Credit union · NCUA insured
Fort Sill Federal Credit Union CD Rates
Fort Sill Federal Credit Union’s best CD rate is 2.99% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Fort Sill Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lawton, OK, where Fort Sill Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fort Sill Federal Credit Union
2.99%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $299
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
Red River Federal Credit Union
4.35%APY
- Term
- 17 months
- Minimum
- —
- Earns on $10,000
- $622
Fort Sill Federal Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo2.99%
- 16–30 months16–30 mo2.89%
- 31–60 months31–60 mo2.79%
- QualifiedQualified2.99%
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 Fort Sill 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.
Share Certificates
Up to 2.99%APY · 6 terms
NCUA insured. Compounded monthly. Substantial penalty for early withdrawal prior to maturity date.
| Term | APY · $1,000 and up | APY · $2,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsDividends compounded monthly. Penalty for early withdrawal | — | — | 2.79% | 2.79% | $139 |
| 12 monthsDividends compounded monthly. Penalty for early withdrawal | — | 2.99% | — | 2.99% | $299 |
| 24 monthsDividends compounded monthly. Penalty for early withdrawal | — | 2.89% | — | 2.89% | $586 |
| 36 monthsDividends compounded monthly. Penalty for early withdrawal | 2.79% | — | — | 2.79% | $861 |
| 48 monthsDividends compounded monthly. Penalty for early withdrawal | 2.68% | — | — | 2.68% | $1,116 |
| 60 monthsDividends compounded monthly. Penalty for early withdrawal | 2.58% | — | — | 2.58% | $1,358 |
Special-purpose accounts
IRA Share Certificates
Up to 2.99%APY · 6 terms
Traditional and Roth IRA share certificates. $15.00 opening fee, $15.00 annual fee, $25.00 closing fee. Substantial penalty for early withdrawal prior to maturity date.
| Term | APY · $1,000 and up | APY · $2,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | — | — | 2.79% | 2.79% | $139 |
| 12 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | — | 2.99% | — | 2.99% | $299 |
| 24 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | — | 2.89% | — | 2.89% | $586 |
| 36 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | 2.79% | — | — | 2.79% | $861 |
| 48 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | 2.68% | — | — | 2.68% | $1,116 |
| 60 monthsDividends compounded monthly. $15.00 IRA opening fee, $15.00 annual fee, $25.00 closing fee. Penalty for early withdrawal | 2.58% | — | — | 2.58% | $1,358 |
Sources (4)
All captured Oct 5, 2026
Who can join Fort Sill 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
- Membership is available to individuals who live, work, worship, or attend school in select Oklahoma counties.
- Membership is available to individuals who live, work, worship, or attend school in select Texas counties.
Cost to join
- A minimum deposit of $5 is required to open an account.
Membership information collected October 4, 2026.