Credit union · NCUA insured
Focus Federal Credit Union CD Rates
Focus Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 15, 2026.
How Focus Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Focus Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Focus Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Share Certificates
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
Focus Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.00%
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 Focus 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.
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 4 terms
Open to eligible members. 6-month term is not available for IRA certificates. Subject to IRS IRA contribution and distribution rules as well as early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 4.00% | $400 |
| 24 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 3.00% | $609 |
| 36 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 2.85% | $880 |
| 48 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 2.85% | $1,190 |
Share Certificates
Up to 4.00%APY · 5 terms
Open to members who live, work, worship, or attend school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, and Grady Counties. $1,000 minimum to open ($500 minimum for minors). Early withdrawal penalty may apply. Certificate renews at the standard rate for a 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 3.25% | $161 |
| 12 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply. Certificate renews at the standard rate for a 12-month term | 4.00% | $400 |
| 24 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 3.00% | $609 |
| 36 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 2.85% | $880 |
| 48 monthsFor amounts of $1,000 and over. Early withdrawal penalties apply | 2.85% | $1,190 |
Sources (3)
All captured Sep 18, 2026
Who can join Focus 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
- Anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, Pottawatomie, and Grady Counties is eligible to become a member.
Membership information collected October 4, 2026.