Credit union · NCUA insured
Encentus Federal Credit Union CD Rates
Encentus Federal Credit Union’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Encentus Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where Encentus Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Encentus Federal Credit Union
3.82%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $189
Share Certificates
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
Encentus Federal Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.82%
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 Encentus 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.
Jumbo Share Certificates
Up to 4.08%APY · 3 terms
Deposits in Jumbo Certificates must be $100,000 and above. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDeposits in Jumbo Certificates must be $100,000 and above. Penalty may be imposed for early withdrawal | 4.08% | — |
| 18 monthsDeposits in Jumbo Certificates must be $100,000 and above. Penalty may be imposed for early withdrawal | 3.82% | — |
| 24 monthsDeposits in Jumbo Certificates must be $100,000 and above. Penalty may be imposed for early withdrawal | 3.56% | — |
Sources (1)
- encentusfcu.org/Rates/Savings-Rates · captured Oct 5, 2026
Share Certificates
Up to 3.82%APY · 7 terms
Subject to penalties for early withdrawal. Requires $500 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 0.50% | $12 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.82% | $189 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.56% | $356 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.45% | $522 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.05% | $619 |
| 30 monthsPenalty may be imposed for early withdrawal | 3.05% | $780 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.05% | $943 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.82%APY · 7 terms
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 0.50% | $12 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.82% | $189 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.56% | $356 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.45% | $522 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.05% | $619 |
| 30 monthsPenalty may be imposed for early withdrawal | 3.05% | $780 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.05% | $943 |
Sources (1)
- encentusfcu.org/Rates/Savings-Rates · captured Oct 5, 2026
Who can join Encentus Federal Credit Union
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