Wagoner, Oklahoma Best CD Rates August 2026
Content reviewed by
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.
Current Wagoner, Oklahoma CD rates include MapleMark BankMapleMark BankA+5.0 ★Texas Ratio: 1.64%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month CD at 4.40% APY, First Pryority BankFirst Pryority BankB4.6 ★Texas Ratio: 19.27%Real return: +1.45%APY minus CPI (February 2026) offering 36 month at 4.25% APY, Bank of Commerce Duncan, OKBank of Commerce Duncan, OKA-4.9 ★Texas Ratio: 16.35%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month IRA at 4.25% APY, Lifetime Federal Credit UnionLifetime Federal Credit UnionA+5.0 ★Texas Ratio: 3.14%Real return: +1.38%APY minus CPI (February 2026) offering 12 Month Certificate at 4.18% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Wagoner is a smaller community with no bank or credit union branches currently in our database. 429 institutions serving the Oklahoma area are available to Wagoner residents, with CD rates as high as 4.40% APY from MapleMark Bank. Rates are continually updated — 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: August 28, 2026
Compare Best CD Rates in Wagoner, Oklahoma & the Surrounding Area
Wagoner 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 2.05% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 2.05% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.90% above Oklahoma avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.90% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month CD
$0
3.75%
▲ 1.80% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.80% above avgNationally 1.96%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month CD
$0
3.65%
▲ 1.70% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.70% above avgNationally 1.96%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
3 Month (90 Day) CD
$0
3.60%
▲ 1.65% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.65% above avgNationally 1.96%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
3 Month CD
$0
3.55%
▲ 1.60% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.60% above avgNationally 1.96%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Special
$1,000
3.50%
▲ 1.55% above Oklahoma avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.55% above avgNationally 1.96%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 3 Months
$0
3.41%
▲ 1.46% above Oklahoma avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.46% above avgNationally 1.96%
Details
$100,000
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.45% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.45% above avgNationally 1.96%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 mo
$50,000
3.35%
▲ 1.40% above Oklahoma avg
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.40% above avgNationally 1.96%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 mo
$1,000
3.30%
▲ 1.35% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.35% above avgNationally 1.96%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 3 Months
$0
3.30%
▲ 1.35% above Oklahoma avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.35% above avgNationally 1.96%
Details
$1,000 - $99,999
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 3 Month
$0
3.25%
▲ 1.30% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.30% above avgNationally 1.96%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
3 Month Certificate
$0
3.15%
▲ 1.20% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.20% above avgNationally 1.96%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month CD
$1,000
3.00%
▲ 1.05% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.05% above avgNationally 1.96%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
3-month Jumbo Certificate
$100,000
2.95%
▲ 1.00% above Oklahoma avg
▼
Rate2.92%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 1.00% above avgNationally 1.96%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
3-month Certificate
$1,000
2.90%
▲ 0.95% above Oklahoma avg
▼
Rate2.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.95% above avgNationally 1.96%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 3 Month
$0
2.27%
▲ 0.32% above Oklahoma avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.32% above avgNationally 1.96%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CD
$1,000
2.25%
▲ 0.30% above Oklahoma avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.30% above avgNationally 1.96%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 3 Month CD
$1,000
2.25%
▲ 0.30% above Oklahoma avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.30% above avgNationally 1.96%
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
3 month
$1,000
2.02%
▲ 0.07% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.07% above avgNationally 1.96%
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
3 month
$0
2.00%
▲ 0.05% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▲ 0.05% above avgNationally 1.96%
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
90 Days SCA
$0
1.30%
▼ 0.65% below Oklahoma avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.65% below avgNationally 1.96%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$1,000
1.16%
▼ 0.79% below Oklahoma avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.79% below avgNationally 1.96%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Months
$0
1.16%
▼ 0.79% below Oklahoma avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.79% below avgNationally 1.96%
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
30-90 Day CD
$0
1.16%
▼ 0.79% below Oklahoma avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.79% below avgNationally 1.96%
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 3 Month
$0
1.13%
▼ 0.82% below Oklahoma avg
▼
Rate1.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.82% below avgNationally 1.96%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
91-Days (3-Month) CD
$2,500
1.12%
▼ 0.83% below Oklahoma avg
▼
Rate1.12%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 0.83% below avgNationally 1.96%
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
3 Month CD
$1,000
0.80%
▼ 1.15% below Oklahoma avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 1.15% below avgNationally 1.96%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 3 Months
$0
0.50%
▼ 1.45% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 1.45% below avgNationally 1.96%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
90 Days
$0
0.11%
▼ 1.84% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 1.84% below avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 months
$0
0.10%
▼ 1.85% below Oklahoma avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 1.85% below avgNationally 1.96%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Months
$1,000
0.10%
▼ 1.85% below Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average1.95%▼ 1.85% below avgNationally 1.96%
Details
Early Withdrawal Penalty 3 Month CD - 30 Day Interest Penalty. Rates apply to new deposits only.
Wagoner 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6 Month TEAL Certificate (Age 0-17)
$250
4.07%
▲ 1.26% above Oklahoma avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.26% above avgNationally 2.67%
Details
Age: 0-17
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month TEAL Certificate
$250
4.07%
▲ 1.26% above Oklahoma avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.26% above avgNationally 2.67%
Details
For kids and Teens (age 0-17). TEAL is short for Teens Earning And Learning, but any member from 0 to 17 years of age can have one of these lower-deposit certificates. compounded monthly.
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Months
$1,000
4.05%
▲ 1.24% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.24% above avgNationally 2.67%
Details
Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.19% above Oklahoma avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.19% above avgNationally 2.67%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month CD
$0
3.96%
▲ 1.15% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.15% above avgNationally 2.67%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.95%
▲ 1.14% above Oklahoma avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.14% above avgNationally 2.67%
Details
Rate as of 11/1/2025. Rates subject to change. Early withdrawal penalties may apply.
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Months
$0
3.95%
▲ 1.14% above Oklahoma avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.14% above avgNationally 2.67%
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 Month CD
$0
3.90%
▲ 1.09% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.09% above avgNationally 2.67%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month CD
$0
3.85%
▲ 1.04% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.04% above avgNationally 2.67%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
6-month Jumbo Certificate
$100,000
3.85%
▲ 1.04% above Oklahoma avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.04% above avgNationally 2.67%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 6 Months
$0
3.82%
▲ 1.01% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 1.01% above avgNationally 2.67%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 month
$75,000
3.80%
▲ 0.99% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.99% above avgNationally 2.67%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month CD
$0
3.75%
▲ 0.94% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.94% above avgNationally 2.67%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
6 Month (180 Day) CD
$0
3.75%
▲ 0.94% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.94% above avgNationally 2.67%
Details
Interest Paid: Quarterly
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
6 Month Certificate
$0
3.71%
▲ 0.90% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.90% above avgNationally 2.67%
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
6 month
$1,000
3.70%
▲ 0.89% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.89% above avgNationally 2.67%
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6-Month CD Special
$0
3.70%
▲ 0.89% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.89% above avgNationally 2.67%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month CD
$0
3.66%
▲ 0.85% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.85% above avgNationally 2.67%
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-month CD
$0
3.65%
▲ 0.84% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.84% above avgNationally 2.67%
Details
New Money
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
6-month Certificate
$1,000
3.65%
▲ 0.84% above Oklahoma avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.84% above avgNationally 2.67%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month CD
$0
3.61%
▲ 0.80% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.80% above avgNationally 2.67%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 months
$0
3.61%
▲ 0.80% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.80% above avgNationally 2.67%
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6-month CD
$0
3.60%
▲ 0.79% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.79% above avgNationally 2.67%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month Special
$1,000
3.60%
▲ 0.79% above Oklahoma avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.79% above avgNationally 2.67%
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
6 Month
$0
3.51%
▲ 0.70% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.70% above avgNationally 2.67%
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-month CD
$0
3.50%
▲ 0.69% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.69% above avgNationally 2.67%
Details
New Money
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 Month CD
$500
3.50%
▲ 0.69% above Oklahoma avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.69% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 months
$0
3.50%
▲ 0.69% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.69% above avgNationally 2.67%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 6 Months
$0
3.50%
▲ 0.69% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.69% above avgNationally 2.67%
Details
$100,000
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 6 Month
$0
3.50%
▲ 0.69% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.69% above avgNationally 2.67%
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
▲ 0.59% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.59% above avgNationally 2.67%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 mo
$50,000
3.40%
▲ 0.59% above Oklahoma avg
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.59% above avgNationally 2.67%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 6 Months
$0
3.40%
▲ 0.59% above Oklahoma avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.59% above avgNationally 2.67%
Details
$1,000 - $99,999
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 mo
$1,000
3.35%
▲ 0.54% above Oklahoma avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.54% above avgNationally 2.67%
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month IRA/Share Certificate
$0
3.30%
▲ 0.49% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.49% above avgNationally 2.67%
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
6 Month
$0
3.30%
▲ 0.49% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.49% above avgNationally 2.67%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
6 Month Certificate
$2,000
3.25%
▲ 0.44% above Oklahoma avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.44% above avgNationally 2.67%
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 Month Certificate
$0
3.25%
▲ 0.44% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.44% above avgNationally 2.67%
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
6 Month Certificate
$1,000
3.25%
▲ 0.44% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.44% above avgNationally 2.67%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 6 Month
$0
3.14%
▲ 0.33% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.33% above avgNationally 2.67%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month CD
$1,000
3.10%
▲ 0.29% above Oklahoma avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.29% above avgNationally 2.67%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificate
$500
3.04%
▲ 0.23% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.23% above avgNationally 2.67%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 6 Month
$500
3.04%
▲ 0.23% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.23% above avgNationally 2.67%
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
6 months
$0
3.04%
▲ 0.23% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.23% above avgNationally 2.67%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 month Jumbo Certificate
$0
3.00%
▲ 0.19% above Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.19% above avgNationally 2.67%
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
6 Month SCA
$0
3.00%
▲ 0.19% above Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.19% above avgNationally 2.67%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 month Certificate
$0
2.95%
▲ 0.14% above Oklahoma avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▲ 0.14% above avgNationally 2.67%
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 6 Month
$0
2.79%
▼ 0.02% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▼ 0.02% below avgNationally 2.67%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month CD
$1,000
2.50%
▼ 0.31% below Oklahoma avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▼ 0.31% below avgNationally 2.67%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 6 Month CD
$1,000
2.50%
▼ 0.31% below Oklahoma avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.81%▼ 0.31% below avgNationally 2.67%
Details
Wagoner 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Month Certificate
$2,000
4.18%
▲ 1.64% above Oklahoma avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.64% above avgNationally 2.83%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 12 Month Certificate
$2,000
4.18%
▲ 1.64% above Oklahoma avg
▼
Rate4.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.64% above avgNationally 2.83%
Details
MapleMark Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month CD
$0
4.15%
▲ 1.61% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.61% above avgNationally 2.83%
Details
APY as high as
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Months
$1,000
4.05%
▲ 1.51% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.51% above avgNationally 2.83%
Details
Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
1 Year CD
$0
4.00%
▲ 1.46% above Oklahoma avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.46% above avgNationally 2.83%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
12 Month IRA
$0
4.00%
▲ 1.46% above Oklahoma avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.46% above avgNationally 2.83%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
1 Year CD
$0
3.96%
▲ 1.42% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.42% above avgNationally 2.83%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
12 Month CD
$0
3.95%
▲ 1.41% above Oklahoma avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.41% above avgNationally 2.83%
Details
Interest Paid: Quarterly
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12 Month CD (also IRA)
$0
3.90%
▲ 1.36% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.36% above avgNationally 2.83%
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
12 Month Certificate
$1,000
3.85%
▲ 1.31% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.31% above avgNationally 2.83%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month
$1,000
3.80%
▲ 1.26% above Oklahoma avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Months
$0
3.80%
▲ 1.26% above Oklahoma avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
12 Month CD
$0
3.80%
▲ 1.26% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 month
$75,000
3.80%
▲ 1.26% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 YEAR CD
$0
3.79%
▲ 1.25% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.25% above avgNationally 2.83%
Details
Compounding Frequency: SEMI ANNUALLY
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
12-month CD
$0
3.75%
▲ 1.21% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.21% above avgNationally 2.83%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month Special
$1,000
3.75%
▲ 1.21% above Oklahoma avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.21% above avgNationally 2.83%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
12-month Jumbo Certificate
$100,000
3.75%
▲ 1.21% above Oklahoma avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.21% above avgNationally 2.83%
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 12 Month
$0
3.75%
▲ 1.21% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.21% above avgNationally 2.83%
Details
Valor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12-Month CD
$0
3.65%
▲ 1.11% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.11% above avgNationally 2.83%
Details
Penalty for early withdrawal. Rates are effective as of March 13, 2026.
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month CD
$0
3.61%
▲ 1.07% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.07% above avgNationally 2.83%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 mo
$50,000
3.60%
▲ 1.06% above Oklahoma avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.06% above avgNationally 2.83%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 12 Months
$0
3.60%
▲ 1.06% above Oklahoma avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.06% above avgNationally 2.83%
Details
$100,000
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month CD
$0
3.56%
▲ 1.02% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.02% above avgNationally 2.83%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
12 Month Certificate
$0
3.56%
▲ 1.02% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.02% above avgNationally 2.83%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 12 Months
$0
3.56%
▲ 1.02% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.02% above avgNationally 2.83%
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
12 month
$1,000
3.55%
▲ 1.01% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.01% above avgNationally 2.83%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 mo
$1,000
3.55%
▲ 1.01% above Oklahoma avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 1.01% above avgNationally 2.83%
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
12 Month
$0
3.51%
▲ 0.97% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.97% above avgNationally 2.83%
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12-Month CD Special
$0
3.51%
▲ 0.97% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.97% above avgNationally 2.83%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
12 months
$0
3.51%
▲ 0.97% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.97% above avgNationally 2.83%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
12 months Pee Wee/Teen
$0
3.51%
▲ 0.97% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.97% above avgNationally 2.83%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
12-month Certificate
$1,000
3.50%
▲ 0.96% above Oklahoma avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 12 Months
$0
3.50%
▲ 0.96% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.96% above avgNationally 2.83%
Details
$1,000 - $99,999
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12 month
$0
3.50%
▲ 0.96% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.96% above avgNationally 2.83%
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
1 Year
$0
3.40%
▲ 0.86% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.86% above avgNationally 2.83%
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 months
$0
3.35%
▲ 0.81% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.81% above avgNationally 2.83%
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
Share Certificate 12 months
$0
3.35%
▲ 0.81% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.81% above avgNationally 2.83%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 12 Month
$0
3.34%
▲ 0.80% above Oklahoma avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.80% above avgNationally 2.83%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
12 Month CD
$500
3.30%
▲ 0.76% above Oklahoma avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.76% above avgNationally 2.83%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
12 months
$0
3.30%
▲ 0.76% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.76% above avgNationally 2.83%
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 Month Certificate
$0
3.30%
▲ 0.76% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.76% above avgNationally 2.83%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month CD
$1,000
3.25%
▲ 0.71% above Oklahoma avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 months
$0
3.25%
▲ 0.71% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
Share Certificate 12 months
$0
3.25%
▲ 0.71% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.71% above avgNationally 2.83%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1 Year Certificate
$500
3.14%
▲ 0.60% above Oklahoma avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.60% above avgNationally 2.83%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 1 Year
$500
3.14%
▲ 0.60% above Oklahoma avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.60% above avgNationally 2.83%
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
7-12 Month SCA
$0
3.10%
▲ 0.56% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.56% above avgNationally 2.83%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 month Jumbo Certificate
$0
3.05%
▲ 0.51% above Oklahoma avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.51% above avgNationally 2.83%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
12 Months Certificate of Deposit
$0
3.04%
▲ 0.50% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.54%▲ 0.50% above avgNationally 2.83%
Details
Wagoner 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: 1.64%
18 Month CD
$0
4.30%
▲ 1.30% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 1.30% above avgNationally 2.67%
Details
APY as high as
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month CD
$0
4.06%
▲ 1.06% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 1.06% above avgNationally 2.67%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
18 Month CD
$0
4.05%
▲ 1.05% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.67%
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
18 Month IRA
$0
4.05%
▲ 1.05% above Oklahoma avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 1.05% above avgNationally 2.67%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month CD
$0
3.96%
▲ 0.96% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.96% above avgNationally 2.67%
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Month CD
$0
3.96%
▲ 0.96% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.96% above avgNationally 2.67%
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month IRA/Share Certificate
$0
3.90%
▲ 0.90% above Oklahoma avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.90% above avgNationally 2.67%
Details
First Oklahoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
18-month CD
$0
3.85%
▲ 0.85% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.85% above avgNationally 2.67%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month CD
$0
3.85%
▲ 0.85% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.85% above avgNationally 2.67%
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
IRA variable 18-month
$0
3.84%
▲ 0.84% above Oklahoma avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.84% above avgNationally 2.67%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 month
$75,000
3.80%
▲ 0.80% above Oklahoma avg
▼
Rate3.75%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.80% above avgNationally 2.67%
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Months
$0
3.76%
▲ 0.76% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.76% above avgNationally 2.67%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 18 Months
$0
3.45%
▲ 0.45% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.45% above avgNationally 2.67%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 months
$0
3.40%
▲ 0.40% above Oklahoma avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.40% above avgNationally 2.67%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
18 Month CD
$1,000
3.30%
▲ 0.30% above Oklahoma avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.67%
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 months
$500
3.30%
▲ 0.30% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.30% above avgNationally 2.67%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 month IRA Certificates
$0
3.25%
▲ 0.25% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.25% above avgNationally 2.67%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 18 Month
$0
3.24%
▲ 0.24% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.24% above avgNationally 2.67%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
18 mo
$50,000
3.20%
▲ 0.20% above Oklahoma avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.20% above avgNationally 2.67%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
18-month Jumbo Certificate
$100,000
3.20%
▲ 0.20% above Oklahoma avg
▼
Rate3.16%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.20% above avgNationally 2.67%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
18 mo
$1,000
3.15%
▲ 0.15% above Oklahoma avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.15% above avgNationally 2.67%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
18-month Certificate
$1,000
3.15%
▲ 0.15% above Oklahoma avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.15% above avgNationally 2.67%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 month Jumbo Certificate
$0
3.10%
▲ 0.10% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.10% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05%
▲ 0.05% above Oklahoma avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.05% above avgNationally 2.67%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 18 Month IRA Fixed & Roth & Education
$250
3.05%
▲ 0.05% above Oklahoma avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.05% above avgNationally 2.67%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 month Certificate
$0
3.05%
▲ 0.05% above Oklahoma avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.05% above avgNationally 2.67%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
18 Month Certificate
$0
3.04%
▲ 0.04% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.04% above avgNationally 2.67%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month IRA Variable Rate
$0
3.04%
▲ 0.04% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.04% above avgNationally 2.67%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month IRA Variable Rate Certificate of Deposit
$0
3.04%
▲ 0.04% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.04% above avgNationally 2.67%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Months
$0
3.04%
▲ 0.04% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▲ 0.04% above avgNationally 2.67%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Months
$1,000
2.98%
▼ 0.02% below Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.02% below avgNationally 2.67%
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month CD
$1,000
2.90%
▼ 0.10% below Oklahoma avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.10% below avgNationally 2.67%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 18 Month CD
$1,000
2.90%
▼ 0.10% below Oklahoma avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.10% below avgNationally 2.67%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Months Certificate of Deposit
$0
2.79%
▼ 0.21% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.21% below avgNationally 2.67%
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Share Certificate 18 Month
$0
2.78%
▼ 0.22% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.22% below avgNationally 2.67%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 18 Month IRA Variable
$250
2.75%
▼ 0.25% below Oklahoma avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.25% below avgNationally 2.67%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
18-Month CD
$1,000
2.60%
▼ 0.40% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.40% below avgNationally 2.67%
Details
The Stock Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month IRA Certificate of Deposit
$0
2.53%
▼ 0.47% below Oklahoma avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.47% below avgNationally 2.67%
Details
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
Share Certificate 18 Month
$0
2.53%
▼ 0.47% below Oklahoma avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.47% below avgNationally 2.67%
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 18 Month
$0
2.45%
▼ 0.55% below Oklahoma avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.55% below avgNationally 2.67%
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
18 Month
$0
2.38%
▼ 0.62% below Oklahoma avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.62% below avgNationally 2.67%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Months
$0
2.05%
▼ 0.95% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.95% below avgNationally 2.67%
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
18 Month CD
$0
2.02%
▼ 0.98% below Oklahoma avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 0.98% below avgNationally 2.67%
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months
$500
2.00%
▼ 1.00% below Oklahoma avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 1.00% below avgNationally 2.67%
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
18 Month CD
$1,000
1.15%
▼ 1.85% below Oklahoma avg
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 1.85% below avgNationally 2.67%
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
18 Month Variable Individual Retirement Account (IRA)
$0
0.50%
▼ 2.50% below Oklahoma avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average3.00%▼ 2.50% below avgNationally 2.67%
Details
Wagoner 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: 1.64%
24 Month CD
$0
4.30%
▲ 1.38% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.38% above avgNationally 2.71%
Details
APY as high as
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
24 Month CD
$0
4.15%
▲ 1.23% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.23% above avgNationally 2.71%
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
24 Month IRA
$0
4.15%
▲ 1.23% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.23% above avgNationally 2.71%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month CD
$0
4.06%
▲ 1.14% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.14% above avgNationally 2.71%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Months
$1,000
4.05%
▲ 1.13% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.13% above avgNationally 2.71%
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
24 month
$1,000
4.05%
▲ 1.13% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.13% above avgNationally 2.71%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
24 Month Certificate
$2,000
3.97%
▲ 1.05% above Oklahoma avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.05% above avgNationally 2.71%
Details
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
IRA / 24 Month Certificate
$2,000
3.97%
▲ 1.05% above Oklahoma avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.05% above avgNationally 2.71%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month CD
$0
3.96%
▲ 1.04% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.04% above avgNationally 2.71%
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
24 Month CD
$0
3.96%
▲ 1.04% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 1.04% above avgNationally 2.71%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month Special
$1,000
3.85%
▲ 0.93% above Oklahoma avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.93% above avgNationally 2.71%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month CD
$0
3.85%
▲ 0.93% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.93% above avgNationally 2.71%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 24 Months
$0
3.76%
▲ 0.84% above Oklahoma avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.84% above avgNationally 2.71%
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 24 Months
$0
3.65%
▲ 0.73% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.73% above avgNationally 2.71%
Details
$1,000 - $99,999
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.68% above Oklahoma avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.68% above avgNationally 2.71%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Bump CD
$0
3.56%
▲ 0.64% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.64% above avgNationally 2.71%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Bump CD
$0
3.51%
▲ 0.59% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.59% above avgNationally 2.71%
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 24 Month
$0
3.50%
▲ 0.58% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.58% above avgNationally 2.71%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Bump CD
$0
3.45%
▲ 0.53% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.53% above avgNationally 2.71%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
24-month Jumbo Boost Certificate
$100,000
3.40%
▲ 0.48% above Oklahoma avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.48% above avgNationally 2.71%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
24-month Jumbo Certificate
$100,000
3.40%
▲ 0.48% above Oklahoma avg
▼
Rate3.36%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.48% above avgNationally 2.71%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month CD
$1,000
3.35%
▲ 0.43% above Oklahoma avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.43% above avgNationally 2.71%
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 months
$500
3.30%
▲ 0.38% above Oklahoma avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.38% above avgNationally 2.71%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 months
$0
3.30%
▲ 0.38% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.38% above avgNationally 2.71%
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
24 Month CD (also IRA)
$0
3.25%
▲ 0.33% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.33% above avgNationally 2.71%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
24 mo
$50,000
3.20%
▲ 0.28% above Oklahoma avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.28% above avgNationally 2.71%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
24 mo
$1,000
3.15%
▲ 0.23% above Oklahoma avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.23% above avgNationally 2.71%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 24 Month
$0
3.14%
▲ 0.22% above Oklahoma avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.22% above avgNationally 2.71%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 month Jumbo Certificate & IRA
$0
3.10%
▲ 0.18% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.18% above avgNationally 2.71%
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Month Certificate
$0
3.10%
▲ 0.18% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.18% above avgNationally 2.71%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
24-month Boost Certificate
$1,000
3.10%
▲ 0.18% above Oklahoma avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.18% above avgNationally 2.71%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
24-month Certificate
$1,000
3.10%
▲ 0.18% above Oklahoma avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.18% above avgNationally 2.71%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 month Certificate & IRA
$0
3.05%
▲ 0.13% above Oklahoma avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.13% above avgNationally 2.71%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 24 Months
$0
3.05%
▲ 0.13% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.13% above avgNationally 2.71%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
24 Month Certificate
$0
3.04%
▲ 0.12% above Oklahoma avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.12% above avgNationally 2.71%
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
24 Month Bump Special
$0
3.02%
▲ 0.10% above Oklahoma avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.10% above avgNationally 2.71%
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
24 Month Certificate
$1,000
3.00%
▲ 0.08% above Oklahoma avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.08% above avgNationally 2.71%
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
2 Year
$0
3.00%
▲ 0.08% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.08% above avgNationally 2.71%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month CD
$1,000
2.95%
▲ 0.03% above Oklahoma avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.03% above avgNationally 2.71%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 24 Month CD
$1,000
2.95%
▲ 0.03% above Oklahoma avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▲ 0.03% above avgNationally 2.71%
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 2 Year
$0
2.89%
▼ 0.03% below Oklahoma avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.03% below avgNationally 2.71%
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 24 Month
$0
2.76%
▼ 0.16% below Oklahoma avg
▼
Rate2.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.16% below avgNationally 2.71%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 Years Certificate
$500
2.63%
▼ 0.29% below Oklahoma avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.29% below avgNationally 2.71%
Details
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate Account 2 Years
$500
2.63%
▼ 0.29% below Oklahoma avg
▼
Rate2.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.29% below avgNationally 2.71%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
24-Month CD
$1,000
2.60%
▼ 0.32% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.32% below avgNationally 2.71%
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
24 months
$0
2.59%
▼ 0.33% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.33% below avgNationally 2.71%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month
$1,000
2.58%
▼ 0.34% below Oklahoma avg
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.34% below avgNationally 2.71%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
24 Months
$0
2.58%
▼ 0.34% below Oklahoma avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.34% below avgNationally 2.71%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
24 Months Certificate of Deposit
$0
2.53%
▼ 0.39% below Oklahoma avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.39% below avgNationally 2.71%
Details
Lakeside Bank of Salina
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
24 Month
$0
2.43%
▼ 0.49% below Oklahoma avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.92%▼ 0.49% below avgNationally 2.71%
Details
Wagoner 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: 1.64%
36 Month CD
$0
4.40%
▲ 1.56% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.56% above avgNationally 2.66%
Details
APY as high as
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
36 month
$1,000
4.25%
▲ 1.41% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.41% above avgNationally 2.66%
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
36 Month IRA
$0
4.25%
▲ 1.41% above Oklahoma avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.41% above avgNationally 2.66%
Details
Interest Paid: Quarterly
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
36 Month CD
$0
4.15%
▲ 1.31% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.31% above avgNationally 2.66%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month Escalator CD
$0
4.06%
▲ 1.22% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.22% above avgNationally 2.66%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month Escalator CD
$0
3.96%
▲ 1.12% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.12% above avgNationally 2.66%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month Escalator CD
$0
3.85%
▲ 1.01% above Oklahoma avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 1.01% above avgNationally 2.66%
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
36 Month CD
$0
3.80%
▲ 0.96% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.96% above avgNationally 2.66%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 36 Months
$0
3.80%
▲ 0.96% above Oklahoma avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.96% above avgNationally 2.66%
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 36 Months
$0
3.70%
▲ 0.86% above Oklahoma avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.86% above avgNationally 2.66%
Details
$1,000 - $99,999
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 36 Month
$0
3.55%
▲ 0.71% above Oklahoma avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.71% above avgNationally 2.66%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CD
$0
3.35%
▲ 0.51% above Oklahoma avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.51% above avgNationally 2.66%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
36-month Jumbo Certificate
$100,000
3.35%
▲ 0.51% above Oklahoma avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.51% above avgNationally 2.66%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CD
$0
3.30%
▲ 0.46% above Oklahoma avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.46% above avgNationally 2.66%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
36-month Certificate
$1,000
3.30%
▲ 0.46% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.46% above avgNationally 2.66%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Months
$1,000
3.25%
▲ 0.41% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.41% above avgNationally 2.66%
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CD
$0
3.25%
▲ 0.41% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.41% above avgNationally 2.66%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 months
$0
3.25%
▲ 0.41% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.41% above avgNationally 2.66%
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
3 Year IRA/Share Certificate
$0
3.25%
▲ 0.41% above Oklahoma avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.41% above avgNationally 2.66%
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 36 Month
$0
3.25%
▲ 0.41% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.41% above avgNationally 2.66%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 36 Month IRA Fixed
$250
3.20%
▲ 0.36% above Oklahoma avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.36% above avgNationally 2.66%
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificate 36 Month
$0
3.17%
▲ 0.33% above Oklahoma avg
▼
Rate3.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.33% above avgNationally 2.66%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 month Jumbo Certificate & IRA
$0
3.15%
▲ 0.31% above Oklahoma avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.31% above avgNationally 2.66%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 month Certificate & IRA
$0
3.10%
▲ 0.26% above Oklahoma avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.26% above avgNationally 2.66%
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Month Certificate
$0
3.10%
▲ 0.26% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.26% above avgNationally 2.66%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month CD
$1,000
3.05%
▲ 0.21% above Oklahoma avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.21% above avgNationally 2.66%
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Business 36 Month CD
$1,000
3.05%
▲ 0.21% above Oklahoma avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.21% above avgNationally 2.66%
Details
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 7.83%
Share & IRA Certificates 36 Months
$0
3.05%
▲ 0.21% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.21% above avgNationally 2.66%
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 months
$500
3.04%
▲ 0.20% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.20% above avgNationally 2.66%
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
36 Month CD
$0
3.00%
▲ 0.16% above Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.16% above avgNationally 2.66%
Details
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
3 Year
$0
3.00%
▲ 0.16% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.16% above avgNationally 2.66%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
36 months
$0
2.90%
▲ 0.06% above Oklahoma avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.06% above avgNationally 2.66%
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
36 Month Certificate
$1,000
2.85%
▲ 0.01% above Oklahoma avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▲ 0.01% above avgNationally 2.66%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3-Year Share or IRA Certificate
$0
2.83%
▼ 0.01% below Oklahoma avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.01% below avgNationally 2.66%
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 3 Year
$0
2.79%
▼ 0.05% below Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.05% below avgNationally 2.66%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3-Year Share or IRA Certificate
$0
2.73%
▼ 0.11% below Oklahoma avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.11% below avgNationally 2.66%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
36 mo
$50,000
2.70%
▼ 0.14% below Oklahoma avg
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.14% below avgNationally 2.66%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3-Year Share or IRA Certificate
$0
2.68%
▼ 0.16% below Oklahoma avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.16% below avgNationally 2.66%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month
$1,000
2.65%
▼ 0.19% below Oklahoma avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.19% below avgNationally 2.66%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 Months
$0
2.65%
▼ 0.19% below Oklahoma avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.19% below avgNationally 2.66%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
36 mo
$1,000
2.65%
▼ 0.19% below Oklahoma avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.19% below avgNationally 2.66%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3-Year Share or IRA Certificate
$0
2.63%
▼ 0.21% below Oklahoma avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.21% below avgNationally 2.66%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
36-Month CD
$1,000
2.60%
▼ 0.24% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.24% below avgNationally 2.66%
Details
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 23.54%
36 months
$0
2.55%
▼ 0.29% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.29% below avgNationally 2.66%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36 Month CD
$1,000
2.50%
▼ 0.34% below Oklahoma avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.34% below avgNationally 2.66%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
36 Months Certificate of Deposit
$0
2.02%
▼ 0.82% below Oklahoma avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 0.82% below avgNationally 2.66%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 years
$0
1.79%
▼ 1.05% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 1.05% below avgNationally 2.66%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36-month certificate
$10,000
1.79%
▼ 1.05% below Oklahoma avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 1.05% below avgNationally 2.66%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificate (CD) 3 years
$0
1.79%
▼ 1.05% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 1.05% below avgNationally 2.66%
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 YEAR CD
$0
1.71%
▼ 1.13% below Oklahoma avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.84%▼ 1.13% below avgNationally 2.66%
Details
Compounding Frequency: SEMI ANNUALLY
Wagoner 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
48 Month CD
$0
4.15%
▲ 1.38% above Oklahoma avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 1.38% above avgNationally 2.65%
Details
Interest Paid: Quarterly
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month CD
$0
4.06%
▲ 1.29% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 1.29% above avgNationally 2.65%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month CD
$0
3.96%
▲ 1.19% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 1.19% above avgNationally 2.65%
Details
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates and Over) 48 Months
$0
3.85%
▲ 1.08% above Oklahoma avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 1.08% above avgNationally 2.65%
Details
$100,000
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Share Certificates 48 Months
$0
3.75%
▲ 0.98% above Oklahoma avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.98% above avgNationally 2.65%
Details
$1,000 - $99,999
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
48 Month CD
$0
3.70%
▲ 0.93% above Oklahoma avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.93% above avgNationally 2.65%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 48 Month
$0
3.65%
▲ 0.88% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.88% above avgNationally 2.65%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
48-month Jumbo Boost Certificate
$100,000
3.50%
▲ 0.73% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.73% above avgNationally 2.65%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
48-month Jumbo Certificate
$100,000
3.50%
▲ 0.73% above Oklahoma avg
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.73% above avgNationally 2.65%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CD
$0
3.45%
▲ 0.68% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.68% above avgNationally 2.65%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CD
$0
3.40%
▲ 0.63% above Oklahoma avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.63% above avgNationally 2.65%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CD
$0
3.35%
▲ 0.58% above Oklahoma avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.58% above avgNationally 2.65%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Months
$1,000
3.25%
▲ 0.48% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.48% above avgNationally 2.65%
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 48 Month
$0
3.25%
▲ 0.48% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.48% above avgNationally 2.65%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 month Jumbo Certificate & IRA
$0
3.20%
▲ 0.43% above Oklahoma avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.43% above avgNationally 2.65%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
48-month Boost Certificate
$1,000
3.20%
▲ 0.43% above Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.43% above avgNationally 2.65%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
48-month Certificate
$1,000
3.20%
▲ 0.43% above Oklahoma avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.43% above avgNationally 2.65%
Details
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 month Certificate & IRA
$0
3.15%
▲ 0.38% above Oklahoma avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.38% above avgNationally 2.65%
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4 Year IRA/Share Certificate
$0
3.10%
▲ 0.33% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.33% above avgNationally 2.65%
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Month Certificate
$0
3.05%
▲ 0.28% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.28% above avgNationally 2.65%
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 months
$500
3.04%
▲ 0.27% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.27% above avgNationally 2.65%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
4-Year Share or IRA Certificate
$0
3.03%
▲ 0.26% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.26% above avgNationally 2.65%
Details
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 months
$0
2.94%
▲ 0.17% above Oklahoma avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.17% above avgNationally 2.65%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
48 months
$0
2.90%
▲ 0.13% above Oklahoma avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.13% above avgNationally 2.65%
Details
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
48 Month Certificate
$1,000
2.85%
▲ 0.08% above Oklahoma avg
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.08% above avgNationally 2.65%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
4-Year Share or IRA Certificate
$0
2.83%
▲ 0.06% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.06% above avgNationally 2.65%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$1,000
2.82%
▲ 0.05% above Oklahoma avg
▼
Rate2.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.05% above avgNationally 2.65%
Details
Frontier State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
48 Months
$0
2.82%
▲ 0.05% above Oklahoma avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.05% above avgNationally 2.65%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
4-Year Share or IRA Certificate
$0
2.78%
▲ 0.01% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▲ 0.01% above avgNationally 2.65%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
4-Year Share or IRA Certificate
$0
2.73%
▼ 0.04% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.04% below avgNationally 2.65%
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 4 Year
$0
2.68%
▼ 0.09% below Oklahoma avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.09% below avgNationally 2.65%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
48-Month CD
$1,000
2.60%
▼ 0.17% below Oklahoma avg
▼
Rate2.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.17% below avgNationally 2.65%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
48 Month Certificate
$0
2.56%
▼ 0.21% below Oklahoma avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.21% below avgNationally 2.65%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 Month CD
$1,000
2.40%
▼ 0.37% below Oklahoma avg
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.37% below avgNationally 2.65%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
48 mo
$50,000
2.05%
▼ 0.72% below Oklahoma avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.72% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4 years
$0
2.04%
▼ 0.73% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.73% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48-month certificate
$10,000
2.04%
▼ 0.73% below Oklahoma avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.73% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificate (CD) 4 years
$0
2.04%
▼ 0.73% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.73% below avgNationally 2.65%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
48 mo
$1,000
2.00%
▼ 0.77% below Oklahoma avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.77% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4 years
$0
1.79%
▼ 0.98% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.98% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48-month certificate
$1,000
1.79%
▼ 0.98% below Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.98% below avgNationally 2.65%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificate (CD) 4 years
$0
1.79%
▼ 0.98% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 0.98% below avgNationally 2.65%
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Months Certificate of Deposit
$0
1.76%
▼ 1.01% below Oklahoma avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.01% below avgNationally 2.65%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 month
$75,000
1.56%
▼ 1.21% below Oklahoma avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.21% below avgNationally 2.65%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
4 Years
$0
1.55%
▼ 1.22% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.22% below avgNationally 2.65%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 month
$75,000
1.46%
▼ 1.31% below Oklahoma avg
▼
Rate1.45%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.31% below avgNationally 2.65%
Details
FNB Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.57%
48 Month CD
$1,000
1.36%
▼ 1.41% below Oklahoma avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.41% below avgNationally 2.65%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
48 month
$0
1.21%
▼ 1.56% below Oklahoma avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.56% below avgNationally 2.65%
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
4 year
$0
1.15%
▼ 1.62% below Oklahoma avg
▼
Rate1.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 1.62% below avgNationally 2.65%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 months
$0
0.20%
▼ 2.57% below Oklahoma avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.77%▼ 2.57% below avgNationally 2.65%
Details
Wagoner 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month CD
$0
4.06%
▲ 1.32% above Oklahoma avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 1.32% above avgNationally 2.76%
Details
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month CD
$0
3.96%
▲ 1.22% above Oklahoma avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 1.22% above avgNationally 2.76%
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
IRA Certificates 60 Month
$0
3.80%
▲ 1.06% above Oklahoma avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 1.06% above avgNationally 2.76%
Details
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
60 Month CD
$0
3.65%
▲ 0.91% above Oklahoma avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.91% above avgNationally 2.76%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
60-month Jumbo Certificate
$100,000
3.60%
▲ 0.86% above Oklahoma avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.86% above avgNationally 2.76%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CD
$0
3.51%
▲ 0.77% above Oklahoma avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.77% above avgNationally 2.76%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CD
$0
3.45%
▲ 0.71% above Oklahoma avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.71% above avgNationally 2.76%
Details
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CD
$0
3.40%
▲ 0.66% above Oklahoma avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.66% above avgNationally 2.76%
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 20.17%
60-month Certificate
$1,000
3.30%
▲ 0.56% above Oklahoma avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.56% above avgNationally 2.76%
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Months
$1,000
3.25%
▲ 0.51% above Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.51% above avgNationally 2.76%
Details
Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificate Accounts and IRA Certificates 60 Month
$0
3.25%
▲ 0.51% above Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.51% above avgNationally 2.76%
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5 Year IRA/Share Certificate
$0
3.10%
▲ 0.36% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.36% above avgNationally 2.76%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
5-Year Share or IRA Certificate
$0
3.09%
▲ 0.35% above Oklahoma avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.35% above avgNationally 2.76%
Details
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
5 year SCA
$0
3.05%
▲ 0.31% above Oklahoma avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.31% above avgNationally 2.76%
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 months
$500
3.04%
▲ 0.30% above Oklahoma avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.30% above avgNationally 2.76%
Details
Washita State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month
$1,000
3.03%
▲ 0.29% above Oklahoma avg
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.29% above avgNationally 2.76%
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
60 Month CD
$0
3.00%
▲ 0.26% above Oklahoma avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.26% above avgNationally 2.76%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
5-Year Share or IRA Certificate
$0
2.93%
▲ 0.19% above Oklahoma avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.19% above avgNationally 2.76%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
5-Year Share or IRA Certificate
$0
2.83%
▲ 0.09% above Oklahoma avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.09% above avgNationally 2.76%
Details
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
5-Year Share or IRA Certificate
$0
2.78%
▲ 0.04% above Oklahoma avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.04% above avgNationally 2.76%
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
60 Month CD
$1,000
2.75%
▲ 0.01% above Oklahoma avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▲ 0.01% above avgNationally 2.76%
Details
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
60 Month Certificate
$0
2.63%
▼ 0.11% below Oklahoma avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.11% below avgNationally 2.76%
Details
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
60-Month CD
$10,000
2.60%
▼ 0.14% below Oklahoma avg
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.14% below avgNationally 2.76%
Details
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
IRA SHARE CERTIFICATES / SHARE CERTIFICATES 5 Year
$0
2.58%
▼ 0.16% below Oklahoma avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.16% below avgNationally 2.76%
Details
First Pryority Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
60 month
$1,000
2.55%
▼ 0.19% below Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.19% below avgNationally 2.76%
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months
$500
2.50%
▼ 0.24% below Oklahoma avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.24% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
5 years
$0
2.29%
▼ 0.45% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.45% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60-month certificate
$10,000
2.29%
▼ 0.45% below Oklahoma avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.45% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificate (CD) 5 years
$0
2.29%
▼ 0.45% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.45% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
5 years
$0
2.04%
▼ 0.70% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.70% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60-month certificate
$1,000
2.04%
▼ 0.70% below Oklahoma avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.70% below avgNationally 2.76%
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificate (CD) 5 years
$0
2.04%
▼ 0.70% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.70% below avgNationally 2.76%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
60 mo
$50,000
1.80%
▼ 0.94% below Oklahoma avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.94% below avgNationally 2.76%
Details
First State Bank Tahlequah, OK
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
60 mo
$1,000
1.75%
▼ 0.99% below Oklahoma avg
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 0.99% below avgNationally 2.76%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5 Years
$0
1.55%
▼ 1.19% below Oklahoma avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 1.19% below avgNationally 2.76%
Details
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 month
$0
1.31%
▼ 1.43% below Oklahoma avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 1.43% below avgNationally 2.76%
Details
SpiritBank
Institution Rating:
B+4.7 ★Texas Ratio: 18.26%
5 year
$0
1.29%
▼ 1.45% below Oklahoma avg
▼
Rate1.28%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 1.45% below avgNationally 2.76%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
60 months
$0
0.25%
▼ 2.49% below Oklahoma avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Oklahoma Average2.74%▼ 2.49% below avgNationally 2.76%
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Wagoner, OK CD Rate Trends
Compare local Wagoner, OK CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — OK Avg
2.535%
▲ 0.532 vs 7 days ago
Oklahoma 12-month CD rates rose 0.532 points over the past 7 days to 2.535% APY.
6-Month CD — OK Avg
2.810%
▲ 0.276 vs 7 days ago
Oklahoma 6-month CD rates rose 0.276 points over the past 7 days to 2.810% APY.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
OK CD Rate Forecast — Next 12 Months
Where are Oklahoma CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
OK 12-Month Avg APY
2.535%
6-Month Forecast
2.535%
Range: 2.34% – 2.69%
12-Month Forecast
2.285%
Range: 2.09% – 2.44%
Powered by
MonitorBankRates
What Your Savings Earn at OK CD Rates Today
Annual interest earnings at today’s Oklahoma average APYs. State average used where available; national average as fallback.
| CD Term | OK Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.950% | $97.51 | $195.02 | $487.55 | $975.10 |
| 6-Month CD | 2.810% | $140.51 | $281.01 | $702.53 | $1,405.05 |
| 12-Month CD | 2.535% | $126.77 | $253.53 | $633.83 | $1,267.65 |
| 18-Month CD | 2.996% | $149.78 | $299.55 | $748.88 | $1,497.75 |
| 24-Month CD | 2.920% | $146.01 | $292.02 | $730.05 | $1,460.10 |
| 36-Month CD | 2.843% | $142.13 | $284.25 | $710.63 | $1,421.25 |
| 48-Month CD | 2.767% | $138.35 | $276.69 | $691.73 | $1,383.45 |
| 60-Month CD | 2.735% | $136.77 | $273.53 | $683.83 | $1,367.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Wagoner, 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 | 1.950% | $97.51 |
| 2 | 6-Month CD | $5,000 | 2.810% | $140.51 |
| 3 | 12-Month CD | $5,000 | 2.535% | $126.77 |
| 4 | 24-Month CD | $5,000 | 2.920% | $146.01 |
| 5 | 36-Month CD | $5,000 | 2.843% | $142.13 |
| Total ($25,000 invested) | $25,000 | 2.612% blended | $652.93/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.
360
CD Rates
Tracked in Wagoner, Oklahoma
Tracked in Wagoner, Oklahoma
34 Banks
26 Credit Unions
About Our Wagoner, Oklahoma CD Rate Database
MonitorBankRates tracks 360 CD rates from 34 banks and 26 credit unions with locations in Wagoner, Oklahoma, plus national online institutions available to Oklahoma residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: 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 Wagoner, Oklahoma.
How to Find the Best CD Rates in Wagoner, Oklahoma
What to compare when shopping for a CD in Wagoner, Oklahoma
To find the best APYs in Wagoner, Oklahoma, start with credit unions and online-only banks — Wagoner, Oklahoma has 26 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 Wagoner, 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 Wagoner, Oklahoma — 60 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Wagoner, 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 Wagoner, Oklahoma money market rates
Wagoner, Oklahoma Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$36,927
National avg: $47,340
Poverty Rate
16.1%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$94/yr
At OK 12-mo avg 2.535% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s OK 12-month CD average of 2.535%, saving 10% of the local median salary ($3,692/year) and putting it in a CD would earn an additional $94 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 Wagoner, Oklahoma
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Wagoner, 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 Wagoner, 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 Wagoner, Oklahoma as everywhere in the U.S.
Choosing a CD Term in Wagoner, 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 Wagoner, Oklahoma savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Exchange Bank and Trust Company is offering its 60 Month CD at 4.06% 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 Wagoner, 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 Wagoner, 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 Wagoner, 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 Wagoner, 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 Wagoner, Oklahoma
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wagoner, 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 Wagoner, Oklahoma
Are CD rates in Wagoner, Oklahoma FDIC insured?
Yes, most established banks in Wagoner, 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 Wagoner, 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 Wagoner, 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 Wagoner, 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 Wagoner, Oklahoma?
Here are recent top rates found for this area:
- MapleMark Bank: 4.40% APY (36 Month CD)
- First Pryority Bank: 4.25% APY (36 month)
- Bank of Commerce Duncan, OK: 4.25% APY (36 Month IRA)
- Lifetime Federal Credit Union: 4.18% APY (12 Month Certificate)
- Red River Employees Federal Credit Union: 4.07% APY (6 Month TEAL Certificate (Age 0-17))
- Exchange Bank and Trust Company: 4.06% APY (18 Month CD)
- Regent Bank (OK): 4.05% APY (12 Months)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Share Certificate)
- Security Bank and Trust Company: 3.96% APY (18 Month CD)
- Washita State Bank: 3.95% APY (6 Month CD)
Rates reflect recent verified offers available in Wagoner, Oklahoma. Last Updated: August 28, 2026
Wagoner, 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 Wagoner, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Wagoner, Oklahoma
Wagoner, 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.
Wagoner, Oklahoma CD LadderOK CD rates currently range from 1.950% (3-month) to 2.843% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wagoner, Oklahoma CD at 4.40% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsOklahoma’s average 12-month CD is 2.535% 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 Wagoner, 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 Wagoner, 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 Wagoner, 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: August 28, 2026
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