Compare Bank & Credit Union Rates
Best CD rates in Enid, OK
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Enid, OK
- Communication Federal Credit UnionShare CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.35%APY$472 over 13 months on $10,000intro rateRequirements
Product: Rates subject to change at any time. A penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open. Interest is paid monthly on the daily balance from the date of issue. Automatically renews at maturity.
Offer: Certificate Special. Fixed rate type. 13 month certificate will mature to a 12 month certificate. Early withdrawal penalty may apply.
Promotional rate · 4.26% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 3.79%APY
Requirements
Product: An additional 0.10% may be added to stated CD interest rate for primary or joint owners of a City Preferred checking account. Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: Fixed rate, non-compounding. Term 180 - 364 days.
3.75% interest rate
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Rates set by the Board of Directors of Cowboy First Bank and subject to change at any time. A penalty may be imposed for early withdrawal. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and APY for the next-lower CD Term time period. APY assumes interest payments are compounded monthly and remain on deposit. Accrued interest payable will not be paid if the account is closed before interest is paid.
Offer: 7 Month CD - Special (Regular). Special CD rates may be subject to additional terms and conditions.
3.69% interest rate · Compounded monthly · Effective Nov 4, 2025
Rate checked
More details - 3.71%APY$371 over 1 year on $10,000
Requirements
Product: Flexible terms from 3 to 60 months. Quarterly interest payments and no maintenance or setup fees. Fixed interest rate for chosen term. For terms one year and less, tiered rate with higher interest on balances $50,000 and greater.
Offer: Fixed interest rate for chosen term; quarterly interest payments; no maintenance or setup fees
3.65% interest rate
Rate checked
More details - Tinker Federal Credit UnionStarting Line Share CertificateCD · 12 months · $25 min
Credit union · 2 branches
3.54%APY$354 over 1 year on $10,000intro rateRequirements
Product: 12-month maturity, 90-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more.
Offer: Dividends compounded monthly.
Promotional rate · 3.49% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 2.99%APY$924 over 36 months on $10,000intro rate
Requirements
Product: Quarterly interest payments and no maintenance or setup fees. Includes one rate bump up during the term. Deposits allowed at any time. No penalties for emergency withdrawal.
Offer: 3 year maturity with one rate bump during the term to current 36-month interest rate; deposits allowed anytime; no early withdrawal penalty for emergencies
Promotional rate · 2.95% interest rate
Rate checked
More details - 2.07%APY$51 over 3 months on $10,000
Requirements
Product: Earn a fixed rate of interest for a fixed period of time.
Rate checked
More details - 2.00%APY$66 over 4 months on $10,000
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 120 Days term.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tinker Federal Credit UnionSave & Build CertificateCD · 18 months · $25 min · 0.65%–2.02% by balance
Credit union · 2 branches
0.65%APY$98 over 18 months on $10,000with conditionsRequirements
Product: 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.
Offer: Fixed dividend rate on balance of $5,000 or less.
Qualified rate · 2.00% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Save & Build Certificate Balance APY Up to $5,000 2.02% $5,000 and upYour amount 0.65% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Enid, OK
61 CDs at 8 banks and credit unions · checked Oct 5–16
- Typical
- 3.00%
- Top 10% from
- 3.79%
- Banks, typical
- 2.85%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Enid, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch