Oklahoma

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Credit Union CD Rates Oklahoma

You are viewing rates from credit unions across Oklahoma





Below are the best one year CD Rates from credit unions in Oklahoma. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

OK - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 4.64% → 4.63%

Rate History: 4.60% → 4.25% → 4.15%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 4.81% → 3.91%

Rate History: 2.70% → 3.00% → 3.25% → 4.00% → 3.75%

3.50%

0.50%

$50,000

$1,000

-

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Rate History: 4.00% → 3.75% → 3.25%

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

2.11%

$1,000

-

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Rate History: 1.35% → 1.70%

0.96%

$100,000

-

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Weokie


Restrictions

0.95%

$100,000

-

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Lifetime


Restrictions

0.86%

$10,000

-

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0.85%

$100,000

-

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Weokie


Restrictions

0.85%

$10,000

-

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0.85%

$10,000

-

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0.85%

$100,000

-

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0.85%

$10,000

-

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0.81%

$10,000

-

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| Jan 14, 2022

Shout out to Lisa at the Yukon Branch Very helpful and nice Read More

0.80%

$1,000

-

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0.80%

$10,000

-

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0.80%

$100,000

-

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0.80%

$100,000

-

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0.75%

$100,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$100,000

-

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0.70%

$10,000

-

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| Nov 8, 2019

Have my information stolen at least once a year and can are exceedingly difficult to get a hold of about it or to stop future theft. They just transfer you to a different company and wash their hands of yo... Read More

0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.45%

$1,000

-

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0.45%

$100,000

-

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0.40%

$100,000

-

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0.35%

$100,000

-

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| Nov 23, 2022

have been banking with FSFCU since 1994 when i joined active duty. I kept my account here after i came off of active duty in 2006 and joined the Army Reserves. Unfortunately some way my card seems to get c... Read More

0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

Edu


Restrictions

0.10%

$500

-

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116


Branch Street City State
ADVANCIAL
Advancial Advancial Branch
701 NW 63rd St, Ste 100 Oklahoma City OK
OKLAHOMA
Oklahoma Oklahoma Branch
517 NE 36th St Oklahoma City OK
DEPARTMENT OF PUBLIC SAFETY
Department Of Public Department Of Public Branch
3600 N. Martin Luther King Blvd, Ro Oklahoma City OK
ADVANCIAL
Advancial Advancial Branch
701 NW 63rd St, Ste 100 Oklahoma City OK
OKLAHOMA
Oklahoma Oklahoma Branch
517 NE 36th St Oklahoma City OK
MTC
Mtc Mtc Branch
1103 Michelin Rd Ardmore OK
AMERICAN AIRLINES
American Airlines American Airlines Branch
AAFCU - Broken Arrow Branch, 439 W. StoneWood Dr. Broken Arrow OK
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Rich Plaza, 3414 NW Cache Road Lawton OK
OKLAHOMA
Oklahoma Oklahoma Branch
517 NE 36th St Oklahoma City OK
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
Rich Plaza, 3414 NW Cache Road Lawton OK
MTC
Mtc Mtc Branch
1103 Michelin Rd Ardmore OK
AMERICAN AIRLINES
American Airlines American Airlines Branch
AAFCU - Broken Arrow Branch, 439 W. StoneWood Dr. Broken Arrow OK
TINKER
Southwest Drive-thru Southwest Drive-thru Branch
1200 SW 89th St Oklahoma City OK
TINKER
Southwest Drive-thru Southwest Drive-thru Branch
1200 SW 89th St Oklahoma City OK
U. S. EMPLOYEES O. C.
Use Federal Credit Union - Main Office Use Federal Credit Union - Main Office Branch
4301 S INTERSTATE 44 SERVICE RD OKLAHOMA CITY OK
OKLAHOMA
Oklahoma Oklahoma Branch
517 NE 36th St Oklahoma City OK
TINKER
Southwest Drive-thru Southwest Drive-thru Branch
1200 SW 89th St Oklahoma City OK
TINKER
Southwest Drive-thru Southwest Drive-thru Branch
1200 SW 89th St Oklahoma City OK
GREEN COUNTRY
Sand Springs Communi Sand Springs Communi Branch
202 E Morrow Road Sand Springs OK
TINKER
Southwest Drive-thru Southwest Drive-thru Branch
1200 SW 89th St Oklahoma City OK
FARMERS INSURANCE
Farmers Insurance Gr Farmers Insurance Gr Branch
2401 NW 23rd St., Suite 49 Oklahoma City OK
DEPARTMENT OF PUBLIC SAFETY
Department Of Public Department Of Public Branch
3600 N. Martin Luther King Blvd, Ro Oklahoma City OK
DEPARTMENT OF PUBLIC SAFETY
Department Of Public Department Of Public Branch
3600 N. Martin Luther King Blvd, Ro Oklahoma City OK
CREDIT UNION ONE OF OKLAHOMA
Credit Union One Of Credit Union One Of Branch
3330 N. Lincoln Blvd Oklahoma City OK
CREDIT UNION ONE OF OKLAHOMA
Credit Union One Of Credit Union One Of Branch
3330 N. Lincoln Blvd Oklahoma City OK
ALLEGIANCE
Allegiance Allegiance Branch
4235 N Meridian Oklahoma City OK
RED CROWN
Red Crown Red Crown Branch
5001 E 91st Street Tulsa OK
OKUNITY
Student Union Student Union Branch
54 Student Un Stillwater OK
WESTERN SUN
Western Sun Western Sun Branch
4620 W. Kenosha Broken Arrow OK
THE FOCUS
The Focus The Focus Branch
420 NE 10th St Oklahoma City OK
CENTRAL OKLAHOMA
Central Oklahoma Central Oklahoma Branch
900 Broadway Davenport OK
TRUE SKY
Faa Faa Branch
10201 S. Western Avenue Oklahoma City OK
COMMUNICATION
Bixby Bixby Branch
11894 S Memorial Dr Bixby OK
WESTERN SUN
Western Sun Western Sun Branch
4620 W. Kenosha Broken Arrow OK
WESTREET
Tulsa Tulsa Branch
9323 E 21ST STREET TULSA OK
ENERGY ONE
Tdt Tdt Branch
220 W 7th St Tulsa OK
OKLAHOMA EDUCATORS
Oklahoma Educators Oklahoma Educators Branch
6001 NORTHWEST EXPRESSWAY OKLAHOMA CITY OK
MUSKOGEE
Muskogee Muskogee Branch
1910 West Shawnee St. Muskogee OK
WESTREET
Tulsa Tulsa Branch
9323 E 21ST STREET TULSA OK
ENERGY ONE
Tdt Tdt Branch
220 W 7th St Tulsa OK
SOUTHWEST OKLAHOMA
Southwest Oklahoma Southwest Oklahoma Branch
1806 NW Liberty Ave Lawton OK
ALLEGIANCE
Allegiance Allegiance Branch
4235 N Meridian Oklahoma City OK
CHEROKEE STRIP
Cherokee Strip Cherokee Strip Branch
1508 East Prospect Ponca City OK
FIRST FAMILY
First Family First Family Branch
402 E Main St Henryetta OK
RED CROWN
Red Crown Red Crown Branch
5001 E 91st Street Tulsa OK
OKLAHOMA EDUCATORS
Oklahoma Educators Oklahoma Educators Branch
6001 NORTHWEST EXPRESSWAY OKLAHOMA CITY OK
GREEN COUNTRY
Sand Springs Communi Sand Springs Communi Branch
202 E Morrow Road Sand Springs OK
RED RIVER
Red River Red River Branch
2721 N Main Street Altus OK
TRUITY
Truity Federal Credit Union Truity Federal Credit Union Branch
501 S Johnstone Ave Bartlesville OK
COMANCHE COUNTY
Comanche County Comanche County Branch
916 W Gore Blvd Lawton OK
EL RENO R.I.L.
Main Main Branch
320 S Rock Island Ave El Reno OK
FORT SILL
Fort Sill Fort Sill Branch
4116 Thomas Street Fort Sill OK
TRUITY
Truity Federal Credit Union Truity Federal Credit Union Branch
501 S Johnstone Ave Bartlesville OK
EL RENO R.I.L.
Main Main Branch
320 S Rock Island Ave El Reno OK
SOUTHWEST OKLAHOMA
Southwest Oklahoma Southwest Oklahoma Branch
1806 NW Liberty Ave Lawton OK
COMANCHE COUNTY
Comanche County Comanche County Branch
916 W Gore Blvd Lawton OK


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the  Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s  Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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