Credit union · NCUA insured
MECU CD Rates
MECU’s best CD rate is 3.82% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How MECU’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where MECU has the most branches. $10,000, best rate first.
This credit union’s best
MECU
3.82%APY
- Term
- 6–18 months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificate 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
MECU CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo1.31%
- 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 MECU 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.
Certificate of Deposit
Up to 3.82%APY · 11 terms
No monthly service fee. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period.
| Term | APY · Any balance | APY · Up to $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $188 |
| 6 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 6–18 monthsSpecial promotional rate; dividends compounded monthly and must remain on deposit until maturity. May be withdrawn at any time | 3.82% | — | — | 3.82% | $189 |
| 7 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $220 |
| 7 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 11 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $348 |
| 11 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 12 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $380 |
| 12 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 15 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $477 |
| 15 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 18 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 3.80% | — | 3.80% | $575 |
| 18 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 3.80% | —3.80% from $75k | — |
| 24 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 1.00% | — | 1.00% | $201 |
| 24 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 1.26% | —1.26% from $75k | — |
| 36 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 1.11% | — | 1.11% | $337 |
| 36 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 1.36% | —1.36% from $75k | — |
| 48 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 1.21% | — | 1.21% | $493 |
| 48 monthsJumbo CD tier; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 1.46% | —1.46% from $75k | — |
| 48 monthsJumbo CD tier; listed as 48 month in source rate schedule; dividends compounded quarterly; paid monthly will receive a check and will not compound | — | — | 1.56% | —1.56% from $75k | — |
| 60 monthsDividends compounded quarterly; paid monthly will receive a check and will not compound | — | 1.31% | — | 1.31% | $672 |
Sources (3)
All captured Sep 18, 2026
Who can join MECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Pottawatomie, Canadian, Lincoln, McClain, Grady, or Logan County.
Membership information collected October 4, 2026.