Credit union · NCUA insured
Western Sun Federal Credit Union CD Rates
Western Sun Federal Credit Union’s best CD rate is 3.50% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 15, 2026.
How Western Sun Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where Western Sun Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Western Sun Federal Credit Union
3.45%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,453
Regular Certificate
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
Western Sun Federal Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo2.95%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.45%
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 Western Sun 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.
Jumbo Certificate
Up to 3.50%APY · 6 terms
Dividends are earned daily and compounded monthly. Early withdrawal penalty may result in up to 90 days loss of dividends. No account fees or application fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.00% | — |
| 12 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.10% | — |
| 18 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.30% | — |
| 24 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.30% | — |
| 36 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.40% | — |
| 48 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.50% | — |
Regular Certificate
Up to 3.45%APY · 6 terms
Dividends are earned daily and compounded monthly. Early withdrawal penalty may result in up to 90 days loss of dividends. No account fees or application fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 2.95% | $146 |
| 12 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.05% | $305 |
| 18 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.25% | $491 |
| 24 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.25% | $661 |
| 36 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.35% | $1,039 |
| 48 monthsAll early withdrawals may result in up to a 90 days loss of dividends | 3.45% | $1,453 |
Special-purpose accounts
IRA Certificate
Up to 3.45%APY · 3 terms
Available in Traditional, Roth, and Coverdell Educational IRA wrappers. $1,000 minimum opening deposit for regular IRAs, $95,000 for Jumbo IRAs. Terms range from 24 to 48 months for IRA certificates in the rate schedule. Early withdrawal penalties may result in up to 90 days loss of dividends. Subject to IRS rules and regulations.
| Term | APY · $1,000 and up | APY · $95,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months($95,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | — | 3.30% | —3.30% from $95k | — |
| 24 monthsRegular tier ($1,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | 3.25% | — | 3.25% | $661 |
| 36 months($95,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | — | 3.40% | —3.40% from $95k | — |
| 36 monthsRegular tier ($1,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | 3.35% | — | 3.35% | $1,039 |
| 48 months($95,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | — | 3.50% | —3.50% from $95k | — |
| 48 monthsRegular tier ($1,000 minimum). All early withdrawals may result in up to a 90 days loss of dividends | 3.45% | — | 3.45% | $1,453 |
Who can join Western Sun 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, volunteer, or attend school in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, or Wagoner counties are eligible to join.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a regular savings account with a minimum balance deposit of $5.
Membership information collected October 4, 2026.