Credit union · NCUA insured
Oklahoma's Credit Union CD Rates
Top CarrotOklahoma's Credit Union’s best CD rate is 4.30% APY on a 19-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Oklahoma's Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Oklahoma's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
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
Oklahoma's Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.10%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.30%
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 Oklahoma's 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
Up to 4.30%APY · 9 terms
Federally insured by NCUA. Early withdrawal penalties apply (6-12 month: up to 90 days dividends; 13-60 month: up to 180 days dividends). Certificates renew automatically at maturity with a 7-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 3.10% | $310 |
| 18 months | 3.15% | $476 |
| 19 monthsPromotional rate. Limited time only. At maturity, automatically renews as a standard 18 month term certificate. Penalties for early withdrawal reduce earnings | 4.30% | $689 |
| 24 months | 3.15% | $640 |
| 30 months | 3.20% | $819 |
| 36 months | 3.20% | $991 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.30% | $1,763 |
Sources (3)
- okcu.org/personal/checking-savings/certificates
- okcu.org/personal/resources/rates/certificate-rates
- okcu.org/certificate
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 9 terms
Available as Traditional or Roth IRA. Consult tax advisor regarding deductibility and implications. Early withdrawal penalties apply (6-12 month: up to 90 days dividends; 13-60 month: up to 180 days dividends). Certificates will automatically renew for another term at maturity with a 7-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 3.10% | $310 |
| 18 months | 3.15% | $476 |
| 19 monthsPromotional rate. Limited time only. Penalties for early withdrawal reduce earnings. At maturity, the promotional 19 month certificate will renew automatically as a standard 18 month term certificate | 4.30% | $689 |
| 24 months | 3.15% | $640 |
| 30 months | 3.20% | $819 |
| 36 months | 3.20% | $991 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.30% | $1,763 |
Sources (2)
All captured Sep 24, 2026
Who can join Oklahoma's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work, worship, attend school in, or do business in an OKC metro or Tulsa metro qualifying area.
Employers and groups
- Employees of OKCU's partner organizations and employee partner groups qualify for membership.
Family and household
- Individuals qualify for membership if they are a spouse, domestic partner, child, sibling, parent, grandparent, or grandchild of someone who is eligible to be an OKCU member.
Other ways
- Residents of Oklahoma can qualify for membership by joining the Oklahoma Historical Society, with OKCU paying the one-time membership fee.
Membership information collected October 4, 2026.