Credit union · NCUA insured
Employees Federal Credit Union CD Rates
Employees Federal Credit Union’s best CD rate is 3.80% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Employees Federal Credit Union
3.55%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,103
Share Certificate Account
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
Employees Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Employees Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
FLEX Certificate
3.55%APY
Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals. Rates reflected are recent rates but are subject to change. Platinum Members add .25%/ Member Rewards add .10% to certificates - cannot combine
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $50,000 | 3.55% | $355 | |
| $50,000 and upJumbo Rate ($50,000+) | 3.80% | — | Jumbo Rate ($50,000+) |
Sources (1)
- employeesfed.com/savings-rates · captured Oct 5, 2026
Share Certificate Account
Up to 3.55%APY · 6 terms
Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals. Rates reflected are recent rates but are subject to change. Platinum Members add .25%/ Member Rewards add .10% to certificates - cannot combine
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.03% | — | 3.03% | $150 |
| 6 monthsJumbo Rate ($50,000+) | — | 3.29% | —3.29% from $50k | — |
| 12 months | 3.29% | — | 3.29% | $329 |
| 12 monthsJumbo Rate ($50,000+) | — | 3.55% | —3.55% from $50k | — |
| 24 months | 3.34% | — | 3.34% | $679 |
| 24 monthsJumbo Rate ($50,000+) | — | 3.60% | —3.60% from $50k | — |
| 36 months | 3.55% | — | 3.55% | $1,103 |
| 36 monthsJumbo Rate ($50,000+) | — | 3.80% | —3.80% from $50k | — |
| 48 months | 3.55% | — | 3.55% | $1,497 |
| 48 monthsJumbo Rate ($50,000+) | — | 3.80% | —3.80% from $50k | — |
| 60 months | 3.55% | — | 3.55% | $1,906 |
| 60 monthsJumbo Rate ($50,000+) | — | 3.80% | —3.80% from $50k | — |
Who can join Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons within Downtown Tulsa (inside the perimeter of the IDL) are eligible for membership.
- Persons within East Tulsa are eligible for membership.
- Anyone who works or attends school in the Eastgate Metroplex is eligible for membership.
- Anyone who works, lives, worships, or attends school in West Tulsa area #1 is eligible for membership.
- Persons within West Tulsa area #2 are eligible for membership.
Employers and groups
- Employees and retirees of Tulsa Country Club, Goodwill, and A New Leaf are eligible for membership.
7 more ways to join
Employers and groups
- Employees and retirees of several other local businesses are eligible for membership.
- Employees and members of Southwest Tulsa Chamber of Commerce are eligible for membership.
Military, government and schools
- Employees and retirees of Tulsa County, Creek County, and Osage County Sheriff’s Office are eligible for membership.
- Employees and retirees of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa are eligible for membership.
- Employees and retirees of Tulsa Urban Renewal Authority, Tulsa City-County Library, and Tulsa City-County Civil Defense are eligible for membership.
- The City of Tulsa elected and appointed officials and employees/retirees of Tulsa Housing Authority are eligible for membership.
Family and household
- Family members (defined as spouse, children, stepchildren, grandchildren, parents, brothers, sisters, aunts, uncles, nieces, nephews, daughters-in-law, and sons-in-law) of eligible employees, retirees, and current members are eligible for membership.
Cost to join
- Membership requires a $25.00 deposit into a regular share account.
Membership information collected October 4, 2026.