Oklahoma's Credit Union Debuts 37-Month CD Special, 3.66% APY


Deal Summary: 37-month CD Special, 3.66% APY, $5k minimum deposit.

Availability: Residents of eight central Oklahoma counties; nearly 300 Employee Partners.

Oklahoma’s Credit Union (OKCU) started the week by unveiling a 37-month CD Special, earning 3.66% APY. This limited-time special can be opened with a minimum $5k deposit, with no stated balance cap.

The CD Special is offered as an IRA (Traditional, Roth, CESA, SEP, SIMPLE), earning the same APY with the same funding requirements.

As stated in the Rate and Fee Schedule, the Early Withdrawal Penalty reads as follows:

For terms over 12 months, the early withdrawal penalty is dividends earned, up to 180 days.


Headquartered in Oklahoma City, Oklahoma's Credit Union field of membership (FOM) is primarily residency-based, with individuals who live, work, worship, or attend school in Canadian, Cleveland, Grady, Lincoln, Logan, McClain, Oklahoma, or Pottawatomie Counties, Oklahoma eligible to join.

Employees of nearly 300 Employee Partners also qualify for membership, as do employees of any Oklahoma state agency that does not have its own credit union.

Joining OKSU can be done online or at any of six full-service Oklahoma branches, located in Edmond, Oklahoma City (3), Tulsa, and Vinita.

While checking and savings accounts can be opened online, opening a CD requires an in-person visit to any of the above mentioned branch locations.

Credit Union Overview

Oklahoma's Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 1.33% (excellent) based on September 30, 2018 data. In the past year, OKCU has increased its total non-brokered deposits by $4.78 million, resulting in an above average annual growth rate of 1.21%. Please refer to our financial overview of Oklahoma's Credit Union (NCUA Charter # 65032) for more details.

Founded in 1954 as the Oklahoma Employees Credit Union, the Credit Union’s original FOM was exclusive to State of Oklahoma employees. The FOM expanded in 2003 when an open community charter was adopted, allowing virtually anyone in the Oklahoma City metro area to join. In 2009, Oklahoma City Thrift Federal Credit Union merged into Oklahoma Employees Credit Union. The Oklahoma’s Credit Union re-brand occurred at the beginning of 2018, as the Credit Union sought a name that better described its membership. OKCU is currently the ninth largest credit union in Oklahoma, with more than 42,400 members and assets in excess of $497 million.

How the CD Special Compares

When compared to 268 similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM and require a similar minimum deposit, Oklahoma's Credit Union's 37-month CD Special APY currently ranks first.

The above rates are accurate as of 1/10/2019.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Oklahoma City CD rates, Tulsa CD rates, 5-year CD rates

jimdog   |     |   Comment #1
Appears to be a great rate for large IRA holders, since there is no penalty upon withdrawal per CD rules.
jimdog   |     |   Comment #2
Should have qualified, no penalty if your 59 1/2, on the IRA
Anonymous   |     |   Comment #3
This looks like a good deal. I've been waiting for a 4% short term CD for some time. Guess I will settle for this 37mo 3.66%.
The online application is quick & easy.
Rosedala   |     |   Comment #4
Indeed it is a great deal in light of rather insecure interest increases this year. I would've jumped at it if available in my part of the world. I especially like their under 5 years. :)
Oklahoma's Credit Union Ups 30-Month CD Special
Deal Summary: 30-month CD Special, 3.05% APY, $10k minimum deposit.

Availability: Residents of eight central Oklahoma counties.

Earlier this month, Oklahoma’s Credit Union (OKCU) raised the rate on its 30-month CD Special to 3.05% APY. The minimum opening deposit is $10k, with no stated balance cap.

The CD Special is offered as an IRA (Traditional, Roth, CESA, SEP, SIMPLE), earning the same APY with the same funding requirements.

Introduced in March 2017 earning 1.50% APY, the 30-month CD Special’s rate remained static until this past April. A total of...

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