Shawnee, 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.
Shawnee, Oklahoma CD rates range from 0.05% to 4.87% APY, verified by MonitorBankRates as of October 14, 2026. Current Shawnee, Oklahoma CD rates include Tinker Federal Credit UnionTinker Federal Credit Union3923 N Harrison St, Shawnee, OK 74804A+5.0 ★Texas Ratio: 2.34%Real return: +1.60%APY minus CPI (February 2026) offering 60 Month Term Share (Certificate) / IRA at 4.40% APY, Vio BankVio Bank2320 N Harrison St, Shawnee, OK 74804A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit (CD) at 4.40% APY, Communication Federal Credit UnionCommunication Federal Credit Union4501 N Kickapoo Ave, Shawnee, OK 74804 1214A5.0 ★Texas Ratio: 6.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month IRA/Share Certificate at 4.35% APY, City National B&T Co. of Lawton, OKCity National B&T Co. of Lawton, OK196 Shawnee Mall Dr, Shawnee, OK 74804B4.6 ★Texas Ratio: 19.27%Real return: +0.50%APY minus CPI (February 2026) offering FIXED RATE: Non-Compounding - 18 months at 3.30% APY, and Bison Federal Credit UnionBison Federal Credit Union2 W Macarthur St, Shawnee, OK 74804 2026A+5.0 ★Texas Ratio: 0.43%Real return: +0.34%APY minus CPI (February 2026) offering 1 Year IRA Certificate Account at 3.14% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Shawnee has 66 local institutions in our database, with CD rates as high as 4.40% APY from Tinker Federal Credit Union at 3923 N Harrison St, Shawnee, OK 74804. 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 14, 2026
Compare Best CD Rates in Shawnee, Oklahoma & the Surrounding Area
Shawnee 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share (Certificate) / IRA
$0
3.41%
▲ 0.97% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.97% above avgNationally 2.09%
Details
Balance: $99,000 minimum; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share (Certificate) / IRA
$0
3.30%
▲ 0.86% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.86% above avgNationally 2.09%
Details
Balance: $50,000 minimum; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share Certificate
$0
3.26%
▲ 0.82% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.82% above avgNationally 2.09%
Details
Balance: $50,000 tier; Early withdrawal penalty: 60 Days
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.26% ▼ 0.04 pts · high 3.30% / low 3.26%
- Oct 14, 20263.26%▼ from 3.30%
- Sep 24, 20263.30%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share (Certificate) / IRA
$0
3.20%
▲ 0.76% above Oklahoma avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.76% above avgNationally 2.09%
Details
Balance: $25,000 minimum; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share (Certificate) / IRA
$0
3.10%
▲ 0.66% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.66% above avgNationally 2.09%
Details
Balance: $10,000 minimum; Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 5 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
3 Month Term Share (Certificate) / IRA
$0
2.94%
▲ 0.50% above Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.50% above avgNationally 2.09%
Details
Balance: $500 minimum (IRA only); Early Withdrawal Penalty: 60 Days
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 1.56% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.56% above avgNationally 2.09%
Details
Interest credited At Maturity; FDIC insured: Yes; Account maximum $500,000
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.56% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.56% above avgNationally 2.09%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$75,000
3.92%
▲ 1.48% above Oklahoma avg
▼
Rate3.85%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 1.48% above avgNationally 2.09%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
- Oct 12, 20263.92%▲ from 3.41%
- Sep 25, 20263.41%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.41% above Oklahoma avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.41% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.31% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▲ 1.31% above avgNationally 2.09%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$20,000
3.67%
▲ 1.23% above Oklahoma avg
▼
Rate3.60%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 1.23% above avgNationally 2.09%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.67% ▲ 0.26 pts · high 3.67% / low 3.41%
- Oct 12, 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 Certificate of Deposit
$1,000
3.65%
▲ 1.21% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▲ 1.21% above avgNationally 2.09%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
3 Month (90 Day) CD
$0
3.60%
▲ 1.16% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 1.16% above avgNationally 2.09%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
3 Month Certificate of Deposit
$1,000
3.55%
▲ 1.11% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▲ 1.11% above avgNationally 2.09%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50%
▲ 1.06% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.06% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month IRA Certificate Special
$1,000
3.50%
▲ 1.06% above Oklahoma avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
CD Specials; Available for IRAs-Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.50% APY
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$1,000
3.50%
▲ 1.06% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$200,000
3.50%
▲ 1.06% above Oklahoma avg
▼
Rate3.46%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 26, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month CD
$500
3.41%
▲ 0.97% above Oklahoma avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 0.97% above avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates
$0
3.41%
▲ 0.97% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.97% above avgNationally 2.09%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 2 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.96% above avgNationally 2.09%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
3 Month Certificate
$50,000
3.35%
▲ 0.91% above Oklahoma avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 0.91% above avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 6 times
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.92%
3 Month Certificate
$1,000
3.30%
▲ 0.86% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 0.86% above avgNationally 2.09%
Details
Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 6 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Month Share Certificates
$0
3.30%
▲ 0.86% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.86% above avgNationally 2.09%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$50,000
3.30%
▲ 0.86% above Oklahoma avg
▼
Rate3.26%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.44%▲ 0.86% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
- Sep 26, 20263.30%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Jumbo CD
$100,000
3.25%
▲ 0.81% above Oklahoma avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.81% above avgNationally 2.09%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Accounts and IRA Certificates - 3 Month
$0
3.25%
▲ 0.81% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.44%▲ 0.81% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
3 Month Certificate
$0
3.15%
▲ 0.71% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▲ 0.71% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.15% APY · checked 8 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
3 Month Certificate
$2,500
3.15%
▲ 0.71% above Oklahoma avg
▼
Rate3.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 0.71% above avgNationally 2.09%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.15% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Certificates
$1,000
3.10%
▲ 0.66% above Oklahoma avg
▼
Rate3.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.44%▲ 0.66% above avgNationally 2.09%
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
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month CD
$1,000
3.05%
▲ 0.61% above Oklahoma avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▲ 0.61% above avgNationally 2.09%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.05% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
90 Day Certificate
$2,000
3.04%
▲ 0.60% above Oklahoma avg
▼
Rate3.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▲ 0.60% above avgNationally 2.09%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
No change since Oct 7, 2026 · 3.04% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month CD
$1,000
3.00%
▲ 0.56% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.56% above avgNationally 2.09%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 2 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Share Certificate - 3 Months
$1,000
3.00%
▲ 0.56% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.56% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Jumbo Certificate
$100,000
2.95%
▲ 0.51% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.51% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Jumbo IRA Certificate
$100,000
2.95%
▲ 0.51% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.51% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month Certificate
$1,000
2.90%
▲ 0.46% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.46% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
3-month IRA Certificate
$1,000
2.90%
▲ 0.46% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.46% above avgNationally 2.09%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business Certificate of Deposit - 3 Month
$1,000
2.75%
▲ 0.31% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.31% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
- Oct 14, 20262.75%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65%
▲ 0.21% above Oklahoma avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.21% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
- Oct 1, 20262.65%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55%
▲ 0.11% above Oklahoma avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.11% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
- Oct 1, 20262.55%▲ from 2.45%
- Sep 18, 20262.45%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA Plus Certificates
$0
2.47%
▲ 0.03% above Oklahoma avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.03% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates Plus
$0
2.47%
▲ 0.03% above Oklahoma avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▲ 0.03% above avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Certificates
$0
2.45%
▲ 0.01% above Oklahoma avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▲ 0.01% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
- Oct 1, 20262.45%▲ from 2.34%
- Sep 18, 20262.34%first recorded
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Month Certificate
$0
2.27%
▼ 0.17% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.44%▼ 0.17% below avgNationally 2.09%
Details
Rate History
No change since Oct 12, 2026 · 2.27% APY
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates
$0
2.27%
▼ 0.17% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▼ 0.17% below avgNationally 2.09%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 3 month
$1,000
2.02%
▼ 0.42% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▼ 0.42% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.02% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$0
2.00%
▼ 0.44% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▼ 0.44% below avgNationally 2.09%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
Shawnee 6 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%
3923 N Harrison St, Shawnee, OK 74804
6 Month Term Share (Certificate) / IRA
$0
3.96%
▲ 0.71% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.71% above avgNationally 2.77%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
6 Month Term Share (Certificate) / IRA
$0
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Balance: $50,000 minimum; 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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2320 N Harrison St, Shawnee, OK 74804
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.60% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
6 Month Term Share (Certificate) / IRA
$0
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
6 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.29% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.29% above avgNationally 2.77%
Details
Balance: $10,000 minimum; 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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
6 Month IRA/Share Certificate
$1,000
3.50%
▲ 0.25% above Oklahoma avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.25% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
6 Month Term Share (Certificate) / IRA
$0
3.39%
▲ 0.14% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.14% above avgNationally 2.77%
Details
Balance: $500 minimum (IRA only); 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
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
6 Month IRA Certificate Account
$500
3.04%
▼ 0.21% below Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 0.21% below avgNationally 2.77%
Details
Dividends compounded and credited monthly; dividend period calendar month; additional deposits not allowed; withdrawals allowed with penalty; renewable automatic
Rate History
No change since Sep 17, 2026 · 3.04% APY · checked 7 times
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
Certificate of Deposit Account - 6 Month
$500
3.04%
▼ 0.21% below Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 0.21% below avgNationally 2.77%
Details
Fixed APR/APY; Dividends compounding monthly and credited monthly; Dividend period: calendar month; Additional deposits not allowed; Withdrawals allowed with penalty; Renewable: automatic
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 8 times
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month CD
$0
4.55%
▲ 1.30% above Oklahoma avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.30% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30%
- Sep 24, 20264.55%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33%
▲ 1.08% above Oklahoma avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.08% above avgNationally 2.77%
Details
Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.08% above Oklahoma avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 1.08% above avgNationally 2.77%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
6 Month Certificate of Deposit
$0
4.20%
▲ 0.95% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.95% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
6 Month Business CD
$1,000
4.05%
▲ 0.80% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.80% above avgNationally 2.77%
Details
Early withdrawal: 3 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
Traditional 6 Month CD
$1,000
4.01%
▲ 0.76% above Oklahoma avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.76% above avgNationally 2.77%
Details
WSB Traditional CDs
Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00%
▲ 0.75% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.75% above avgNationally 2.77%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 0.75% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.75% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$1,000
3.96%
▲ 0.71% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.71% above avgNationally 2.77%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 6 Month JUMBO
$100,000
3.90%
▲ 0.65% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.65% above avgNationally 2.77%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificates (CD) - 6 Month JUMBO
$100,000
3.90%
▲ 0.65% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.65% above avgNationally 2.77%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 13, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Jumbo Certificate
$100,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Jumbo IRA Certificate
$100,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
6 Month CD
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
6 Month SCA
$1,000
3.85%
▲ 0.60% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month CD
$75,000
3.82%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.57% above avgNationally 2.77%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Share & IRA Certificates - 6 Months
$0
3.82%
▲ 0.57% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.57% above avgNationally 2.77%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.82% APY
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Jumbo Certificate
$75,000
3.80%
▲ 0.55% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Certificate - 6 month
$1,000
3.80%
▲ 0.55% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.55% above avgNationally 2.77%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
6 Month CD
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.75% APY
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate
$2,500
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.68%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.75% APY
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
6 Month (180 Day) CD
$0
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.50% above Oklahoma avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Bank of Vici
Institution Rating:
F1.0 ★Texas Ratio: 83.87%
6 Month Certificate
$0
3.71%
▲ 0.46% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.46% above avgNationally 2.77%
Details
Rate History
No change since Sep 11, 2026 · 3.71% APY · checked 8 times
Lakeside Bank of Salina
Institution Rating:
B-4.3 ★Texas Ratio: 23.04%
6 Month Jumbo Certificate of Deposit
$0
3.71%
▲ 0.46% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.46% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 6 month
$1,000
3.70%
▲ 0.45% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.45% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month Certificate
$0
3.66%
▲ 0.41% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.41% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month IRA
$0
3.66%
▲ 0.41% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.41% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Sep 29, 20263.66%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6-month CD
$50,000
3.65%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Balance: $50,000 - $250,000 New Money; Open now or in branch; Take advantage of our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month IRA Certificate Special
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
CD Specials; Available for IRAs-Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.65% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month Certificate
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
6-month IRA Certificate
$1,000
3.65%
▲ 0.40% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificate
$1,000
3.61%
▲ 0.36% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.36% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6 Month Certificate of Deposit
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Minimum Balance $500; Accurate as of 09/30/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 2, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 6 months
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 2 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6-month CD
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1,000; APY accurate as of October 9, 2026; early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 3.60% APY
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6 Month CD
$100,000
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Balance: $100,000 - <$250,000; APY range: 3.60 / 3.66 APY
Rate History
2 changes since Sep 11, 2026 · 3.60% → 3.60% ▼ 0.00 pts · high 3.66% / low 3.60%
- Oct 7, 20263.60%▼ from 3.66%
- Sep 24, 20263.66%▲ from 3.60%
- Sep 11, 20263.60%first recorded
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month CD Special
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 6 Month
$1,000
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
Shawnee 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%
2320 N Harrison St, Shawnee, OK 74804
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 0.98% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
12 Month Term Share (Certificate) / IRA
$0
4.11%
▲ 0.79% above Oklahoma avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.79% above avgNationally 2.99%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
12 Month Term Share (Certificate) / IRA
$0
4.01%
▲ 0.69% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.69% above avgNationally 2.99%
Details
Balance: $50,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
12 Month Term Share (Certificate) / IRA
$0
3.90%
▲ 0.58% above Oklahoma avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
12 Month Term Share (Certificate) / IRA
$0
3.70%
▲ 0.38% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.38% above avgNationally 2.99%
Details
Balance: $10,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
12 Month Starting Line Share Certificate
$0
3.54%
▲ 0.22% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.22% 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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
12 Month Term Share (Certificate) / IRA
$0
3.54%
▲ 0.22% above Oklahoma avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.22% above avgNationally 2.99%
Details
Balance: $500 minimum (IRA only); 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
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
1 Year IRA Certificate Account
$500
3.14%
▼ 0.18% below Oklahoma avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.18% below avgNationally 2.99%
Details
Dividends compounded and credited monthly; dividend period calendar month; additional deposits not allowed; withdrawals allowed with penalty; renewable automatic
Rate History
No change since Sep 17, 2026 · 3.14% APY · checked 7 times
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
Certificate of Deposit Account - 1 Year
$500
3.14%
▼ 0.18% below Oklahoma avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.18% below avgNationally 2.99%
Details
Fixed APR/APY; Dividends compounding monthly and credited monthly; Dividend period: calendar month; Additional deposits not allowed; Withdrawals allowed with penalty; Renewable: automatic
Rate History
No change since Sep 12, 2026 · 3.14% APY · checked 8 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
1 Year IRA/Share Certificate
$1,000
2.95%
▼ 0.37% below Oklahoma avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.37% below avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 2.95% APY · checked 4 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
Individual Retirement Account - 1-Year
$500
0.30%
▼ 3.02% below Oklahoma avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 3.02% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 5 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month CD
$0
4.45%
▲ 1.13% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 1.13% above avgNationally 2.99%
Details
Special Rates; Offer ends November 24; Online Consumer Offer Only; Online Only
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 14, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
The Community State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month CD
$0
4.42%
▲ 1.10% above Oklahoma avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 1.10% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
- Sep 24, 20264.42%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.03% above Oklahoma avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 1.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 12 Months
$500
4.33%
▲ 1.01% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 1.01% above avgNationally 2.99%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 4.33% APY
Washita State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
Traditional 12 Month CD
$1,000
4.26%
▲ 0.94% above Oklahoma avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.94% above avgNationally 2.99%
Details
WSB Traditional CDs
Rate History
No change since Oct 7, 2026 · 4.26% APY · checked 2 times
Frontier State Bank
Institution Rating:
D3.4 ★Texas Ratio: 34.37%
12 Month Certificate of Deposit
$0
4.25%
▲ 0.93% above Oklahoma avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.93% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Month Certificate
$0
4.18%
▲ 0.86% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA / 12 Month Certificate
$0
4.18%
▲ 0.86% above Oklahoma avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.78% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.78% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Jumbo Share Certificates - 12 Months
$100,000
4.08%
▲ 0.76% above Oklahoma avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.76% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal; Deposits in Jumbo Certificates must be $100,000 and above
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.73% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
12 Month Business CD
$1,000
4.05%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.73% above avgNationally 2.99%
Details
Early withdrawal: 3 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
12 Month Certificate of deposit
$2,500
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month IRA
$0
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Certificate
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 1 Year JUMBO
$100,000
4.00%
▲ 0.68% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 4.00% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificates (CD) - 1 Year JUMBO
$100,000
4.00%
▲ 0.68% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 13, 20264.00%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Share Certificate - 12 Months
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.68% above Oklahoma avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.68% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
1 Year Certificate of Deposit
$1,000
3.96%
▲ 0.64% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.64% above avgNationally 2.99%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
12 Month CD
$0
3.95%
▲ 0.63% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.63% above avgNationally 2.99%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Accounts and IRA Certificates - 12 Month
$0
3.95%
▲ 0.63% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 9, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA Certificate Special
$1,000
3.90%
▲ 0.58% above Oklahoma avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
CD Specials; Available for IRAs-Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.90% APY
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7-12 Month CD
$1,000
3.86%
▲ 0.54% above Oklahoma avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
7-12 Month SCA
$1,000
3.86%
▲ 0.54% above Oklahoma avg
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.54% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.86% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
12 Month Certificate of Deposit
$0
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Minimum Balance $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
- Oct 2, 20263.85%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 12 months
$0
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
Quail Creek Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
1 Year Certificate
$2,500
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Daily Balances of : $2,500.00 and up
Rate History
No change since Oct 12, 2026 · 3.85% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
12 Month Certificates
$200,000
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.80%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.53% 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
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month IRA
$0
3.82%
▲ 0.50% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.50% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
- Sep 29, 20263.82%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 Month Certificate
$2,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
- Oct 7, 20263.80%▲ from 3.49%
- Sep 11, 20263.49%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
12 Month CD
$1,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
12 Month Jumbo Certificate
$75,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Certificate - 12 month
$1,000
3.80%
▲ 0.48% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.48% above avgNationally 2.99%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1 YEAR CD
$0
3.79%
▲ 0.47% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 6 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12-month CD
$0
3.75%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1,000; APY accurate as of October 9, 2026; early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 3.75% APY
Shawnee 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
18 Month IRA/Share Certificate
$1,000
4.35%
▲ 1.23% above Oklahoma avg
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 1.23% above avgNationally 2.88%
Details
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%
2320 N Harrison St, Shawnee, OK 74804
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.23% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 1.23% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
FIXED RATE: Non-Compounding - 18 months
$500
3.30%
▲ 0.18% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.18% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
18 Month Save & Build Certificate
$0
2.02%
▼ 1.10% below Oklahoma avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▼ 1.10% below avgNationally 2.88%
Details
Balance: $5,000 or less; Fixed dividend rate; 18-month maturity, 120-day early withdrawal penalty (renews into standard 12-month certificate if balance is $1,000 or more, into Starting Line certificate if less than $1,000); 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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
18 Month Save & Build Certificate
$0
0.65%
▼ 2.47% below Oklahoma avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▼ 2.47% below avgNationally 2.88%
Details
Balance: more than $5,000; Variable dividend rate; 18-month maturity, 120-day early withdrawal penalty (renews into standard 12-month certificate if balance is $1,000 or more, into Starting Line certificate if less than $1,000); 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
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
18 Month CD
$0
4.50%
▲ 1.38% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 1.38% 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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 18 Months
$500
4.33%
▲ 1.21% above Oklahoma avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 1.21% above avgNationally 2.88%
Details
Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 4.33% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.03% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 1.03% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.98% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.98% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$1,000
4.06%
▲ 0.94% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▲ 0.94% above avgNationally 2.88%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month CD
$0
4.05%
▲ 0.93% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.93% above avgNationally 2.88%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
18 Month IRA
$0
4.05%
▲ 0.93% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
Great Plains National Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
18-Month CD
$0
4.00%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.88% above avgNationally 2.88%
Details
CD Rate Special; open a new 18-month CD
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 18 month
$1,000
4.00%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month IRA
$0
3.97%
▲ 0.85% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 29, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$1,000
3.96%
▲ 0.84% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▲ 0.84% above avgNationally 2.88%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
18 Month CD
$1,000
3.96%
▲ 0.84% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$200,000
3.90%
▲ 0.78% above Oklahoma avg
▼
Rate3.84%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.12%▲ 0.78% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Certificate
$0
3.87%
▲ 0.75% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.75% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
- Sep 29, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85%
▲ 0.73% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18-month CD
$0
3.85%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.73% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1,000; APY accurate as of October 9, 2026; early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 3.85% APY
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
18 Month Certificate of Deposit
$1,000
3.85%
▲ 0.73% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▲ 0.73% above avgNationally 2.88%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Jumbo Share Certificates - 18 Months
$100,000
3.82%
▲ 0.70% above Oklahoma avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.70% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal; Deposits in Jumbo Certificates must be $100,000 and above
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month Jumbo CD
$100,000
3.80%
▲ 0.68% above Oklahoma avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.80% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$2,000
3.80%
▲ 0.68% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49%
- Oct 7, 20263.80%▲ from 3.49%
- Sep 11, 20263.49%first recorded
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Jumbo Certificate
$75,000
3.80%
▲ 0.68% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Balance: $75,000.00 or higher
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Certificate - 18 month
$1,000
3.80%
▲ 0.68% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Balance: below $75,000.00
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Share Certificate - 18 Months
$1,000
3.75%
▲ 0.63% above Oklahoma avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.58% above Oklahoma avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.58% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$50,000
3.70%
▲ 0.58% above Oklahoma avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.12%▲ 0.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 26, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18 Month Certificate of Deposit
$1,000
3.65%
▲ 0.53% above Oklahoma avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month CD
$1,000
3.55%
▲ 0.43% above Oklahoma avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.43% above avgNationally 2.88%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 8, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 14, 20263.55%▲ from 3.30%
- Sep 8, 20263.30%first recorded
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month CD
$1,000
3.50%
▲ 0.38% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.38% above avgNationally 2.88%
Details
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Rate History
No change since Oct 12, 2026 · 3.50% APY
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month IRA Account
$0
3.50%
▲ 0.38% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.38% above avgNationally 2.88%
Details
A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 28, 2026 · 3.50% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Certificates
$1,000
3.50%
▲ 0.38% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.12%▲ 0.38% 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%
18 Month Regular, IRA & Business Jumbo Certificates
$0
3.49%
▲ 0.37% above Oklahoma avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.37% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
- Oct 1, 20263.49%▲ from 3.28%
- Sep 18, 20263.28%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Share & IRA Certificates - 18 Months
$0
3.45%
▲ 0.33% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.33% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.45% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
18-month Jumbo Certificate
$100,000
3.45%
▲ 0.33% above Oklahoma avg
▼
Rate3.41%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.33% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
- Oct 5, 20263.45%▲ from 3.20%
- Sep 14, 20263.20%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA Plus Certificates
$0
3.44%
▲ 0.32% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.32% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates Plus
$0
3.44%
▲ 0.32% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.32% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate
$500
3.40%
▲ 0.28% above Oklahoma avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
18-month Certificate
$1,000
3.40%
▲ 0.28% above Oklahoma avg
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.28% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 5, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month Regular, IRA & Business Junior Jumbo Certificates
$0
3.39%
▲ 0.27% above Oklahoma avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
- Oct 1, 20263.39%▲ from 3.18%
- Sep 18, 20263.18%first recorded
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18 month Jumbo Certificate
$95,000
3.30%
▲ 0.18% above Oklahoma avg
▼
Rate3.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.18% above avgNationally 2.88%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
OU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
18 Month Certificate
$0
3.29%
▲ 0.17% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.17% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month Regular, IRA & Business Certificates
$0
3.29%
▲ 0.17% above Oklahoma avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.17% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
- Oct 1, 20263.29%▲ from 3.07%
- Sep 18, 20263.07%first recorded
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 month IRA Certificates
$50
3.25%
▲ 0.13% above Oklahoma avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.13% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18 month Certificate
$1,000
3.25%
▲ 0.13% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▲ 0.13% above avgNationally 2.88%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates
$0
3.24%
▲ 0.12% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▲ 0.12% above avgNationally 2.88%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 5 times
Shawnee 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%
2320 N Harrison St, Shawnee, OK 74804
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.36% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
24 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.22% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.22% above avgNationally 2.88%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
24 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Balance: $50,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
24 Month Term Share (Certificate) / IRA
$0
4.05%
▲ 1.01% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
24 Month Term Share (Certificate) / IRA
$0
3.84%
▲ 0.80% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.80% above avgNationally 2.88%
Details
Balance: $10,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
24 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.65% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.65% above avgNationally 2.88%
Details
Balance: $1,000 minimum; 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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
2 Year IRA/Share Certificate
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
FIXED RATE: Non-Compounding - 24 months
$500
3.30%
▲ 0.26% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
2 Year IRA Certificate Account
$500
2.63%
▼ 0.41% below Oklahoma avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.41% below avgNationally 2.88%
Details
Dividends compounded and credited monthly; dividend period calendar month; additional deposits not allowed; withdrawals allowed with penalty; renewable automatic
Rate History
No change since Sep 17, 2026 · 2.63% APY · checked 7 times
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 W Macarthur St, Shawnee, OK 74804 2026
Certificate of Deposit Account - 2 Years
$500
2.63%
▼ 0.41% below Oklahoma avg
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.41% below avgNationally 2.88%
Details
Fixed APR/APY; Dividends compounding monthly and credited monthly; Dividend period: calendar month; Additional deposits not allowed; Withdrawals allowed with penalty; Renewable: automatic
Rate History
No change since Sep 12, 2026 · 2.63% APY · checked 8 times
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month CD
$0
4.50%
▲ 1.46% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.46% 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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Certificate Special
$1,000
4.20%
▲ 1.16% above Oklahoma avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.16% above avgNationally 2.88%
Details
CD Specials; Available for IRAs-Penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.20% APY
Community Bank Bristow, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
24 Month Certificate of deposit
$1,000
4.20%
▲ 1.16% above Oklahoma avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month CD
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
24 Month IRA
$0
4.15%
▲ 1.11% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$1,000
4.06%
▲ 1.02% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.02% above avgNationally 2.88%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
24 Month Business CD
$1,000
4.05%
▲ 1.01% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Early withdrawal: 6 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 24 month
$1,000
4.05%
▲ 1.01% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month IRA
$0
4.02%
▲ 0.98% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24-month CD
$0
4.00%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1,000; APY accurate as of October 9, 2026; early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificates
$200,000
4.00%
▲ 0.96% above Oklahoma avg
▼
Rate3.94%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 26, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month Certificate
$0
3.97%
▲ 0.93% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 6 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
IRA / 24 Month Certificate
$0
3.97%
▲ 0.93% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$1,000
3.96%
▲ 0.92% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
24 Month CD
$1,000
3.96%
▲ 0.92% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month Jumbo CD
$100,000
3.95%
▲ 0.91% above Oklahoma avg
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.91% above avgNationally 2.88%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.95% APY
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month Certificate (2 Year)
$0
3.92%
▲ 0.88% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 2 Year JUMBO
$100,000
3.90%
▲ 0.86% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.86% above avgNationally 2.88%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificates (CD) - 2 Year JUMBO
$100,000
3.90%
▲ 0.86% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.86% above avgNationally 2.88%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 13, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89%
▲ 0.85% above Oklahoma avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
- Oct 1, 20263.89%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
24 Month Certificate of Deposit
$1,000
3.85%
▲ 0.81% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.81% above avgNationally 2.88%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 24 Months
$500
3.82%
▲ 0.78% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.78% above avgNationally 2.88%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Certificate
$2,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Certificates
$50,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Roth IRA Certificates
$1,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
- Sep 26, 20263.80%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month Traditional IRA Certificates
$1,000
3.80%
▲ 0.76% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.76% above avgNationally 2.88%
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%
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78%
▲ 0.74% above Oklahoma avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.74% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
- Oct 1, 20263.78%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates
$0
3.76%
▲ 0.72% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.72% above avgNationally 2.88%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.66% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.66% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month CD
$1,000
3.70%
▲ 0.66% above Oklahoma avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.66% above avgNationally 2.88%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 8, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 14, 20263.70%▲ from 3.35%
- Sep 8, 20263.35%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
2 Year Regular, IRA & Business Certificates
$0
3.68%
▲ 0.64% above Oklahoma avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
- Oct 1, 20263.68%▲ from 3.39%
- Sep 18, 20263.39%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.62% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.62% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
24-month Jumbo Boost Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
24-month Jumbo Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
24-month Jumbo IRA Certificate
$100,000
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 5, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Month Share Certificates
$0
3.65%
▲ 0.61% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.61% above avgNationally 2.88%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24 Month Certificate of Deposit
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
24 Month Share Certificate Account
$0
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 2 Year
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
Shawnee 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%
3923 N Harrison St, Shawnee, OK 74804
36 Month Term Share (Certificate) / IRA
$0
4.31%
▲ 1.34% above Oklahoma avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.34% above avgNationally 2.81%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
36 Month Term Share (Certificate) / IRA
$0
4.20%
▲ 1.23% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.23% above avgNationally 2.81%
Details
Balance: $50,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
36 Month Term Share (Certificate) / IRA
$0
4.10%
▲ 1.13% above Oklahoma avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.13% above avgNationally 2.81%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
36 Month Term Share (Certificate) / IRA
$0
3.89%
▲ 0.92% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.92% above avgNationally 2.81%
Details
Balance: $10,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
36 Month Term Share (Certificate) / IRA
$0
3.74%
▲ 0.77% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.77% above avgNationally 2.81%
Details
Balance: $1,000 minimum; 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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2320 N Harrison St, Shawnee, OK 74804
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.53% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
3 Year IRA/Share Certificate
$1,000
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
FIXED RATE: Non-Compounding - 36 months
$500
3.04%
▲ 0.07% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.04% APY · checked 2 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificates of Deposit (CDs) - 36 month
$1,000
4.25%
▲ 1.28% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 1.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month IRA
$0
4.25%
▲ 1.28% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 1.28% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.27% above Oklahoma avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.27% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
- Oct 1, 20264.24%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.18% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.18% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
36 Month CD
$0
4.15%
▲ 1.18% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 1.18% above avgNationally 2.81%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14%
▲ 1.17% above Oklahoma avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.17% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
- Oct 1, 20264.14%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.13% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.13% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$200,000
4.10%
▲ 1.13% above Oklahoma avg
▼
Rate4.04%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 1.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 26, 20264.10%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$1,000
4.06%
▲ 1.09% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 1.09% above avgNationally 2.81%
Details
Balance: $100,000 & Over
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 5 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Certificates
$0
4.03%
▲ 1.06% above Oklahoma avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.06% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
- Oct 1, 20264.03%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month IRA
$0
4.02%
▲ 1.05% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 1.05% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
- Sep 29, 20264.02%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$1,000
3.96%
▲ 0.99% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.99% above avgNationally 2.81%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 5 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Certificate (3 Year)
$0
3.92%
▲ 0.95% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.95% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
- Sep 29, 20263.92%▲ from 3.76%
- Sep 14, 20263.76%first recorded
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 3 Year JUMBO
$100,000
3.90%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.81%
Details
JUMBO CD; minimum $100,000 deposit; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.90% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificates (CD) - 3 Year JUMBO
$100,000
3.90%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.81%
Details
JUMBO CD; $100,000 minimum deposit; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 13, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$50,000
3.90%
▲ 0.93% above Oklahoma avg
▼
Rate3.84%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Roth IRA Certificates
$1,000
3.90%
▲ 0.93% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Traditional IRA Certificates
$1,000
3.90%
▲ 0.93% above Oklahoma avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Sep 26, 20263.90%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
36 Month Escalator CD
$1,000
3.85%
▲ 0.88% above Oklahoma avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.88% above avgNationally 2.81%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Accounts and IRA Certificates - 36 Month
$0
3.85%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.85% ▲ 0.60 pts · high 3.85% / low 3.25%
- Oct 9, 20263.85%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 36 Months
$500
3.82%
▲ 0.85% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.85% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Certificate
$2,000
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.81%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
36 Month CD
$1,000
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
36 Month Share Certificate Account
$0
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.81%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates
$0
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.81%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month IRA Plus Certificates
$0
3.75%
▲ 0.78% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.78% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates Plus
$0
3.75%
▲ 0.78% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.78% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificates
$0
3.70%
▲ 0.73% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.73% above avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month Certificates
$1,000
3.70%
▲ 0.73% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.73% 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
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
CD's - 3 Year
$1,000
3.60%
▲ 0.63% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.63% above avgNationally 2.81%
Details
Minimum $1000 deposit required; penalty for early withdrawal may be imposed
Rate History
No change since Oct 13, 2026 · 3.60% APY
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Share Certificates (CD) - 3 Year
$1,000
3.60%
▲ 0.63% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.63% above avgNationally 2.81%
Details
Regular CD; $1000.00 minimum; early withdrawal penalty no less than 120 days dividends; Rates as of July 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.60% ▲ 0.60 pts · high 3.60% / low 3.00%
- Oct 13, 20263.60%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
36 Month Share Certificate Account
$0
3.55%
▲ 0.58% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.81%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Share Certificates
$0
3.55%
▲ 0.58% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.81%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Month CD 36
$1,000
3.55%
▲ 0.58% above Oklahoma avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.53% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$0
3.40%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.65%
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$0
3.40%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.65%
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
- Oct 7, 20263.40%▼ from 3.50%
- Oct 2, 20263.50%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 Month IRA Fixed
$250
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
IRA; Penalty with early withdrawal of IRA
Rate History
1 change since Sep 8, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
- Oct 7, 20263.40%▲ from 3.20%
- Sep 8, 20263.20%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 36 Month IRA Fixed
$250
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Penalty with early withdrawal of IRA; Rates effective 10/5/2026
Rate History
1 change since Sep 8, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
- Oct 7, 20263.40%▲ from 3.20%
- Sep 8, 20263.20%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business Certificate of Deposit - 36 Month
$1,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.40% ▲ 0.35 pts · high 3.40% / low 3.05%
- Oct 14, 20263.40%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month CD
$1,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 8, 2026 · 2.50% → 3.40% ▲ 0.90 pts · high 3.40% / low 2.50%
- Oct 14, 20263.40%▲ from 2.50%
- Sep 8, 20262.50%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month Jumbo CD
$100,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.40% APY
Shawnee 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
48 Month Term Share (Certificate) / IRA
$0
4.36%
▲ 1.42% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.42% above avgNationally 2.80%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
48 Month Term Share (Certificate) / IRA
$0
4.26%
▲ 1.32% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.32% above avgNationally 2.80%
Details
Balance: $50,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
48 Month Term Share (Certificate) / IRA
$0
4.15%
▲ 1.21% above Oklahoma avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.21% above avgNationally 2.80%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
48 Month Term Share (Certificate) / IRA
$0
3.94%
▲ 1.00% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.00% above avgNationally 2.80%
Details
Balance: $10,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
48 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.85% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.85% above avgNationally 2.80%
Details
Balance: $1,000 minimum; 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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
4 Year IRA/Share Certificate
$1,000
3.10%
▲ 0.16% above Oklahoma avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.16% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 4 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
FIXED RATE: Non-Compounding - 48 months
$500
3.04%
▲ 0.10% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.10% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.04% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2320 N Harrison St, Shawnee, OK 74804
48 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.19% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▼ 0.19% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.53% above Oklahoma avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.53% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- Oct 1, 20264.47%▲ from 4.12%
- Sep 18, 20264.12%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.42% above Oklahoma avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.42% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- Oct 1, 20264.36%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.32% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 1.32% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- Oct 1, 20264.26%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★Texas Ratio: 18.17%
48 Month CD
$0
4.15%
▲ 1.21% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 1.21% above avgNationally 2.80%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$200,000
4.15%
▲ 1.21% above Oklahoma avg
▼
Rate4.09%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 1.21% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
- Sep 26, 20264.15%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$1,000
4.06%
▲ 1.12% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 1.12% above avgNationally 2.80%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month IRA
$0
4.02%
▲ 1.08% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 1.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Sep 29, 20264.02%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
48 Month Certificate of Deposit
$1,000
3.96%
▲ 1.02% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 1.02% above avgNationally 2.80%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$50,000
3.95%
▲ 1.01% above Oklahoma avg
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 1.01% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Roth IRA Certificates
$1,000
3.95%
▲ 1.01% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 1.01% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Traditional IRA Certificates
$1,000
3.95%
▲ 1.01% above Oklahoma avg
▼
Rate3.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 1.01% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Sep 26, 20263.95%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month Certificate (4 Year)
$0
3.92%
▲ 0.98% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.98% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
- Sep 29, 20263.92%▲ from 3.72%
- Sep 14, 20263.72%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Accounts and IRA Certificates - 48 Month
$0
3.90%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 0.96% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
- Oct 9, 20263.90%▲ from 3.25%
- Sep 14, 20263.25%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA Plus Certificates
$0
3.85%
▲ 0.91% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.91% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates Plus
$0
3.85%
▲ 0.91% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.91% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates
$0
3.85%
▲ 0.91% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.91% above avgNationally 2.80%
Details
Balance: $100,000 and Over
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 48 Months
$500
3.82%
▲ 0.88% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.88% above avgNationally 2.80%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Certificate
$2,000
3.80%
▲ 0.86% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 0.86% above avgNationally 2.80%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
48 Month Share Certificate Account
$0
3.80%
▲ 0.86% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.86% above avgNationally 2.80%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificates
$0
3.75%
▲ 0.81% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.81% above avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Certificates
$1,000
3.75%
▲ 0.81% above Oklahoma avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.94%▲ 0.81% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30%
- Sep 26, 20263.75%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
48 Month CD
$1,000
3.70%
▲ 0.76% above Oklahoma avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.76% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.65%
▲ 0.71% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.71% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.65%
▲ 0.71% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.71% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates
$0
3.65%
▲ 0.71% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.71% above avgNationally 2.80%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
48 Month Jumbo CD
$100,000
3.55%
▲ 0.61% above Oklahoma avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.61% above avgNationally 2.80%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
48 Month Share Certificate Account
$0
3.55%
▲ 0.61% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.61% above avgNationally 2.80%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.50%
▲ 0.56% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.50%
▲ 0.56% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.56% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
48 month Jumbo Certificate & IRA
$95,000
3.50%
▲ 0.56% above Oklahoma avg
▼
Rate3.45%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.56% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.56% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
48-month Jumbo IRA Certificate
$100,000
3.50%
▲ 0.56% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.56% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
48 month Certificate & IRA
$1,000
3.45%
▲ 0.51% above Oklahoma avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▲ 0.51% above avgNationally 2.80%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$100,000
3.40%
▲ 0.46% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 0.46% above avgNationally 2.80%
Details
Balance: $100,000 - <$250,000; APY range: 3.40 / 3.45 APY
Rate History
2 changes since Sep 11, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 24, 20263.45%▲ from 3.40%
- Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$10,000
3.35%
▲ 0.41% above Oklahoma avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 0.41% above avgNationally 2.80%
Details
Balance: $10,000 - <$25,000; APY range: 3.35 / 3.40 APY
Rate History
2 changes since Sep 11, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.40% / low 3.35%
- Oct 7, 20263.35%▼ from 3.40%
- Sep 24, 20263.40%▲ from 3.35%
- Sep 11, 20263.35%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
48 Month CD
$1,000
3.30%
▲ 0.36% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.36% above avgNationally 2.80%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 8, 2026 · 2.40% → 3.30% ▲ 0.90 pts · high 3.30% / low 2.40%
- Oct 14, 20263.30%▲ from 2.40%
- Sep 8, 20262.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month CD
$1,500
3.30%
▲ 0.36% above Oklahoma avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▲ 0.36% above avgNationally 2.80%
Details
Balance: $1,500 - <$10,000; APY range: 3.30 / 3.35 APY
Rate History
2 changes since Sep 11, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.35% / low 3.30%
- Oct 7, 20263.30%▼ from 3.35%
- Sep 24, 20263.35%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25%
▲ 0.31% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
CD Term (Minimum Balance $500)
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 2, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25%
▲ 0.31% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
48 Month Business CD
$1,000
3.25%
▲ 0.31% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
Early withdrawal: 6 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 3.25% APY
Shawnee 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3923 N Harrison St, Shawnee, OK 74804
60 Month Term Share (Certificate) / IRA
$0
4.40%
▲ 1.43% above Oklahoma avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.43% above avgNationally 2.91%
Details
Balance: $99,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
60 Month Term Share (Certificate) / IRA
$0
4.30%
▲ 1.33% above Oklahoma avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.33% above avgNationally 2.91%
Details
Balance: $50,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
60 Month Term Share (Certificate) / IRA
$0
4.19%
▲ 1.22% above Oklahoma avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.22% above avgNationally 2.91%
Details
Balance: $25,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
60 Month Term Share (Certificate) / IRA
$0
3.99%
▲ 1.02% above Oklahoma avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.02% above avgNationally 2.91%
Details
Balance: $10,000 minimum; 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%
3923 N Harrison St, Shawnee, OK 74804
60 Month Term Share (Certificate) / IRA
$0
3.83%
▲ 0.86% above Oklahoma avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.86% above avgNationally 2.91%
Details
Balance: $1,000 minimum; 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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
4501 N Kickapoo Ave, Shawnee, OK 74804 1214
5 Year IRA/Share Certificate
$1,000
3.10%
▲ 0.13% above Oklahoma avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.13% above avgNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 4 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
FIXED RATE: Non-Compounding - 60 months
$500
3.04%
▲ 0.07% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.07% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.04% APY · checked 2 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
196 Shawnee Mall Dr, Shawnee, OK 74804
60 months and longer
$500
3.00%
▲ 0.03% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.03% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2320 N Harrison St, Shawnee, OK 74804
60 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.22% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▼ 0.22% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.90% above Oklahoma avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.90% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- Oct 1, 20264.87%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.79% above Oklahoma avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.79% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- Oct 1, 20264.76%▲ from 4.39%
- Sep 18, 20264.39%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.69% above Oklahoma avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 1.69% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$1,000
4.06%
▲ 1.09% above Oklahoma avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 1.09% above avgNationally 2.91%
Details
Balance: $25,000-$99,999
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Roth IRA Certificates
$1,000
4.05%
▲ 1.08% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 1.08% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Traditional IRA Certificates
$1,000
4.05%
▲ 1.08% above Oklahoma avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 1.08% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 26, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month IRA
$0
4.02%
▲ 1.05% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 1.05% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Sep 29, 20264.02%▲ from 3.76%
- Sep 14, 20263.76%first recorded
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month IRA Plus Certificates
$0
4.01%
▲ 1.04% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 1.04% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates Plus
$0
4.01%
▲ 1.04% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 1.04% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Monthly Distributed Dividend Certificates available
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Certificate Accounts and IRA Certificates - 60 Month
$0
4.00%
▲ 1.03% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 9, 20264.00%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 13.73%
60 Month Certificate of Deposit
$1,000
3.96%
▲ 0.99% above Oklahoma avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.99% above avgNationally 2.91%
Details
Balance: $1,000-$24,999
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
Red River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month Certificate (5 Year)
$0
3.92%
▲ 0.95% above Oklahoma avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.95% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Sep 29, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.90%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.91%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 4.15%
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.90%
▲ 0.93% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.93% above avgNationally 2.91%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 4.15%
Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
- Oct 7, 20263.90%▼ from 4.00%
- Oct 2, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.88% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.88% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 60 Months
$500
3.82%
▲ 0.85% above Oklahoma avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.85% above avgNationally 2.91%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500
Rate History
No change since Oct 12, 2026 · 3.82% APY
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 Month Certificate
$2,000
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.91%
Details
Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed annual percentage yield. APY on CDs assumes interest is compounded quarterly and stays on deposit until maturity. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal from a Certificate of Deposit.
Rate History
1 change since Sep 11, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 7, 20263.80%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
60 Month Share Certificate Account
$0
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.91%
Details
Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Share Certificates
$0
3.80%
▲ 0.83% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.83% above avgNationally 2.91%
Details
Quarterly Posted Dividend Certificates; Compound Dividend Rate
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.75%
▲ 0.78% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.78% above avgNationally 2.91%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 4.00%
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.75%
▲ 0.78% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.78% above avgNationally 2.91%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 4.00%
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
Security Bank and Trust Company
Institution Rating:
B+4.8 ★Texas Ratio: 17.45%
60 Month CD
$1,000
3.65%
▲ 0.68% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.68% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
5 year CD
$500
3.65%
▲ 0.68% above Oklahoma avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.68% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★Texas Ratio: 8.51%
5 year SCA
$500
3.65%
▲ 0.68% above Oklahoma avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▲ 0.68% above avgNationally 2.91%
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
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.63% above Oklahoma avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.63% above avgNationally 2.91%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month Jumbo IRA Certificate
$100,000
3.60%
▲ 0.63% above Oklahoma avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.63% above avgNationally 2.91%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60 Month Jumbo CD
$100,000
3.55%
▲ 0.58% above Oklahoma avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.91%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
60 Month Share Certificate Account
$0
3.55%
▲ 0.58% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.91%
Details
Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine)
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.53% above Oklahoma avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.53% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$100,000
3.45%
▲ 0.48% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.48% above avgNationally 2.91%
Details
Balance: $100,000 - <$250,000; APY range: 3.45 / 3.51 APY
Rate History
2 changes since Sep 11, 2026 · 3.45% → 3.45% ▼ 0.00 pts · high 3.51% / low 3.45%
- Oct 7, 20263.45%▼ from 3.51%
- Sep 24, 20263.51%▲ from 3.45%
- Sep 11, 20263.45%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$10,000
3.40%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.91%
Details
Balance: $10,000 - <$25,000; APY range: 3.40 / 3.45 APY
Rate History
2 changes since Sep 11, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 24, 20263.45%▲ from 3.40%
- Sep 11, 20263.40%first recorded
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month CD
$1,500
3.35%
▲ 0.38% above Oklahoma avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▲ 0.38% above avgNationally 2.91%
Details
Balance: $1,500 - <$10,000; APY range: 3.35 / 3.40 APY
Rate History
2 changes since Sep 11, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.40% / low 3.35%
- Oct 7, 20263.35%▼ from 3.40%
- Sep 24, 20263.40%▲ from 3.35%
- Sep 11, 20263.35%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60 Month CD
$1,000
3.30%
▲ 0.33% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.33% above avgNationally 2.91%
Details
Available for IRAs; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 8, 2026 · 2.75% → 3.30% ▲ 0.55 pts · high 3.30% / low 2.75%
- Oct 14, 20263.30%▲ from 2.75%
- Sep 8, 20262.75%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month Certificate
$1,000
3.30%
▲ 0.33% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.33% above avgNationally 2.91%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
60-month IRA Certificate
$1,000
3.30%
▲ 0.33% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.33% above avgNationally 2.91%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
60 Month Standard Certificate
$500
3.30%
▲ 0.33% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.33% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
CD - 60 Month
$1,000
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
Minimum $1,000; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 15, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 2.95%
- Oct 7, 20263.25%▲ from 2.95%
- Sep 24, 20262.95%▼ from 3.25%
- Sep 15, 20263.25%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
IRA Roth and Education - 60 Month
$250
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
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%
60 Month Certificate of Deposit
$0
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
CD Term (Minimum Balance $500)
Rate History
1 change since Sep 14, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 2, 20263.25%▲ from 2.95%
- Sep 14, 20262.95%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 60 months
$0
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Shawnee, OK CD Rate Trends
Compare local Shawnee, 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
3.320%
▲ 0.015 vs 7 days ago
Oklahoma 12-month CD rates rose 0.015 points over the past 7 days to 3.320% APY.
6-Month CD OK Avg
3.250%
▲ 0.027 vs 7 days ago
Oklahoma 6-month CD rates rose 0.027 points over the past 7 days to 3.250% APY.
As of Oct 14, 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
3.320%
6-Month Forecast
3.320%
Range: 3.12%, 3.47%
12-Month Forecast
3.570%
Range: 3.37%, 3.72%
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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 | 2.436% | $121.80 | $243.59 | $608.98 | $1,217.95 |
| 6-Month CD | 3.250% | $162.48 | $324.97 | $812.43 | $1,624.85 |
| 12-Month CD | 3.320% | $165.99 | $331.98 | $829.95 | $1,659.90 |
| 18-Month CD | 3.117% | $155.83 | $311.67 | $779.18 | $1,558.35 |
| 24-Month CD | 3.043% | $152.14 | $304.28 | $760.70 | $1,521.40 |
| 36-Month CD | 2.966% | $148.28 | $296.56 | $741.40 | $1,482.80 |
| 48-Month CD | 2.938% | $146.89 | $293.78 | $734.45 | $1,468.90 |
| 60-Month CD | 2.973% | $148.65 | $297.29 | $743.23 | $1,486.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Shawnee, 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 | 2.436% | $121.80 |
| 2 | 6-Month CD | $5,000 | 3.250% | $162.48 |
| 3 | 12-Month CD | $5,000 | 3.320% | $165.99 |
| 4 | 24-Month CD | $5,000 | 3.043% | $152.14 |
| 5 | 36-Month CD | $5,000 | 2.966% | $148.28 |
| Total ($25,000 invested) | $25,000 | 3.003% blended | $750.69/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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804
CD Rates
Tracked in Shawnee, Oklahoma
Tracked in Shawnee, Oklahoma
45 Banks
41 Credit Unions
About Our Shawnee, Oklahoma CD Rate Database
MonitorBankRates tracks 804 CD rates from 45 banks and 41 credit unions with locations in Shawnee, Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Tinker Federal Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Shawnee, Oklahoma.
How to Find the Best CD Rates in Shawnee, Oklahoma
What to compare when shopping for a CD in Shawnee, Oklahoma
To find the best APYs in Shawnee, Oklahoma, start with credit unions and online-only banks: Shawnee, Oklahoma has 41 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 Shawnee, 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 Shawnee, Oklahoma: 86 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Shawnee, 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 Shawnee, Oklahoma money market rates
Shawnee, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.8%
National avg: 17.3%
Median Individual Earnings
$33,128
National avg: $47,340
Poverty Rate
20.8%
National avg: 11.1%
Unemployment Rate
6.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At OK 12-mo avg 3.320% APY
15.8% of residents are 65 or older, below the national average of 17.3%. At today’s OK 12-month CD average of 3.320%, saving 10% of the local median salary ($3,312/year) and putting it in a CD would earn an additional $110 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 Shawnee, 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 Shawnee, 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 Shawnee, 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 Shawnee, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Shawnee, 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 Shawnee, Oklahoma savers easier access to their funds. For example, Tinker Federal Credit Union is offering its 6 Month Term Share (Certificate) / IRA at 3.96% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tinker Federal Credit Union is offering its 60 Month Term Share (Certificate) / IRA at 4.40% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Shawnee, 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 Shawnee, 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 Shawnee, 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 Shawnee, 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 Shawnee, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Shawnee, 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 Shawnee, Oklahoma
Are CD rates in Shawnee, Oklahoma FDIC insured?
Yes, most established banks in Shawnee, 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 Shawnee, 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 Shawnee, 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 Shawnee, 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 Shawnee, Oklahoma?
Here are recent top rates found for this area:
- Tinker Federal Credit Union: 4.40% APY (60 Month Term Share (Certificate) / IRA)
- Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
- Communication Federal Credit Union: 4.35% APY (18 Month IRA/Share Certificate)
- City National B&T Co. of Lawton, OK: 3.30% APY (FIXED RATE: Non-Compounding - 18 months)
- Bison Federal Credit Union: 3.14% APY (1 Year IRA Certificate Account)
- Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
- The Community State Bank: 4.55% APY (6 Month CD)
- MapleMark Bank: 4.50% APY (18 Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
Rates reflect recent verified offers available in Shawnee, Oklahoma. Last Updated: October 14, 2026
Shawnee, 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 Shawnee, 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 Shawnee, Oklahoma
Shawnee, Oklahoma CD Calculator
At today’s OK top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Shawnee, Oklahoma CD LadderOK CD rates currently range from 2.436% (3-month) to 2.966% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Shawnee, Oklahoma CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 3.320% 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 Shawnee, 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 Shawnee, 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 Shawnee, 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 14, 2026
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