73118
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Jumbo Share Certificate
$100,000
3.65%
▲ 0.67% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.67% above avgNationally 2.81%
Details
JUMBO certificate
Rate History
No change since Oct 20, 2026 · 3.65% APY
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
4-Year CD
$0
3.60%
▲ 0.62% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.62% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.60% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1500 Sw 59th St, Oklahoma City, OK 73119
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
48 Month Share Certificate
$1,000
3.50%
▲ 0.52% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
48 Month Certificate of Deposit
$0
3.25%
▲ 0.27% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Accurate as of 09/30/2026; Minimum Balance $500
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 48 months
$0
3.25%
▲ 0.27% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
48 Month CD
$1,000
3.25%
▲ 0.27% above Oklahoma avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
Business CD - 48 Months
$1,000
3.25%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
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 · 3.25% APY · checked 3 times
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
Certificates - 48 Months
$0
3.25%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Balance: $500 - $100,000+; Dividends compounded monthly; Early withdrawal penalty: 360 days' dividends
Rate History
1 change since Sep 25, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
- Oct 4, 20263.25%▲ from 3.05%
- Sep 25, 20263.05%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK 73119
High-Yield CD - 48 Months
$0
3.25%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Balance: $500 - $100,000+; Oklahoma City area
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
48 Month Standard Certificate
$500
3.25%
▲ 0.27% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average2.98%▲ 0.27% above avgNationally 2.81%
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
427 NW 6th St, Oklahoma City, OK 73102 2804
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
3.03%
▲ 0.05% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▲ 0.05% above avgNationally 2.81%
Details
Balance: $80,000 to 100,000
Rate History
No change since Sep 17, 2026 · 3.03% APY · checked 8 times
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
420 NE 10th St, Oklahoma City, OK 73104
48 Month Certificate
$1,000
2.85%
▼ 0.13% below Oklahoma avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▼ 0.13% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 10 times
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.83%
▼ 0.15% below Oklahoma avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▼ 0.15% below avgNationally 2.81%
Details
Balance: $25,000 to $79,999.99
Rate History
No change since Sep 17, 2026 · 2.83% APY · checked 8 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 48 Months
$1,000
2.82%
▼ 0.16% below Oklahoma avg
▼
Rate2.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▼ 0.16% below avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 7, 2026 · 2.82% APY · checked 3 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 48 Months
$0
2.80%
▼ 0.18% below Oklahoma avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 0.18% below avgNationally 2.81%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.80% APY
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.78%
▼ 0.20% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▼ 0.20% below avgNationally 2.81%
Details
Balance: $10,000 to $24,999.99
Rate History
No change since Sep 17, 2026 · 2.78% APY · checked 8 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
48 Month Share/IRA Certificates
$0
2.75%
▼ 0.23% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 2.75% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
4-Year Share or IRA Certificate
$0
2.73%
▼ 0.25% below Oklahoma avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average2.98%▼ 0.25% below avgNationally 2.81%
Details
Balance: $500 to $9,999.99
Rate History
No change since Sep 17, 2026 · 2.73% APY · checked 8 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Share Certificate - 48 Months
$500
2.70%
▼ 0.28% below Oklahoma avg
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 0.28% below avgNationally 2.81%
Details
Regular share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.70% APY
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 48 Months
$500
2.55%
▼ 0.43% below Oklahoma avg
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 0.43% below avgNationally 2.81%
Details
Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026
Rate History
No change since Oct 22, 2026 · 2.55% APY
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 48 Months
$1,000
2.50%
▼ 0.48% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
OKLAHOMA
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
517 NE 36th St, Oklahoma City, OK 73105
48 Month Share/IRA Certificates
$0
2.50%
▼ 0.48% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Balance: $1,000 - $50,000
Rate History
No change since Oct 22, 2026 · 2.50% APY
The Bank of the West
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
Certificate of Deposit - 48 Months
$1,000
1.76%
▼ 1.22% below Oklahoma avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average2.98%▼ 1.22% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 1.76% APY · checked 2 times
Oklahoma City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
815 NW 58th St, Oklahoma City, OK 73118 5912
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%
815 NW 58th St, Oklahoma City, OK 73118 5912
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%
815 NW 58th St, Oklahoma City, OK 73118 5912
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1045 NW 49th St, Oklahoma City, OK 73118
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%
1045 NW 49th St, Oklahoma City, OK 73118
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4626 NW 39th St, Oklahoma City, OK 73122
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%
4626 NW 39th St, Oklahoma City, OK 73122
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7340 W Memorial Rd, Oklahoma City, OK 73142
60 Month Share Certificate
$1,000
3.75%
▲ 0.75% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Oklahoma Average3.00%▲ 0.75% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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%
10201 S Western Ave, Oklahoma City, OK 73139 2931
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
All America Bank
Institution Rating:
D3.0 ★Texas Ratio: 39.19%
200 S Rockwell Ave, Oklahoma City, OK 73128
5-Year CD
$0
3.60%
▲ 0.60% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.60% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.60% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1500 Sw 59th St, Oklahoma City, OK 73119
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%
1500 Sw 59th St, Oklahoma City, OK 73119
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
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
200 NE 21st St, Oklahoma City, OK 73105
60 Month Standard Certificate
$500
3.30%
▲ 0.30% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.92%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
701 N Broadway Ave, Oklahoma City, OK 73102
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
60 Month Certificate of Deposit
$0
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
Details
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6303 Waterford Blvd, Oklahoma City, OK 73118
CD - 60 months
$0
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
60 Month CD
$1,000
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
Details
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1900 Nw Expressway, Oklahoma City, OK 73118
Business CD - 60 Months
$1,000
3.25%
▲ 0.25% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.92%
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 · 3.25% APY · checked 3 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 60 Months
$0
3.13%
▲ 0.13% above Oklahoma avg
▼
Rate3.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.13% above avgNationally 2.92%
Details
Balance: $250,000 - $5,000,000; Certificates of Deposit & IRAs; Rates effective as of Sept 25, 2026; Early withdrawal penalty may apply
Rate History
2 changes since Sep 15, 2026 · 3.03% → 3.13% ▲ 0.10 pts · high 3.13% / low 3.03%
- Oct 21, 20263.13%▲ from 3.04%
- Oct 7, 20263.04%▲ from 3.03%
- Sep 15, 20263.03%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
427 NW 6th St, Oklahoma City, OK 73102 2804
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
3.09%
▲ 0.09% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▲ 0.09% above avgNationally 2.92%
Details
Balance: $80,000 to $100,000
Rate History
No change since Sep 12, 2026 · 3.09% APY · checked 9 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 60 Months
$0
3.08%
▲ 0.08% above Oklahoma avg
▼
Rate3.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.08% above avgNationally 2.92%
Details
Balance: $50,000 - $249,999; Certificates of Deposit & IRAs; Rates effective as of Sept 25, 2026; Early withdrawal penalty may apply
Rate History
2 changes since Sep 15, 2026 · 3.03% → 3.08% ▲ 0.05 pts · high 3.08% / low 3.03%
- Oct 21, 20263.08%▲ from 3.04%
- Oct 7, 20263.04%▲ from 3.03%
- Sep 15, 20263.03%first recorded
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
5100 S I 35 Service Rd, Oklahoma City, OK 73129
Certificate of Deposit - 60 Months
$0
3.03%
▲ 0.03% above Oklahoma avg
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▲ 0.03% above avgNationally 2.92%
Details
Balance: $1,000 - $9,999; Certificates of Deposit & IRAs; Rates effective as of Sept 25, 2026; Early withdrawal penalty may apply
Rate History
2 changes since Sep 15, 2026 · 3.03% → 3.03% ▼ 0.00 pts · high 3.04% / low 3.03%
- Oct 21, 20263.03%▼ from 3.04%
- Oct 7, 20263.04%▲ from 3.03%
- Sep 15, 20263.03%first recorded
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
9601 N May Ave, Oklahoma City, OK 73120
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%
701 N Broadway Ave, Oklahoma City, OK 73102
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
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.93%
▼ 0.07% below Oklahoma avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▼ 0.07% below avgNationally 2.92%
Details
Balance: $25,000 to $79,999.99
Rate History
No change since Sep 12, 2026 · 2.93% APY · checked 9 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Jumbo Share Certificate - 60 Months
$0
2.90%
▼ 0.10% below Oklahoma avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 0.10% below avgNationally 2.92%
Details
Jumbo Share Certificate; Balance: $100k+; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.90% APY
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.83%
▼ 0.17% below Oklahoma avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▼ 0.17% below avgNationally 2.92%
Details
Balance: $10,000 to $24,999.99
Rate History
No change since Sep 12, 2026 · 2.83% APY · checked 9 times
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Share Certificate - 60 Months
$500
2.80%
▼ 0.20% below Oklahoma avg
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 0.20% below avgNationally 2.92%
Details
Regular share certificate; early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.80% APY
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3650 N Martin Luther King Ave, Oklahoma City, OK 73111 4223
5-Year Share or IRA Certificate
$0
2.78%
▼ 0.22% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Oklahoma Average3.00%▼ 0.22% below avgNationally 2.92%
Details
Balance: $500 to $9,999.99
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 9 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
501 Nw Grand Blvd, Oklahoma City, OK 73118
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
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
4235 N Meridian Ave, Oklahoma City, OK 73112 2456
Regular CD - 60 Months
$500
2.60%
▼ 0.40% below Oklahoma avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Oklahoma Average3.00%▼ 0.40% below avgNationally 2.92%
Details
Balance: $500-$9,999; $500 minimum to open regular share certificates; Effective Date September 23, 2026
Rate History
No change since Oct 22, 2026 · 2.60% APY
First Enterprise Bank
Institution Rating:
F2.0 ★Texas Ratio: 50.59%
1000 W Britton Rd, Oklahoma City, OK 73114
Certificate of Deposit - 60 Months
$1,000
2.50%
▼ 0.50% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Oklahoma Average3.00%▼ 0.50% below avgNationally 2.92%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4576 Nw 10th St, Oklahoma City, OK 73127
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%
4576 Nw 10th St, Oklahoma City, OK 73127
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%
4576 Nw 10th St, Oklahoma City, OK 73127
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Oklahoma City, OK CD Rate Trends
Compare local Oklahoma City, OK CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD OK Avg
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 Oklahoma City, Oklahoma Savers
$25,000 split equally across 5 terms using today’s Oklahoma average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | OK Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.361% | $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 Oklahoma City, Oklahoma
Tracked in Oklahoma City, Oklahoma
49 Banks
40 Credit Unions
About Our Oklahoma City, Oklahoma CD Rate Database
MonitorBankRates tracks 859 CD rates from 49 banks and 40 credit unions with locations in Oklahoma City, Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 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: Advancial Federal Credit Union offers a CD at 4.87% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Oklahoma City, Oklahoma.
How to Find the Best CD Rates in Oklahoma City, Oklahoma
What to compare when shopping for a CD in Oklahoma City, Oklahoma
To find the best APYs in Oklahoma City, Oklahoma, start with credit unions and online-only banks: Oklahoma City, Oklahoma has 40 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 Oklahoma City, Oklahoma
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Oklahoma City, Oklahoma: 89 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Oklahoma City, Oklahoma savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Oklahoma City, Oklahoma money market rates
Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
16.3%
National avg: 17.3%
Median Individual Earnings
$40,265
National avg: $47,340
Poverty Rate
15.3%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At OK 12-mo avg 3.336% APY
16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 3.336%, saving 10% of the local median salary ($4,026/year) and putting it in a CD would earn an additional $134 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 Oklahoma City, Oklahoma
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 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 Oklahoma City, Oklahoma
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Oklahoma City, Oklahoma typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Oklahoma City, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Oklahoma City, Oklahoma
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Oklahoma City, Oklahoma savers easier access to their funds. For example, Frontier State Bank is offering its Certificate of Deposit - 6 Months at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its 5 Year Regular, IRA & Business Jumbo Certificates at 4.87% 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 Oklahoma City, Oklahoma Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Oklahoma City, Oklahoma saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Oklahoma City, Oklahoma
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Oklahoma City, Oklahoma CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Oklahoma City, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Oklahoma City, Oklahoma depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Oklahoma City, Oklahoma
Are CD rates in Oklahoma City, Oklahoma FDIC insured?
Yes, most established banks in Oklahoma City, Oklahoma are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Oklahoma City, Oklahoma?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Oklahoma City, Oklahoma.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Oklahoma City, Oklahoma may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Oklahoma City, Oklahoma?
Here are recent top rates found for this area:
- Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
- Legacy Bank Hinton, OK: 4.67% APY (IRA 18 Month Variable)
- 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)
- Frontier State Bank: 4.25% APY (Certificate of Deposit - 12 Months)
- City National B&T Co. of Lawton, OK: 4.18% APY (24 Month Certificate of Deposit - Compounding Monthly)
- Farmers Insurance Federal Credit Union: 4.15% APY (60 Month Jumbo Share Certificate - DDEP Bonus)
- First Liberty Bank: 4.15% APY (12 Month CD (also IRA))
- TTCU Federal Credit Union: 4.15% APY (48 Month Certificate)
Rates reflect recent verified offers available in Oklahoma City, Oklahoma. Last Updated: October 23, 2026
Oklahoma City, Oklahoma CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Oklahoma City, Oklahoma rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oklahoma City, Oklahoma
Oklahoma City, Oklahoma CD Calculator
At today’s OK top rate of 4.87% APY, a $10,000 deposit earns $487 in the first year. Enter your amount to see your exact return.
Oklahoma City, 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 Oklahoma City, Oklahoma CD at 4.87% 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 Oklahoma City, Oklahoma CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oklahoma City, Oklahoma directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oklahoma City, Oklahoma. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in OK.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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