Credit union · NCUA insured
Southwest Oklahoma Federal Credit Union CD Rates
Southwest Oklahoma Federal Credit Union’s best CD rate is 3.35% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Southwest Oklahoma Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lawton, OK, where Southwest Oklahoma Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Oklahoma Federal Credit Union
2.94%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,559
Share Certificate Accounts
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
Southwest Oklahoma Federal Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.73%
- 16–30 months16–30 mo2.84%
- 31–60 months31–60 mo2.94%
- QualifiedQualified2.94%
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 Southwest Oklahoma 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 Accounts
Up to 2.94%APY · 5 terms
Federally insured by NCUA up to $250,000 per account. Membership eligibility requires living, working, worshipping, attending school in Caddo, Comanche, Cotton, Kiowa, Tillman, or Stephens counties, or having an eligible family member.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.53% | 2.73% | 2.94% | 2.53%2.73% $50k–$100k2.94% from $100k | $126 |
| 12 monthsEarly withdrawal penalty: 120 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.73% | 2.94% | 3.14% | 2.73%2.94% $50k–$100k3.14% from $100k | $273 |
| 24 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.84% | 3.04% | 3.25% | 2.84%3.04% $50k–$100k3.25% from $100k | $576 |
| 36 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.89% | 3.09% | 3.30% | 2.89%3.09% $50k–$100k3.30% from $100k | $892 |
| 60 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.94% | 3.14% | 3.35% | 2.94%3.14% $50k–$100k3.35% from $100k | $1,559 |
Special-purpose accounts
IRA Certificate Accounts
Up to 2.94%APY · 4 terms
Federally insured by NCUA up to $250,000 per account. IRA Certificate Accounts are not available on terms of 91 Days and 6 Months. Membership eligibility requires living, working, worshipping, attending school in Caddo, Comanche, Cotton, Kiowa, Tillman, or Stephens counties, or having an eligible family member.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsEarly withdrawal penalty: 120 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.73% | 2.94% | 3.14% | 2.73%2.94% $50k–$100k3.14% from $100k | $273 |
| 24 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.84% | 3.04% | 3.25% | 2.84%3.04% $50k–$100k3.25% from $100k | $576 |
| 36 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.89% | 3.09% | 3.30% | 2.89%3.09% $50k–$100k3.30% from $100k | $892 |
| 60 monthsEarly withdrawal penalty: 180 days of interest lost. APY assumes principal balance remains on deposit until maturity | 2.94% | 3.14% | 3.35% | 2.94%3.14% $50k–$100k3.35% from $100k | $1,559 |
Who can join Southwest Oklahoma 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 open to anyone who lives, works, worships, or attends school in Caddo, Comanche, Cotton, Kiowa, Tillman, or Stephens County.
Family and household
- Membership is open to family members of existing account holders.
Cost to join
- Opening membership requires opening a Share Savings account with as little as $5.
Membership information collected October 4, 2026.