Tulsa, Oklahoma Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Tulsa, Oklahoma CD rates range from 0.05% to 4.87% APY, verified by MonitorBankRates as of October 14, 2026. Current Tulsa, Oklahoma CD rates include MapleMark BankMapleMark Bank2431 E 61st St, Tulsa, OK 74136A+5.0 ★Texas Ratio: 4.88%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month CD at 4.40% APY, Tinker Federal Credit UnionTinker Federal Credit Union8920 E 61st St, Tulsa, OK 74133A+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 Bank9139 S Yale Ave, Tulsa, OK 74137A+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 Union108 E 8th St, Tulsa, OK 74119 1604A5.0 ★Texas Ratio: 6.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month IRA/Share Certificate at 4.35% APY, and First Pryority BankFirst Pryority Bank10632 S Memorial Dr, Tulsa, OK 74133A-5.0 ★Texas Ratio: 14.96%Real return: +1.45%APY minus CPI (February 2026) offering Certificates of Deposit (CDs) - 36 month at 4.25% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Tulsa has 386 local institutions in our database, with CD rates as high as 4.40% APY from MapleMark Bank at 2431 E 61st St, Tulsa, OK 74136. 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 Tulsa, Oklahoma & the Surrounding Area
Tulsa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
9292 S Delaware Ave, Tulsa, OK 74137
3-Month CD
$1,000
4.00%
▲ 1.56% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 1.56% above avgNationally 2.09%
Details
Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
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%
1437 S Boulder Ave, Tulsa, OK 74119
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.41% above Oklahoma avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average2.44%▲ 1.41% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
3 Month Certificate
$500
3.50%
▲ 1.06% above Oklahoma avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average2.44%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
220 W 7th St, Tulsa, OK 74119
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.44%▲ 0.97% above avgNationally 2.09%
Details
Balance: $99,000 and over
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 4 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
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
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
4200 E Skelly Dr, Tulsa, OK 74135
3-Month CD
$1,000
3.40%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 0.96% above avgNationally 2.09%
Details
Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.44%▲ 0.86% above avgNationally 2.09%
Details
Balance: $50,000 - $98,999.99
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average2.44%▲ 0.81% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.44%▲ 0.76% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.44%▲ 0.66% above avgNationally 2.09%
Details
Balance: $10,000 - $24,999.99
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 4 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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%
110 N Elgin Ave, Tulsa, OK 74120
3 Month CD
$1,000
3.00%
▲ 0.56% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 0.56% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.44%▲ 0.50% above avgNationally 2.09%
Details
IRA ONLY; Balance: $500 - $999.99
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 6 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
445 S Lewis Ave, Tulsa, OK 74104
3 Month CD
$1,000
2.75%
▲ 0.31% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 0.31% above avgNationally 2.09%
Details
Rate History
1 change since Sep 8, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25%
- Oct 7, 20262.75%▲ from 2.25%
- Sep 8, 20262.25%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 3 Month CD
$1,000
2.75%
▲ 0.31% above Oklahoma avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 0.31% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
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
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 3 Month
$1,000
1.13%
▼ 1.31% below Oklahoma avg
▼
Rate1.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▼ 1.31% below avgNationally 2.09%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 1.13% APY · checked 7 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
91-Days (3-Month) CD
$2,500
1.12%
▼ 1.32% below Oklahoma avg
▼
Rate1.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▼ 1.32% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 1.12% APY · checked 2 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share Certificates - 3 Month
$1,000
1.00%
▼ 1.44% below Oklahoma avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.44%▼ 1.44% below avgNationally 2.09%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 2 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
90 Day Certificate
$0
0.50%
▼ 1.94% below Oklahoma avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▼ 1.94% below avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 5 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
90 Day Certificate
$0
0.40%
▼ 2.04% below Oklahoma avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.44%▼ 2.04% below avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 5 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
3 Month Certificate
$1,000
0.10%
▼ 2.34% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▼ 2.34% below avgNationally 2.09%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 8 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
90 Day Certificate
$0
0.06%
▼ 2.38% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▼ 2.38% below avgNationally 2.09%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.39% below Oklahoma avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▼ 2.39% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
3 Month Standard CD
$1,000
0.05%
▼ 2.39% below Oklahoma avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.44%▼ 2.39% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
First Security B&T Co.
Institution Rating:
F1.0 ★Texas Ratio: 111.10%
90 Day CD
$1,000
4.15%
▲ 1.71% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Oklahoma Average2.44%▲ 1.71% above avgNationally 2.09%
Details
APY accurate as of 10/01/26 - 11/20/26. Minimum $1,000.00 to open and obtain the APY. Early withdrawal penalty may apply.
Rate History
No change since Oct 2, 2026 · 4.15% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.56% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 1.56% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.56% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.44%▲ 1.56% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
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
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
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
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
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
Tulsa 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
6 Month Certificate
$1,000
4.05%
▲ 0.80% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.80% above avgNationally 2.77%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.25%▲ 0.71% above avgNationally 2.77%
Details
Balance: $99,000 and over
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.25%▲ 0.60% above avgNationally 2.77%
Details
Balance: $50,000 - $98,999.99
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
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
9139 S Yale Ave, Tulsa, OK 74137
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
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%
1320 S Lewis Ave, Tulsa, OK 74104 4205
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.25%▲ 0.50% above avgNationally 2.77%
Details
Balance: $25,000 - $49,999.99
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
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
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
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1500 S Utica Ave, Tulsa, OK 74104
6-month CD
$0
3.65%
▲ 0.40% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Minimum balance to open: $50,000 - $250,000 New Money
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average3.25%▲ 0.40% above avgNationally 2.77%
Details
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 2, 20263.65%▲ from 3.60%
- Sep 24, 20263.60%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
6 Month Certificate
$500
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 7, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
4106 S Rockford Ave, Tulsa, OK 74105
6-month CD
$0
3.60%
▲ 0.35% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
No change since Sep 8, 2026 · 3.60% APY · checked 8 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$200,000
3.60%
▲ 0.35% above Oklahoma avg
▼
Rate3.55%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.35% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
- Sep 26, 20263.60%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
6 Month CD
$20,000
3.56%
▲ 0.31% above Oklahoma avg
▼
Rate3.50%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.31% above avgNationally 2.77%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Oct 12, 20263.56%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.25%▲ 0.29% above avgNationally 2.77%
Details
Balance: $10,000 - $24,999.99
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%
108 E 8th St, Tulsa, OK 74119 1604
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
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
4200 E Skelly Dr, Tulsa, OK 74135
6-Month CD
$1,000
3.40%
▲ 0.15% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.15% above avgNationally 2.77%
Details
Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month Jumbo CD
$100,000
3.40%
▲ 0.15% above Oklahoma avg
▼
Rate3.34%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▲ 0.15% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$50,000
3.40%
▲ 0.15% above Oklahoma avg
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▲ 0.15% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 26, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.25%▲ 0.14% above avgNationally 2.77%
Details
IRA ONLY; Balance: $500 - $999.99
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
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
6 Month CD
$500
3.30%
▲ 0.05% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.05% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
6 Month Share Certificate Account
$0
3.29%
▲ 0.04% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▲ 0.04% above avgNationally 2.77%
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 · 3.29% APY · checked 2 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
220 W 7th St, Tulsa, OK 74119
6 Month Share Certificate
$1,000
3.25%
At Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%At the averageNationally 2.77%
Details
APY $500: N/A; APY $1,000+: 3.25%; APY $100,000+: 3.35%
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
6 Month Certificate
$0
3.25%
At Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%At the averageNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
6 Month Certificate
$1,000
3.25%
At Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%At the averageNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
6 Month Certificates
$1,000
3.20%
▼ 0.05% below Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▼ 0.05% below avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 2.95% → 3.20% ▲ 0.25 pts · high 3.20% / low 2.95%
- Sep 26, 20263.20%▲ from 2.95%
- Sep 18, 20262.95%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
6 Month CD
$1,000
3.15%
▼ 0.10% below Oklahoma avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 0.10% below avgNationally 2.77%
Details
Rate History
1 change since Sep 19, 2026 · 3.10% → 3.15% ▲ 0.05 pts · high 3.15% / low 3.10%
- Oct 2, 20263.15%▲ from 3.10%
- Sep 19, 20263.10%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
6 Month Share Certificate Account
$0
3.03%
▼ 0.22% below Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 0.22% below avgNationally 2.77%
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 · 3.03% APY · checked 5 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
6 Month CD
$1,000
3.00%
▼ 0.25% below Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 0.25% below avgNationally 2.77%
Details
Rate History
1 change since Sep 8, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 7, 20263.00%▲ from 2.50%
- Sep 8, 20262.50%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 6 Month CD
$1,000
3.00%
▼ 0.25% below Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 0.25% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
6 month Jumbo Certificate
$95,000
3.00%
▼ 0.25% below Oklahoma avg
▼
Rate2.96%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 0.25% below avgNationally 2.77%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
6 Month Standard Certificate
$2,500
3.00%
▼ 0.25% below Oklahoma avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▼ 0.25% below avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
Standard Certificate - 6 Mo.
$2,500
3.00%
▼ 0.25% below Oklahoma avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.25%▼ 0.25% below avgNationally 2.77%
Details
Standard Certificate Rates; Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.00% APY
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
6 month Certificate
$1,000
2.95%
▼ 0.30% below Oklahoma avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 0.30% below avgNationally 2.77%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 2.95% APY · checked 2 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
182-Day (6-Month) CD
$2,500
2.13%
▼ 1.12% below Oklahoma avg
▼
Rate2.11%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▼ 1.12% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 2.13% APY · checked 2 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 182-Days (6-Months)
$0
2.13%
▼ 1.12% below Oklahoma avg
▼
Rate2.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▼ 1.12% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 2.13% APY · checked 2 times
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
9200 E 41st St, Tulsa, OK 74145
6 Month Term Share Certificates
$0
2.12%
▼ 1.13% below Oklahoma avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.25%▼ 1.13% below avgNationally 2.77%
Details
Balance of $500-$94,999
Rate History
No change since Sep 18, 2026 · 2.12% APY · checked 4 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
180 Day Certificate
$0
1.76%
▼ 1.49% below Oklahoma avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▼ 1.49% below avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 1.76% APY · checked 5 times
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
10832 E 31st St, Tulsa, OK 74146
6-Month Certificate
$10,000
1.76%
▼ 1.49% below Oklahoma avg
▼
Rate1.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.25%▼ 1.49% below avgNationally 2.77%
Details
Promotional rate (*); Deposit Rate Ranges as of 09/05/2025
Rate History
No change since Sep 12, 2026 · 1.76% APY · checked 6 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 6 Month
$1,000
1.54%
▼ 1.71% below Oklahoma avg
▼
Rate1.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▼ 1.71% below avgNationally 2.77%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 1.54% APY · checked 7 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
180 Day Certificate
$0
1.50%
▼ 1.75% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 1.75% below avgNationally 2.77%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
IRA CD - 6 Months
$0
1.50%
▼ 1.75% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 1.75% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share Certificates - 6 Month
$1,000
1.41%
▼ 1.84% below Oklahoma avg
▼
Rate1.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.25%▼ 1.84% below avgNationally 2.77%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 2 times
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
6 Month Certificate
$0
0.80%
▼ 2.45% below Oklahoma avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.25%▼ 2.45% below avgNationally 2.77%
Details
Rate History
No change since Sep 7, 2026 · 0.80% APY · checked 7 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
180 Day Certificate
$0
0.75%
▼ 2.50% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.25%▼ 2.50% below avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 5 times
Tulsa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
12 Month CD
$0
4.30%
▲ 0.98% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 24, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
9139 S Yale Ave, Tulsa, OK 74137
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
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1400 S Boston Ave, Tulsa, OK 74119 3612
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%
1400 S Boston Ave, Tulsa, OK 74119 3612
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.32%▲ 0.79% above avgNationally 2.99%
Details
Balance: $99,000 and over
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
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
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
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
12 Month Certificate
$1,000
4.05%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.73% above avgNationally 2.99%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.32%▲ 0.69% above avgNationally 2.99%
Details
Balance: $50,000 - $98,999.99
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
Balance: $25,000 - $49,999.99
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average3.32%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 2, 20263.90%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
12 Month Certificate
$500
3.85%
▲ 0.53% above Oklahoma avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.53% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
- Oct 7, 20263.85%▲ from 3.30%
- Sep 14, 20263.30%first recorded
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
4106 S Rockford Ave, Tulsa, OK 74105
12-month CD
$0
3.75%
▲ 0.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo Certificate
$100,000
3.75%
▲ 0.43% above Oklahoma avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Jumbo IRA Certificate
$100,000
3.75%
▲ 0.43% above Oklahoma avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.43% above avgNationally 2.99%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
12 Month CD
$75,000
3.72%
▲ 0.40% above Oklahoma avg
▼
Rate3.65%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.40% above avgNationally 2.99%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 3.20% → 3.72% ▲ 0.52 pts · high 3.72% / low 3.20%
- Oct 12, 20263.72%▲ from 3.20%
- Sep 25, 20263.20%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.32%▲ 0.38% above avgNationally 2.99%
Details
Balance: $10,000 - $24,999.99
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month Jumbo CD
$100,000
3.65%
▲ 0.33% above Oklahoma avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.33% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
12 Month Certificates
$50,000
3.65%
▲ 0.33% above Oklahoma avg
▼
Rate3.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.33% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
12 Month Roth IRA Certificates
$1,000
3.65%
▲ 0.33% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.33% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
12 Month Traditional IRA Certificates
$1,000
3.65%
▲ 0.33% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.33% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 26, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates - 12 Months
$0
3.56%
▲ 0.24% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.24% above avgNationally 2.99%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.56% APY
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
Certificates of Deposit (CDs) - 12 month
$1,000
3.55%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▲ 0.23% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
12 Month Share Certificate Account
$0
3.55%
▲ 0.23% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.23% above avgNationally 2.99%
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 · 3.55% APY · checked 2 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.32%▲ 0.22% above avgNationally 2.99%
Details
IRA ONLY; Balance: $500 - $999.99
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
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
12-month Certificate
$1,000
3.50%
▲ 0.18% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.18% above avgNationally 2.99%
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%
9323 E 21st St, Tulsa, OK 74129 1400
12-month IRA Certificate
$1,000
3.50%
▲ 0.18% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▲ 0.18% above avgNationally 2.99%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
12 Month CD
$20,000
3.46%
▲ 0.14% above Oklahoma avg
▼
Rate3.40%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▲ 0.14% above avgNationally 2.99%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 3.20% → 3.46% ▲ 0.26 pts · high 3.46% / low 3.20%
- Oct 12, 20263.46%▲ from 3.20%
- Sep 25, 20263.20%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
12 Month Certificates
$1,000
3.45%
▲ 0.13% above Oklahoma avg
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▲ 0.13% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.45% ▲ 0.45 pts · high 3.45% / low 3.00%
- Sep 26, 20263.45%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
12 Month CD
$1,000
3.40%
▲ 0.08% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▲ 0.08% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
- Oct 2, 20263.40%▲ from 3.25%
- Sep 19, 20263.25%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
12 Month Share Certificate Account
$0
3.29%
▼ 0.03% below Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.03% below avgNationally 2.99%
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 · 3.29% APY · checked 5 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
220 W 7th St, Tulsa, OK 74119
12 Month Share Certificate
$500
3.25%
▼ 0.07% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.07% below avgNationally 2.99%
Details
APY $500: 3.25%; APY $1,000+: 3.25%; APY $100,000+: 3.35%
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
12 Month CD
$500
3.20%
▼ 0.12% below Oklahoma avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.12% below avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
12 Month CD
$1,000
3.10%
▼ 0.22% below Oklahoma avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▼ 0.22% below avgNationally 2.99%
Details
Rate History
1 change since Sep 8, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Oct 7, 20263.10%▲ from 2.85%
- Sep 8, 20262.85%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 12 Month CD
$1,000
3.10%
▼ 0.22% below Oklahoma avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▼ 0.22% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
12 month Jumbo Certificate
$95,000
3.10%
▼ 0.22% below Oklahoma avg
▼
Rate3.06%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.22% below avgNationally 2.99%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
12 Month Standard Certificate
$500
3.10%
▼ 0.22% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▼ 0.22% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.10% APY
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
Standard Certificate - 12 Mo.
$500
3.10%
▼ 0.22% below Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.32%▼ 0.22% below avgNationally 2.99%
Details
Effective Date: September 9, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
12 month Certificate
$1,000
3.05%
▼ 0.27% below Oklahoma avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 0.27% below avgNationally 2.99%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
12-Month CD
$2,500
2.60%
▼ 0.72% below Oklahoma avg
▼
Rate2.58%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▼ 0.72% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 12-Months
$0
2.60%
▼ 0.72% below Oklahoma avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.32%▼ 0.72% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
IRA 1 Year Certificate
$1,000
2.50%
▼ 0.82% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▼ 0.82% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
1 Year Certificate
$1,000
2.25%
▼ 1.07% below Oklahoma avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.32%▼ 1.07% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 12 Month
$1,000
2.15%
▼ 1.17% below Oklahoma avg
▼
Rate2.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▼ 1.17% below avgNationally 2.99%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share Certificates - 12 Month
$1,000
2.02%
▼ 1.30% below Oklahoma avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.32%▼ 1.30% below avgNationally 2.99%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 2 times
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
10832 E 31st St, Tulsa, OK 74146
1-Year Certificate
$1,000
1.96%
▼ 1.36% below Oklahoma avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.32%▼ 1.36% below avgNationally 2.99%
Details
Promotional rate (*); Deposit Rate Ranges as of 09/05/2025
Rate History
No change since Sep 12, 2026 · 1.96% APY · checked 6 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
1 Year Certificate
$0
1.50%
▼ 1.82% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.32%▼ 1.82% below avgNationally 2.99%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Tulsa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
18 Month CD
$0
4.40%
▲ 1.28% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 1.28% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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%
9139 S Yale Ave, Tulsa, OK 74137
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
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
IRA variable 18-month
$0
4.21%
▲ 1.09% above Oklahoma avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 1.09% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.86% → 4.21% ▲ 0.35 pts · high 4.21% / low 3.86%
- Oct 7, 20264.21%▲ from 3.86%
- Sep 7, 20263.86%first recorded
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
18 Month Certificate
$500
3.85%
▲ 0.73% above Oklahoma avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 14, 20263.05%first recorded
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
4106 S Rockford Ave, Tulsa, OK 74105
18-month CD
$0
3.85%
▲ 0.73% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
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%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
8080 S Yale Ave, Tulsa, OK 74136
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%
110 N Elgin Ave, Tulsa, OK 74120
18 Month CD
$1,000
3.55%
▲ 0.43% above Oklahoma avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 2, 20263.55%▲ from 3.30%
- Sep 19, 20263.30%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
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%
9323 E 21st St, Tulsa, OK 74129 1400
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
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
3116 S Garnett Rd, Tulsa, OK 74146
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
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
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
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
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
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
18 Month CD
$1,000
3.20%
▲ 0.08% above Oklahoma avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 7, 20263.20%▲ from 2.90%
- Sep 8, 20262.90%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
18 Month IRA Fixed & Roth & Education
$250
3.20%
▲ 0.08% above Oklahoma avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
- Oct 7, 20263.20%▲ from 3.05%
- Sep 8, 20263.05%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 18 Month CD
$1,000
3.20%
▲ 0.08% above Oklahoma avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.08% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 18 Month IRA Fixed & Roth & Education
$250
3.20%
▲ 0.08% above Oklahoma avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▲ 0.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
- Oct 7, 20263.20%▲ from 3.05%
- Sep 8, 20263.05%first recorded
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
18 Month Standard Certificate
$500
3.15%
▲ 0.03% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▲ 0.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
18 Month CD
$75,000
3.05%
▼ 0.07% below Oklahoma avg
▼
Rate3.00%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▼ 0.07% below avgNationally 2.88%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84%
- Oct 12, 20263.05%▲ from 2.84%
- Sep 25, 20262.84%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
18 Month IRA Variable
$250
3.00%
▼ 0.12% below Oklahoma avg
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▼ 0.12% below avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Oct 7, 20263.00%▲ from 2.75%
- Sep 8, 20262.75%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 18 Month IRA Variable
$250
3.00%
▼ 0.12% below Oklahoma avg
▼
Rate2.96%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▼ 0.12% below avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Oct 7, 20263.00%▲ from 2.75%
- Sep 8, 20262.75%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
18 Month Certificate
$1,000
2.98%
▼ 0.14% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▼ 0.14% below avgNationally 2.88%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 2.98% APY · checked 8 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
18 Month CD
$20,000
2.94%
▼ 0.18% below Oklahoma avg
▼
Rate2.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▼ 0.18% below avgNationally 2.88%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
- Oct 12, 20262.94%▲ from 2.84%
- Sep 25, 20262.84%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
18 Month CD
$500
2.84%
▼ 0.28% below Oklahoma avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.12%▼ 0.28% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 2.84% APY · checked 4 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
18-Month CD
$1,000
2.60%
▼ 0.52% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▼ 0.52% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 18-Months
$0
2.60%
▼ 0.52% below Oklahoma avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▼ 0.52% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
18 Month Certificate
$1,000
2.50%
▼ 0.62% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.12%▼ 0.62% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 18 Month
$1,000
2.45%
▼ 0.67% below Oklahoma avg
▼
Rate2.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▼ 0.67% below avgNationally 2.88%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share Certificates - 18 Month
$1,000
2.32%
▼ 0.80% below Oklahoma avg
▼
Rate2.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.12%▼ 0.80% below avgNationally 2.88%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 2 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
18 Month Certificate
$0
2.26%
▼ 0.86% below Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▼ 0.86% below avgNationally 2.88%
Details
comp semi-annually
Rate History
No change since Sep 19, 2026 · 2.26% APY · checked 5 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
18 Month Certificate
$0
1.50%
▼ 1.62% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▼ 1.62% below avgNationally 2.88%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
IRA CD - 18 Months
$0
1.50%
▼ 1.62% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.12%▼ 1.62% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
18 months fixed rate
$0
0.75%
▼ 2.37% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▼ 2.37% below avgNationally 2.88%
Details
$100,000.00 and over
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.37% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▼ 2.37% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
18 Month Standard CD
$1,000
0.75%
▼ 2.37% below Oklahoma avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.12%▼ 2.37% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
18 months fixed rate
$0
0.50%
▼ 2.62% below Oklahoma avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average3.12%▼ 2.62% below avgNationally 2.88%
Details
< $100,000.00
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
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
Tulsa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
24 Month CD
$0
4.40%
▲ 1.36% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 24, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
9139 S Yale Ave, Tulsa, OK 74137
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.04%▲ 1.22% above avgNationally 2.88%
Details
Balance: $99,000 and over
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average3.04%▲ 1.16% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 2, 20264.20%▲ from 3.85%
- Sep 24, 20263.85%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Balance: $50,000 - $98,999.99
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
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
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
24 Month Certificate
$1,000
4.05%
▲ 1.01% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 1.01% above avgNationally 2.88%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
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
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
4106 S Rockford Ave, Tulsa, OK 74105
24-month CD
$0
4.00%
▲ 0.96% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 8 times
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
1400 S Boston Ave, Tulsa, OK 74119 3612
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%
1400 S Boston Ave, Tulsa, OK 74119 3612
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average3.04%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 3 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.94%
▲ 0.90% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.90% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.94% ▲ 0.24 pts · high 3.94% / low 3.70%
- Oct 2, 20263.94%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.04%▲ 0.80% above avgNationally 2.88%
Details
Balance: $10,000 - $24,999.99
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.74%
▲ 0.70% above Oklahoma avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.70% above avgNationally 2.88%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
- Oct 2, 20263.74%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
24 Month CD
$1,000
3.70%
▲ 0.66% above Oklahoma avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.66% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 2, 20263.70%▲ from 3.35%
- Sep 19, 20263.35%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average3.04%▲ 0.65% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999.99
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
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
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
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
24 Month Certificates
$1,000
3.60%
▲ 0.56% above Oklahoma avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
- Sep 26, 20263.60%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
24 Month Term Share (Certificate) / IRA
$0
3.58%
▲ 0.54% above Oklahoma avg
▼
Rate3.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.54% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 180 Days
Rate History
1 change since Sep 18, 2026 · 3.34% → 3.58% ▲ 0.24 pts · high 3.58% / low 3.34%
- Oct 2, 20263.58%▲ from 3.34%
- Sep 18, 20263.34%first recorded
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Jumbo Share Certificates - 24 Months
$100,000
3.56%
▲ 0.52% above Oklahoma avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.52% 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 · 3.56% APY · checked 9 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
24 Month Certificate
$500
3.50%
▲ 0.46% above Oklahoma avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.46% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 7, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Boost Certificate
$1,000
3.35%
▲ 0.31% above Oklahoma avg
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.31% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Oct 5, 20263.35%▲ from 3.10%
- Sep 14, 20263.10%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
24-month Certificate
$1,000
3.35%
▲ 0.31% above Oklahoma avg
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.31% above avgNationally 2.88%
Details
APY based on quarterly compounding
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Oct 5, 20263.35%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
24 Month Share Certificate Account
$0
3.34%
▲ 0.30% above Oklahoma avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.30% above avgNationally 2.88%
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 · 3.34% APY · checked 5 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
24 Month CD
$1,000
3.30%
▲ 0.26% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.26% above avgNationally 2.88%
Details
Rate History
1 change since Sep 8, 2026 · 2.95% → 3.30% ▲ 0.35 pts · high 3.30% / low 2.95%
- Oct 7, 20263.30%▲ from 2.95%
- Sep 8, 20262.95%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 24 Month CD
$1,000
3.30%
▲ 0.26% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average3.04%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
3116 S Garnett Rd, Tulsa, OK 74146
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
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
24 month Jumbo Certificate & IRA
$95,000
3.30%
▲ 0.26% above Oklahoma avg
▼
Rate3.25%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.26% 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
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
24 month Certificate & IRA
$1,000
3.25%
▲ 0.21% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.21% 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
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
24 Month Standard Certificate
$500
3.15%
▲ 0.11% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
Standard Certificate - 24 Months
$500
3.15%
▲ 0.11% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average3.04%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month CD
$75,000
3.05%
▲ 0.01% above Oklahoma avg
▼
Rate3.00%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.01% above avgNationally 2.88%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 2.84% → 3.05% ▲ 0.21 pts · high 3.05% / low 2.84%
- Oct 12, 20263.05%▲ from 2.84%
- Sep 25, 20262.84%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month Trade-A-Rate CD
$75,000
3.05%
▲ 0.01% above Oklahoma avg
▼
Rate3.00%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▲ 0.01% above avgNationally 2.88%
Details
Minimum $75,000.00; Trade-A-Rate
Rate History
No change since Oct 12, 2026 · 3.05% APY
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates - 24 Months
$0
3.05%
▲ 0.01% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▲ 0.01% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.05% APY
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month CD
$20,000
2.94%
▼ 0.10% below Oklahoma avg
▼
Rate2.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.10% below avgNationally 2.88%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
- Oct 12, 20262.94%▲ from 2.84%
- Sep 25, 20262.84%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month Trade-A-Rate CD
$20,000
2.94%
▼ 0.10% below Oklahoma avg
▼
Rate2.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.10% below avgNationally 2.88%
Details
Minimum $20,000.00
Rate History
No change since Oct 12, 2026 · 2.94% APY
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month CD
$500
2.84%
▼ 0.20% below Oklahoma avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 2.84% APY · checked 4 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
24 Month Trade-A-Rate CD
$500
2.84%
▼ 0.20% below Oklahoma avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average3.04%▼ 0.20% below avgNationally 2.88%
Details
Trade-A-Rate
Rate History
No change since Oct 12, 2026 · 2.84% APY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 24 Month
$1,000
2.76%
▼ 0.28% below Oklahoma avg
▼
Rate2.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average3.04%▼ 0.28% below avgNationally 2.88%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 2.76% APY · checked 7 times
Tulsa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
2431 E 61st St, Tulsa, OK 74136
36 Month CD
$0
4.40%
▲ 1.43% above Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.40% APY · checked 6 times
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.34% above avgNationally 2.81%
Details
Balance: $99,000 and over
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
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.23% above avgNationally 2.81%
Details
Balance: $50,000 - $98,999.99
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.13% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
4.00%
▲ 1.03% above Oklahoma avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.03% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 2, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 0.92% above avgNationally 2.81%
Details
Balance: $10,000 - $24,999.99
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.79%
▲ 0.82% above Oklahoma avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.82% above avgNationally 2.81%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
- Oct 2, 20263.79%▲ from 3.49%
- Sep 18, 20263.49%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 0.77% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999.99
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
36 Month Term Share (Certificate) / IRA
$0
3.63%
▲ 0.66% above Oklahoma avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.66% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 240 Days
Rate History
1 change since Sep 18, 2026 · 3.34% → 3.63% ▲ 0.29 pts · high 3.63% / low 3.34%
- Oct 2, 20263.63%▲ from 3.34%
- Sep 18, 20263.34%first recorded
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
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
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
9139 S Yale Ave, Tulsa, OK 74137
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
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
36 Month CD
$1,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 3.05% → 3.40% ▲ 0.35 pts · high 3.40% / low 3.05%
- Oct 7, 20263.40%▲ from 3.05%
- Sep 8, 20263.05%first recorded
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
36 Month IRA Fixed
$250
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
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%
445 S Lewis Ave, Tulsa, OK 74104
Business 36 Month CD
$1,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
445 S Lewis Ave, Tulsa, OK 74104
Business 36 Month IRA Fixed
$250
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
36 Month CD
$1,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.40% ▲ 0.90 pts · high 3.40% / low 2.50%
- Oct 2, 20263.40%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
36 month Jumbo Certificate & IRA
$95,000
3.40%
▲ 0.43% above Oklahoma avg
▼
Rate3.35%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.43% above avgNationally 2.81%
Details
Jumbo Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
907 S Detroit Ave, Tulsa, OK 74120 4205
36 month Certificate & IRA
$1,000
3.35%
▲ 0.38% above Oklahoma avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▲ 0.38% above avgNationally 2.81%
Details
Regular Certificate; Effective 09/01/2026
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Jumbo Certificate
$100,000
3.35%
▲ 0.38% above Oklahoma avg
▼
Rate3.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.38% above avgNationally 2.81%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
36-month Jumbo IRA Certificate
$100,000
3.35%
▲ 0.38% above Oklahoma avg
▼
Rate3.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.38% above avgNationally 2.81%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
36-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 2.81%
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%
9323 E 21st St, Tulsa, OK 74129 1400
36-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 2.81%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
36 Month Certificate
$500
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 7, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
36 Month Certificate
$1,000
3.25%
▲ 0.28% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.81%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
36 Month Standard Certificate
$500
3.20%
▲ 0.23% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▲ 0.23% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates - 36 Month
$1,000
3.17%
▲ 0.20% above Oklahoma avg
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.20% above avgNationally 2.81%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 7 times
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1320 S Lewis Ave, Tulsa, OK 74104 4205
Share & IRA Certificates - 36 Months
$0
3.05%
▲ 0.08% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.08% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.05% APY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share Certificates - 36 Month
$1,000
3.04%
▲ 0.07% above Oklahoma avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.97%▲ 0.07% above avgNationally 2.81%
Details
Interest Paid Monthly; Rates effective as of January 4, 2023
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
3116 S Garnett Rd, Tulsa, OK 74146
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
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
36 Month Certificate
$0
2.77%
▼ 0.20% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.20% below avgNationally 2.81%
Details
comp semi-annually
Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 5 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
36-Month CD
$1,000
2.60%
▼ 0.37% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 36-Months
$0
2.60%
▼ 0.37% below Oklahoma avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
Triad Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
7646 E 61st St, Tulsa, OK 74133
36 Month Certificate
$0
2.52%
▼ 0.45% below Oklahoma avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.45% below avgNationally 2.81%
Details
comp semi-annually
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 5 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
IRA 3 Year Certificate
$1,000
2.50%
▼ 0.47% below Oklahoma avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▼ 0.47% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
10110 E 11th St, Tulsa, OK 74128
3 Year Certificate
$1,000
2.25%
▼ 0.72% below Oklahoma avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Oklahoma Average2.97%▼ 0.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
10832 E 31st St, Tulsa, OK 74146
3-Year Certificate
$1,000
1.61%
▼ 1.36% below Oklahoma avg
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▼ 1.36% below avgNationally 2.81%
Details
Promotional rate (*); Deposit Rate Ranges as of 09/05/2025
Rate History
No change since Sep 12, 2026 · 1.61% APY · checked 6 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
36 Month CD
$75,000
1.51%
▼ 1.46% below Oklahoma avg
▼
Rate1.50%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.97%▼ 1.46% below avgNationally 2.81%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 1.31% → 1.51% ▲ 0.20 pts · high 1.51% / low 1.31%
- Oct 12, 20261.51%▲ from 1.31%
- Sep 25, 20261.31%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
3 Year Certificate
$0
1.50%
▼ 1.47% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▼ 1.47% below avgNationally 2.81%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
IRA CD - 3 Years
$0
1.50%
▼ 1.47% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▼ 1.47% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Tulsa 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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.94%▲ 1.42% above avgNationally 2.80%
Details
Balance: $99,000 and over
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.94%▲ 1.32% above avgNationally 2.80%
Details
Balance: $50,000 - $98,999.99
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.94%▲ 1.21% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999.99
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
4.05%
▲ 1.11% above Oklahoma avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 1.11% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 2, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.94%▲ 1.00% above avgNationally 2.80%
Details
Balance: $10,000 - $24,999.99
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%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.84%
▲ 0.90% above Oklahoma avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 0.90% above avgNationally 2.80%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.54% → 3.84% ▲ 0.30 pts · high 3.84% / low 3.54%
- Oct 2, 20263.84%▲ from 3.54%
- Sep 18, 20263.54%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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%
1120 W 17th St, Tulsa, OK 74107
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.94%▲ 0.85% above avgNationally 2.80%
Details
Balance: $1,000 - $9,999.99
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
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
48 Month Term Share (Certificate) / IRA
$0
3.69%
▲ 0.75% above Oklahoma avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 0.75% above avgNationally 2.80%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 300 Days
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.69% ▲ 0.30 pts · high 3.69% / low 3.39%
- Oct 2, 20263.69%▲ from 3.39%
- Sep 18, 20263.39%first recorded
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average2.94%▲ 0.61% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 3 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
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
OCB Oklahoma Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
8080 S Yale Ave, Tulsa, OK 74136
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%
907 S Detroit Ave, Tulsa, OK 74120 4205
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
907 S Detroit Ave, Tulsa, OK 74120 4205
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
48 Month CD
$1,000
3.30%
▲ 0.36% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 0.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 2.40% → 3.30% ▲ 0.90 pts · high 3.30% / low 2.40%
- Oct 2, 20263.30%▲ from 2.40%
- Sep 19, 20262.40%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
48 Month Certificate
$500
3.25%
▲ 0.31% above Oklahoma avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 7, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
48 Month Certificate
$1,000
3.25%
▲ 0.31% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
48 Month Standard Certificate
$500
3.25%
▲ 0.31% above Oklahoma avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▲ 0.31% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Boost Certificate
$1,000
3.20%
▲ 0.26% above Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.26% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month Certificate
$1,000
3.20%
▲ 0.26% above Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.26% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
48-month IRA Certificate
$1,000
3.20%
▲ 0.26% above Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Oklahoma Average2.94%▲ 0.26% above avgNationally 2.80%
Details
APY based on quarterly compounding
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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%
3116 S Garnett Rd, Tulsa, OK 74146
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%
9139 S Yale Ave, Tulsa, OK 74137
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
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
48-Month CD
$1,000
2.60%
▼ 0.34% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▼ 0.34% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 48-Months
$0
2.60%
▼ 0.34% below Oklahoma avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.94%▼ 0.34% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
48 Month CD
$75,000
1.56%
▼ 1.38% below Oklahoma avg
▼
Rate1.55%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▼ 1.38% below avgNationally 2.80%
Details
Minimum $75,000.00
Rate History
1 change since Sep 25, 2026 · 1.36% → 1.56% ▲ 0.20 pts · high 1.56% / low 1.36%
- Oct 12, 20261.56%▲ from 1.36%
- Sep 25, 20261.36%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
4 Year Certificate
$0
1.50%
▼ 1.44% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▼ 1.44% below avgNationally 2.80%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
IRA CD - 4 Years
$0
1.50%
▼ 1.44% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▼ 1.44% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
48 Month CD
$20,000
1.46%
▼ 1.48% below Oklahoma avg
▼
Rate1.45%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▼ 1.48% below avgNationally 2.80%
Details
Minimum $20,000.00
Rate History
1 change since Sep 25, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36%
- Oct 12, 20261.46%▲ from 1.36%
- Sep 25, 20261.36%first recorded
Red Crown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5001 E 91st St, Tulsa, OK 74137
48 Month CD
$500
1.36%
▼ 1.58% below Oklahoma avg
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Oklahoma Average2.94%▼ 1.58% below avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 1.36% APY · checked 4 times
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
4 Year Certificate
$0
1.15%
▼ 1.79% below Oklahoma avg
▼
Rate1.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.94%▼ 1.79% below avgNationally 2.80%
Details
Rate History
No change since Sep 7, 2026 · 1.15% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.19% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▼ 2.19% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
48 Month Standard CD
$1,000
0.75%
▼ 2.19% below Oklahoma avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.94%▼ 2.19% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 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
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
Tulsa 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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.43% above avgNationally 2.91%
Details
Balance: $99,000 and over
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.33% above avgNationally 2.91%
Details
Balance: $50,000 - $98,999.99
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%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.22% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999.99
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%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
4.09%
▲ 1.12% above Oklahoma avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.12% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.79% → 4.09% ▲ 0.30 pts · high 4.09% / low 3.79%
- Oct 2, 20264.09%▲ from 3.79%
- Sep 18, 20263.79%first recorded
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3720 E 31st St, Tulsa, OK 74135
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%
3720 E 31st St, Tulsa, OK 74135
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 1.02% above avgNationally 2.91%
Details
Balance: $10,000 - $24,999.99
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%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.88%
▲ 0.91% above Oklahoma avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.91% above avgNationally 2.91%
Details
Balance: $10,000 - $24,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.63% → 3.88% ▲ 0.25 pts · high 3.88% / low 3.63%
- Oct 2, 20263.88%▲ from 3.63%
- Sep 18, 20263.63%first recorded
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
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 7, 2026
Oklahoma Average2.97%▲ 0.86% above avgNationally 2.91%
Details
Balance: $1,000 - $9,999.99
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
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
10727 E 51st St, Tulsa, OK 74146
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%
1120 W 17th St, Tulsa, OK 74107
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
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
8920 E 61st St, Tulsa, OK 74133
60 Month Term Share (Certificate) / IRA
$0
3.73%
▲ 0.76% above Oklahoma avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.76% above avgNationally 2.91%
Details
Balance: $1,000 - $9,999.99; Early Withdrawal Penalty: 360 Days
Rate History
1 change since Sep 18, 2026 · 3.43% → 3.73% ▲ 0.30 pts · high 3.73% / low 3.43%
- Oct 2, 20263.73%▲ from 3.43%
- Sep 18, 20263.43%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
110 N Elgin Ave, Tulsa, OK 74120
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 7, 2026
Oklahoma Average2.97%▲ 0.58% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 3 times
Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1120 W 17th St, Tulsa, OK 74107
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%
8080 S Yale Ave, Tulsa, OK 74136
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
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
110 N Elgin Ave, Tulsa, OK 74120
60 Month CD
$1,000
3.30%
▲ 0.33% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.33% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.30% ▲ 0.55 pts · high 3.30% / low 2.75%
- Oct 2, 20263.30%▲ from 2.75%
- Sep 19, 20262.75%first recorded
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.19%
9323 E 21st St, Tulsa, OK 74129 1400
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%
9323 E 21st St, Tulsa, OK 74129 1400
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%
201 W 5th St Ste 320, Tulsa, OK 74103 4215
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
6120 S Yale Ave, Tulsa, OK 74136
60 Month Certificate
$500
3.25%
▲ 0.28% above Oklahoma avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 7, 20263.25%▲ from 2.95%
- Sep 14, 20262.95%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
7136 S Yale Ave, Tulsa, OK 74136
60 Month Certificate
$1,000
3.25%
▲ 0.28% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 0.28% above avgNationally 2.91%
Details
Limited time offer. Rates apply to new deposits only.
Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
108 E 8th St, Tulsa, OK 74119 1604
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%
3116 S Garnett Rd, Tulsa, OK 74146
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%
3116 S Garnett Rd, Tulsa, OK 74146
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%
9139 S Yale Ave, Tulsa, OK 74137
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
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
60-Month CD
$10,000
2.60%
▼ 0.37% below Oklahoma avg
▼
Rate2.58%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.37% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
9810 E 51st St, Tulsa, OK 74146
Traditional, Roth & Simplified Employee Pension (SEP) Individual Retirement Account (IRA) - 60-Months
$0
2.60%
▼ 0.37% below Oklahoma avg
▼
Rate2.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.37% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
First Pryority Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10632 S Memorial Dr, Tulsa, OK 74133
Certificates of Deposit (CDs) - 60 month
$1,000
2.55%
▼ 0.42% below Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Oklahoma Average2.97%▼ 0.42% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.55% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
5 Year Certificate
$0
1.50%
▼ 1.47% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▼ 1.47% below avgNationally 2.91%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1 Williams Ctr, Tulsa, OK 74172
IRA CD - 5 Years
$0
1.50%
▼ 1.47% below Oklahoma avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▼ 1.47% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
SpiritBank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4815 S Harvard Ave, Tulsa, OK 74135
5 Year Certificate
$0
1.29%
▼ 1.68% below Oklahoma avg
▼
Rate1.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▼ 1.68% below avgNationally 2.91%
Details
Rate History
No change since Sep 7, 2026 · 1.29% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.22% below Oklahoma avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▼ 2.22% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6100 E 51st St, Tulsa, OK 74135
60 Month Standard CD
$1,000
0.75%
▼ 2.22% below Oklahoma avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Oklahoma Average2.97%▼ 2.22% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15%
▲ 1.18% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.18% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15%
▲ 1.18% above Oklahoma avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.18% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 7, 20264.15%▲ from 4.00%
- Oct 2, 20264.00%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
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00%
▲ 1.03% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00%
▲ 1.03% above Oklahoma avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Oklahoma Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Oct 2, 20263.75%first recorded
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Tulsa, OK CD Rate Trends
Compare local Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma
Tracked in Tulsa, Oklahoma
48 Banks
39 Credit Unions
About Our Tulsa, Oklahoma CD Rate Database
MonitorBankRates tracks 804 CD rates from 48 banks and 39 credit unions with locations in Tulsa, 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: MapleMark Bank offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tulsa, Oklahoma.
How to Find the Best CD Rates in Tulsa, Oklahoma
What to compare when shopping for a CD in Tulsa, Oklahoma
To find the best APYs in Tulsa, Oklahoma, start with credit unions and online-only banks: Tulsa, Oklahoma has 39 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 Tulsa, 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 Tulsa, Oklahoma: 87 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Tulsa, 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 Tulsa, Oklahoma money market rates
Tulsa, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.3%
National avg: 17.3%
Median Individual Earnings
$37,238
National avg: $47,340
Poverty Rate
18.7%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At OK 12-mo avg 3.320% APY
15.3% 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 ($3,723/year) and putting it in a CD would earn an additional $124 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Tulsa, 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 Tulsa, Oklahoma savers easier access to their funds. For example, Regent Bank (OK) is offering its 6 Month Certificate at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tinker Federal Credit Union is offering its 60 Month Term Share (Certificate) / IRA at 4.40% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Tulsa, 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 Tulsa, Oklahoma
Are CD rates in Tulsa, Oklahoma FDIC insured?
Yes, most established banks in Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma?
Here are recent top rates found for this area:
- MapleMark Bank: 4.40% APY (18 Month CD)
- 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)
- First Pryority Bank: 4.25% APY (Certificates of Deposit (CDs) - 36 month)
- SpiritBank: 4.21% APY (IRA variable 18-month)
- Vast Bank: 4.20% APY (24 Month IRA Certificate Special)
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- TTCU Federal Credit Union: 4.15% APY (48 Month Certificates)
- Encentus Federal Credit Union: 4.08% APY (Jumbo Share Certificates - 12 Months)
Rates reflect recent verified offers available in Tulsa, Oklahoma. Last Updated: October 14, 2026
Tulsa, 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 Tulsa, 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 Tulsa, Oklahoma
Tulsa, 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.
Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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 Tulsa, 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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