Credit union · NCUA insured
Red River Federal Credit Union CD Rates
Top CarrotRed River Federal Credit Union’s best CD rate is 4.35% APY on a 17-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Red River Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lawton, OK, where Red River Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Red River Federal Credit Union
4.35%APY
- Term
- 17 months
- Minimum
- —
- Earns on $10,000
- $622
Certificate
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
3rd-highest rate
Bank of Commerce
4.15%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $847
Red River Federal Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.92%
- QualifiedQualified4.35%
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 Red River 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.
Certificate
Up to 4.35%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown91-day term | 3.04% | $0 |
| 5 months5 Month term | 4.05% | $167 |
| 6 months6 Month term | 3.56% | $176 |
| 11 months11 Month term | 4.20% | $384 |
| 12 months12 Month term | 3.72% | $372 |
| 17 months17 Month term | 4.35% | $622 |
| 18 months18 Month term | 3.87% | $586 |
| 24 months24 Month (2 Year) term | 3.92% | $799 |
| 36 months36 Month (3 Year) term | 3.92% | $1,223 |
| 48 months48 Month (4 Year) term | 3.92% | $1,663 |
| 60 months60 Month (5 Year) term | 3.92% | $2,120 |
Sources (1)
- redriverfcu.com/accounts/iras/certificate-and-ira-rates · captured Oct 5, 2026
Certificate Specials
Up to 4.35%APY · 3 terms
Certificate specials have a $5,000 minimum balance requirement.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5 Month Certificate Special | 4.05% | $167 |
| 11 months11 Month Certificate Special | 4.20% | $384 |
| 17 months17 Month Certificate Special | 4.35% | $622 |
Special-purpose accounts
IRA Certificates
Up to 4.02%APY · 8 terms
No annual fees. No set up fees. NCUA insured. Free AD&D insurance. Available in Traditional and Roth IRA options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-day IRA. Some accounts may require a minimum balance | 3.14% | $78 |
| 6 months6 Month IRA. Some accounts may require a minimum balance | 3.66% | $181 |
| 12 months12 Month IRA. Some accounts may require a minimum balance | 3.82% | $382 |
| 18 months18 Month IRA. Some accounts may require a minimum balance | 3.97% | $601 |
| 24 months24 Month IRA. Some accounts may require a minimum balance | 4.02% | $820 |
| 36 months36 Month IRA. Some accounts may require a minimum balance | 4.02% | $1,255 |
| 48 months48 Month IRA. Some accounts may require a minimum balance | 4.02% | $1,708 |
| 60 months60 Month IRA. Some accounts may require a minimum balance | 4.02% | $2,178 |
Who can join Red River 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
- Persons who live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located in Beckham, Blaine, Caddo, Canadian, Cleveland, Comanche, Custer, Grady, Greer, Harmon, Jackson, Kiowa, McClain, Roger Mills, Tillman, and Washita Counties, OK; 41 census tracts in northwest Oklahoma County (Edmond/Deer Creek area), OK; and Wilbarger County, TX are eligible for membership.
Cost to join
- Opening a Regular Savings Account is required for membership, which requires a minimum opening deposit of $5.
Membership information collected October 4, 2026.