Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Tulsa, OK metro
- Communication Federal Credit UnionShare CertificateCD · 13 months · $1,000 min
Credit union · 5 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
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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
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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
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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
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More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawal subject to penalty (12 months interest). APY assumes monthly compounding.
Offer: Monthly compounding; early withdrawal penalty applies.
4.17% interest rate · Effective Jul 29, 2026
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More details - 4.20%APY$313 over 9 months on $10,000
4.12% interest rate · Effective Sep 25, 2026
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More details - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties apply (31 days interest for 91 days - 12 months; 91 days interest for 18 - 36 months; 182 days interest for 48 - 60 months). Automatic renewal at maturity for the same term and current rate. 10-day grace period from maturity date to withdraw funds without penalty. Once opened, deposits are not allowed except during the grace period. Interest is based on the average daily balance.
Offer: Early withdrawal penalty of 91 days interest.
4.14% interest rate · Effective Oct 13, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Promotional rate; tier for balance $500
Promotional rate · Effective Sep 14, 2026
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More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 3 branches
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
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More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 3 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
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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
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More details - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: Penalty with early withdrawal of CD. Fees may reduce the Annual Percentage Yield.
Offer: Personal Special
3.97% interest rate · Effective Oct 5, 2026
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More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Terms range from 6 months to 5 years. Can open 6, 12, and 24-month CDs up to $250,000 online; other terms/amounts call 918.392.2500.
Offer: Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply. Open up to $250,000 online.
Effective Oct 15, 2026
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More details - 3.95%APY$229 over 7 months on $10,000
Requirements
Product: Applicants must be 18 years or older. Automatically renewable. Substantial penalty for early withdrawal. Fees may reduce earnings.
Offer: CD Specials have a minimum $2,500 balance to open and obtain advertised APY.
3.88% interest rate · Effective Oct 2, 2026
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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 Tulsa, OK metro
380 CDs at 43 banks and credit unions · checked Oct 5–22
- Typical
- 3.00%
- Top 10% from
- 3.85%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.25%
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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