Compare Bank & Credit Union Rates
Best CD rates in Oklahoma City, OK
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Oklahoma City, OK
- 4.40%APY$1,057 over 28 months on $10,000
Requirements
Product: Membership eligibility is required. $1,000 minimum opening deposit required. Fixed dividend rate. Early withdrawal penalty: 1% of the amount withdrawn for terms of 12 months or less, and 3% for terms greater than 12 months. Additional deposits permitted anytime.
Offer: APY will vary based on the daily balance maintained.
Effective Sep 28, 2026
Rate checked
More details - Communication Federal Credit UnionShare CertificateCD · 13 months · $1,000 min
Credit union · 10 branches
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 - 4.32%APY$469 over 13 months on $10,000intro rate
Requirements
Product: Dividends compounded quarterly. Penalty for early withdrawal. Maximum deposit limit of $300,000. Jumbo bonus offers +5 bps over $50,000 and +10 bps over $100,000 (does not apply to 13-month special). Rate match available up to 25 bps against competitors.
Offer: Offer valid until $700,000 in promotional CD deposits received or 12/18/26, whichever comes first. Requires new money not on deposit at ECU. Funds withdrawn and redeposited during promo period are not eligible. CD Jumbo Bonus does not apply. Rolls over to standard 12-month CD at maturity. Penalty for early withdrawal.
Promotional rate · 4.25% interest rate · Compounded quarterly · Balance cap $300,000
Rate checked
More details - 4.30%APY$689 over 19 months on $10,000
Requirements
Product: Federally insured by NCUA. Early withdrawal penalties apply (6-12 month: up to 90 days dividends; 13-60 month: up to 180 days dividends). Certificates renew automatically at maturity with a 7-day grace period.
Offer: Promotional rate. Limited time only. At maturity, automatically renews as a standard 18 month term certificate. Penalties for early withdrawal reduce earnings.
Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: May be subject to an early withdrawal penalty. Rates may change after account is opened without prior notice. Fees could reduce earnings on account.
4.17% interest rate · Effective Sep 25, 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 - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.15%APY$450 over 13 months on $10,000
Requirements
Product: $500 minimum to open regular share certificates. An early withdrawal penalty may apply if principal is withdrawn before maturity. Account fees could reduce earnings. ACU membership required.
Offer: 13 Month Promo offer may be withdrawn at any time.
4.07% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: No monthly maintenance fees. Minimum opening balance of $1,000 is required. Fixed interest rates. A penalty will be imposed for early withdrawal.
Offer: 6-12 Month CD has a 3 Month Interest Penalty for early withdrawal.
Effective Jul 20, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min
Credit union · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.
Promotional rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Rates may vary by bank location. In most cases, CDs automatically renew with a 10-day grace period. Early withdrawal penalty is 3 months interest for terms <= 12 months, 6 months interest for terms > 12 months. $500 minimum opening deposit with automatic renewal, or $2,500 minimum opening deposit without automatic renewal for 3-, 6-, and 9-month terms.
Offer: Featured Rate. $500 minimum opening deposit with automatic renewal; $2,500 minimum opening deposit without automatic renewal.
Rate checked
More details - Farmers Insurance Federal Credit UnionNo Penalty 9-Month CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.
Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.
Promotional rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Open to members who live, work, worship, or attend school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, and Grady Counties. $1,000 minimum to open ($500 minimum for minors). Early withdrawal penalty may apply. Certificate renews at the standard rate for a 12-month term.
Offer: For amounts of $1,000 and over. Early withdrawal penalties apply. Certificate renews at the standard rate for a 12-month term.
3.92% interest rate · Effective Aug 28, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: Promotional CD rate. Available only for new members. Early withdrawal penalty may apply. Maximum deposit $100,000. Federally insured by NCUA.
Offer: Only for new members. Mention offer code CDQ422 at branch or online form.
Promotional rate · Balance cap $100,000
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 Oklahoma City, OK
359 CDs at 37 banks and credit unions · checked Oct 5–22
- Typical
- 2.80%
- Top 10% from
- 3.86%
- Banks, typical
- 2.05%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Oklahoma City, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 12 branches
- Bank of CommerceBank · 1 branch
- Farmers Insurance Federal Credit UnionCredit union · 1 branch