Certificates (CDs) in Tulsa

A certificate, also called a CD, is a savings account that earns a fixed rate for a set term, from 6 to 60 months. In exchange for leaving your money in for the full term, you earn a higher guaranteed return than a regular savings account. 

Your CD rate depends on the term you choose, and it's locked in for the full term. See our current CD rates in Tulsa in the rate table above. 

You need $1,000 to open a certificate, and you'll keep at least $1,000 in it for the full term.

Choose a term that matches when you'll need the money. If you might need it sooner, a shorter term avoids early withdrawal penalties. If you won't need it for a few years, a longer term can lock in a higher rate. Read our guide to choosing a CD term.

Your certificate renews automatically for the same term at the current rate unless you tell us otherwise. You can also add money when it matures.

Yes, but a penalty applies to early withdrawals. If you might need your money before the term ends, a money market account gives you more access. 

Yes. Jumbo certificates are available for balances of $100K or more. Contact us for current jumbo CD rates. 

Yes. Your accounts are insured up to $250,000 by the NCUA, plus an additional $250,000 by Excess Share Insurance. Learn more about account insurance. 

You can open a certificate online or at any of our Tulsa-area branches, including Broken Arrow, Owasso, and Jenks. Find a branch near you. Not a member yet? Learn how to join Oklahoma Central. Membership conditions may apply.