Credit union · NCUA insured
Tinker Federal Credit Union CD Rates
Tinker Federal Credit Union’s best CD rate is 3.54% APY on a 1-year share certificate (CD). Terms run from 1 year to 18 months. Rates checked October 15, 2026.
How Tinker Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Tinker Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tinker Federal Credit Union
3.54%APY
- Term
- 12 months
- Minimum
- $25
- Earns on $10,000
- $354
Starting Line Share Certificate
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Starting Line Share Certificate
3.54%APY · 1 term
12-month maturity, 90-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded monthly | 3.54% | $354 |
Sources (1)
- tinkerfcu.org/accounts/current-rates · captured Oct 15, 2026
Save & Build Certificate
0.65%APY · 1 term
18-month maturity, 120-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more, or into starting line certificate if balance is less than $1,000. Must be enrolled in online and mobile banking with a valid email address. Only one save & build certificate per account. Must be 18 years or older, limited to one per Tax Identification Number, must have open share draft account with TFCU. Normal underwriting guidelines apply, not in bankruptcy or legal proceedings.
| Term | APY · Up to $5,000 | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsFixed dividend rate on balance of $5,000 or less | 2.02% | — | —2.02% to $5k | — |
| 18 monthsVariable dividend rate on balance more than $5,000 | — | 0.65% | 0.65% | $98 |
Sources (1)
- tinkerfcu.org/accounts/current-rates · captured Oct 15, 2026
Who can join Tinker 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in eligible areas are eligible to join.
Employers and groups
- Members of qualifying large associations are eligible to join.
- Employees of any of the 3,600 TFCU Partner companies and organizations are eligible to join.
Military, government and schools
- U.S. Armed Forces active, retired, dependent, or dependent survivor receiving benefits or services from Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
- City or county employees of eligible areas qualify for membership.
- Students, faculty, and employees of qualifying colleges, technology centers, and universities are eligible.
8 more ways to join
Military, government and schools
- Students, faculty, and employees of qualifying K-12 schools are eligible.
- Military personnel, civilian personnel, contractors, or US Government employees assigned to or working at Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandchild, stepparent, stepchild, stepsibling, or adoptive family member) of an existing member or eligible person qualify for membership.
- Permanent members of the household of an existing member or eligible person qualify for membership.
- Surviving spouses of TFCU members qualify for membership.
Other ways
- Residents of Texas and other areas can join via membership in the Cornerstone Foundation for a one-time fee of $15.00.
- Oklahoma residents can join via membership in the Oklahoma Jump$tart Coalition for a one-time fee of $10.00.
- Citizens, members, and employees of qualifying Tribal Nations are eligible to join.
Cost to join
- Opening a share (savings) account requires a $5 deposit and balance.
Membership information collected October 4, 2026.