Credit union · NCUA insured
OU Federal Credit Union CD Rates
OU Federal Credit Union’s best CD rate is 2.79% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How OU Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where OU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OU Federal Credit Union
2.79%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $279
Share Certificate Account
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
OU Federal Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.79%
- 31–60 months31–60 mo0.30%
- QualifiedQualified2.79%
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 OU 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 Certificate Account
Up to 2.79%APY · 4 terms
Must maintain a Regular Share Savings account with a minimum balance/par value of $5.00 for membership. Dividends compound and credit monthly. Early withdrawal penalty equal to dividends for half the term. Upon maturity, balance transfers to Regular Share account and certificate closes. Premier Checking account holders may qualify for a certificate rate increase with $50,000+ monthly share balance or $25,000+ loan balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.76% | $44 |
| 6 months | 2.27% | $113 |
| 12 months | 2.79% | $279 |
| 60 months | 0.30% | $151 |
Sources (2)
All captured Sep 18, 2026
Who can join OU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Directors, officers, employees, and volunteers of the credit union are eligible for membership.
- Paid members of the Financial Cents Literacy Club are eligible for membership.
- Paid members of the University of Oklahoma Alumni Association in Norman, Oklahoma are eligible for membership.
Military, government and schools
- Employees of the Oklahoma Geological Survey who work in Norman, Oklahoma are eligible for membership.
- Employees of the University of Oklahoma who work at any of its campuses in Norman, Oklahoma City, Tulsa, or at Cameron University in Lawton, Oklahoma are eligible for membership.
- Graduate, senior, junior, sophomore, and freshman students of the University of Oklahoma are eligible for membership.
6 more ways to join
Military, government and schools
- Federal employees of the Oklahoma Postal Training Operation who work in Norman, Oklahoma are eligible for membership.
- Military personnel assigned to the Air Force ROTC, Army ROTC, or Naval ROTC at the University of Oklahoma in Norman, Oklahoma are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
- Spouses of persons who were deceased while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners and/or annuitants from eligible employment or service are eligible for membership.
Membership information collected October 4, 2026.