Credit union · NCUA insured
Energize Credit Union CD Rates
Energize Credit Union’s best CD rate is 4.47% APY on a 13-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Energize Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Energize Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Energize Credit Union
4.32%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $469
Certificates of Deposit
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
WEOKIE Federal Credit Union
4.40%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $1,057
Energize Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.91%
- QualifiedQualified4.32%
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 Energize 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.
Certificates of Deposit
Up to 4.32%APY · 5 terms
Dividends compounded quarterly. Penalty for early withdrawal. Maximum deposit limit of $300,000. Jumbo bonus offers +5 bps over $50,000 and +10 bps over $100,000 (does not apply to 13-month special). Rate match available up to 25 bps against competitors.
| Term | APY · $1,000 – $300,000 | APY · $50,000 – $300,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded quarterly. Early withdrawal penalty applies. Competitor rate match up to 25 bps. Jumbo bonus of +5 bps for balances over $50,000 and +10 bps over $100,000 | 3.55% | — | 3.55% | $176 |
| 12 monthsDividends compounded quarterly. Early withdrawal penalty applies. Competitor rate match up to 25 bps. Jumbo bonus of +5 bps for balances over $50,000 and +10 bps over $100,000 | 3.65% | — | 3.65% | $365 |
| 13 monthsOffer valid until $700,000 in promotional CD deposits received or 12/18/26, whichever comes first. Requires minimum $50,000 in new money not on deposit at ECU. Funds withdrawn and redeposited during promo period are not eligible. CD Jumbo Bonus does not apply. Rolls over to standard 12-month CD at maturity. Penalty for early withdrawal | — | 4.47% | —4.47% $50k–$300k | — |
| 13 monthsOffer valid until $700,000 in promotional CD deposits received or 12/18/26, whichever comes first. Requires new money not on deposit at ECU. Funds withdrawn and redeposited during promo period are not eligible. CD Jumbo Bonus does not apply. Rolls over to standard 12-month CD at maturity. Penalty for early withdrawal | 4.32% | — | 4.32% | $469 |
| 24 monthsDividends compounded quarterly. Early withdrawal penalty applies. Competitor rate match up to 25 bps. Jumbo bonus of +5 bps for balances over $50,000 and +10 bps over $100,000 | 3.75% | — | 3.75% | $764 |
| 36 monthsDividends compounded quarterly. Early withdrawal penalty applies. Competitor rate match up to 25 bps. Jumbo bonus of +5 bps for balances over $50,000 and +10 bps over $100,000 | 3.91% | — | 3.91% | $1,219 |
Who can join Energize Credit Union
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