Compare Bank & Credit Union Rates
Best CD rates in Owasso, OK
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Owasso, 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 - 4.30%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$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 - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
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More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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More details - TTCU Federal Credit UnionCertificatesCD · 48 months · $1,000 min · 3.75%–4.15% by balance
Credit union · 1 branch
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: 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.
Offer: Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.75% $50,000 and upJumbo rate tier. 3.95% $200,000 and upSuper jumbo rate tier. 4.15% Rate checked
More details - 3.70%APY$1,152 over 36 months on $10,000
Requirements
Product: $1,000 minimum balance to maintain. Deposits are only allowed at time of opening and maturity. Penalty for early withdrawal. Membership conditions may apply.
Offer: Dividends compounded and paid monthly. Early withdrawal penalty applies. Automatic renewal at maturity for the same term with new available rate if no instructions given.
Effective Oct 9, 2026
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More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. 7-month Certificate automatically renews into a 6-month Certificate; all other terms automatically renew with the same term. No maintenance fees.
Offer: Quarterly compounding. Early withdrawal penalty may be imposed.
3.60% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Tinker Federal Credit UnionStarting Line Share CertificateCD · 12 months · $25 min
Credit union · 1 branch
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 - Western Sun Federal Credit UnionRegular CertificateCD · 48 months · $1,000 min
Credit union · 1 branch
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: 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.
Offer: All early withdrawals may result in up to a 90 days loss of dividends.
3.40% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate checked
More details - 3.35%APY$681 over 24 months on $10,000
Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. Allows rate change request once during a 24-month term and twice during a 48-month term after the first 7 days. No maintenance fees.
Offer: Quarterly compounding. Allowed a dividend rate change once during each term or renewal term. Early withdrawal penalty may be imposed.
3.31% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Interest compounded and credited monthly. Interest payment options available. Convenience of automatic renewal. Terms range from 30 days to 5 years with fixed, variable, or pop-up options. A penalty may be imposed for early withdrawal. Assumes interest will remain on deposit until maturity. Fees could reduce earnings.
Offer: 60 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal.
3.20% interest rate · Effective Oct 2, 2026
Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 1 branch
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
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 Owasso, OK
162 CDs at 11 banks and credit unions · checked Oct 15–16
- Typical
- 2.65%
- Top 10% from
- 3.70%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.35%
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Tulsa, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 3 branches
- UMB BankBank · 1 branch