Credit union · NCUA insured
TTCU Federal Credit Union CD Rates
TTCU Federal Credit Union’s best CD rate is 4.15% APY on a 4-year share certificate (CD). Terms run from 2 months to 4 years. Rates checked October 15, 2026.
How TTCU Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where TTCU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TTCU Federal Credit Union
3.75%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,587
Certificates
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
TTCU Federal Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 TTCU 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.
Certificates
Up to 3.75%APY · 9 terms
Higher dividend rates earned by locking in deposits for a specified period of time. Minimum deposits: $1,000 for standard certificates, $50,000 for jumbo rates, $200,000 for super jumbo rates. 45-day to 60-month terms available. Penalty may be imposed for early withdrawal depending on term and amount; fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 2 monthsEarly withdrawal penalty applies | 3.05% | — | — | 3.05% | $38 |
| 2 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.25% | — | —3.25% from $50k | — |
| 2 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.45% | —3.45% from $200k | — |
| 3 monthsEarly withdrawal penalty applies | 3.10% | — | — | 3.10% | $77 |
| 3 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.30% | — | —3.30% from $50k | — |
| 3 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.50% | —3.50% from $200k | — |
| 6 monthsEarly withdrawal penalty applies | 3.20% | — | — | 3.20% | $159 |
| 6 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.40% | — | —3.40% from $50k | — |
| 6 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.60% | —3.60% from $200k | — |
| 9 monthsEarly withdrawal penalty applies | 3.35% | — | — | 3.35% | $250 |
| 9 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.55% | — | —3.55% from $50k | — |
| 9 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.75% | —3.75% from $200k | — |
| 12 monthsEarly withdrawal penalty applies | 3.45% | — | — | 3.45% | $345 |
| 12 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.65% | — | —3.65% from $50k | — |
| 12 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.85% | —3.85% from $200k | — |
| 18 monthsEarly withdrawal penalty applies | 3.50% | — | — | 3.50% | $530 |
| 18 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.70% | — | —3.70% from $50k | — |
| 18 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 3.90% | —3.90% from $200k | — |
| 24 monthsEarly withdrawal penalty applies | 3.60% | — | — | 3.60% | $733 |
| 24 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.80% | — | —3.80% from $50k | — |
| 24 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 4.00% | —4.00% from $200k | — |
| 36 monthsEarly withdrawal penalty applies | 3.70% | — | — | 3.70% | $1,152 |
| 36 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.90% | — | —3.90% from $50k | — |
| 36 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 4.10% | —4.10% from $200k | — |
| 48 monthsEarly withdrawal penalty applies | 3.75% | — | — | 3.75% | $1,587 |
| 48 monthsJumbo rate tier. Early withdrawal penalty applies | — | 3.95% | — | —3.95% from $50k | — |
| 48 monthsSuper jumbo rate tier. Early withdrawal penalty applies | — | — | 4.15% | —4.15% from $200k | — |
Sources (1)
- ttcu.com/accounts/savings/certificate · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.05%APY · 6 terms
Available as Traditional IRA Certificates and Roth IRA Certificates (9- to 60-month terms available). Minimum deposit: $1,000. No required subsequent deposits, setup or maintenance fees. Dividends paid quarterly. Early withdrawal penalty may be imposed; fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 3.55% | $265 |
| 12 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 3.65% | $365 |
| 24 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 3.80% | $774 |
| 36 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 3.90% | $1,216 |
| 48 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 3.95% | $1,676 |
| 60 monthsAvailable for Traditional and Roth IRA Certificates. Early withdrawal penalty applies. No setup or maintenance fees; dividends paid quarterly | 4.05% | $2,196 |
Sources (2)
All captured Oct 5, 2026
Who can join TTCU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members or employees of more than 800 affiliated groups.
- Individuals can take part in membership when their business or organization becomes affiliated with TTCU.
Military, government and schools
- Membership is open to teachers, faculty, administrators, staff, and students.
- Individuals can take part in membership when their school becomes affiliated with TTCU.
Cost to join
- A $5 opening deposit is required for a TTCU savings account.
Membership information collected October 4, 2026.