Tinker FCU (OK) Adds 24-Month Special CD


Deal Summary: 24-Month Special Term Share Certificate, 2.43% APY, $2.4k minimum deposit.

Availability: Residents of Payne, Pontotoc, and Seminole Counties, OK; 800+ Business Partners; Military and civilian personnel at Tinker AFB or Vance AFB.

Over the weekend, Tinker Federal Credit Union (TFCU) added a 24-Month Special Term Share Certificate (2.43% APY). This limited-time offer requires a $2.4k minimum deposit, with no stated balance cap.

2.68%$2.4k-Tinker Federal Credit Union24 Month Share Certificate Special
2.68%$2.4k-Tinker Federal Credit Union24 Month IRA Share Certificate Special (Traditional, Roth, CESA)
Rates as of September 24, 2018.

The Special Term Share Certificate is also available as an IRA (Traditional, Roth, CESA) earning the same APY with the same funding requirements.

As stated on the Current Savings Rates page, the Early Withdrawal Penalty is a "180-day early withdrawal penalty."


Headquartered in Oklahoma City, Tinker Federal Credit Union’s Membership page states, “There are over 700 ways to qualify for membership at Tinker Federal Credit Union!” Here are just a few ways to qualify:

Residency - Individuals who live, work, worship, or attend school in the Oklahoma counties of Payne, Pontotoc, and Seminole, or the Oklahoma City’s Empowerment Zone are eligible to join.

Business Partners - Employees and members of the more than 800 Business Partners qualify for membership.

Government Employment - Elected officials and employees of the cities of Ada, Arcadia, Del City, Edmond, Enid, Luther, Moore, Norman, Nash, Yukon, or Garfield County or Cleveland County are welcome to apply.

Military Relationship - Military or civilian personnel of the U.S. Government assigned to Tinker Air Force Base or Vance Air Force Base are eligible for membership.

Family Relationship - Immediate family (spouse, child, sibling, parent, grandchild, including “steps” and adoptive) of current TFCU members or membership-eligible individuals qualify for membership.

More information is available on TFCU’s Union’s Membership page.

Joining TFCU and/or opening a Special Term Share Certificate can be done online or at any of 31 Oklahoma branches, located in Ada, Bethany, Edmond (2), Enid (2), Midwest City (2), Moore, Norman (2), Oklahoma City (12), Seminole, Shawnee, Stillwater, Tinker AFB (2), Tulsa (2), and Yukon.

Credit Union Overview

Tinker Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 4.65% (excellent), based on September 30, 2017 data. In the past year, TFCU increased its total non-brokered deposit by $95.8 million, an excellent annual growth rate of 3.04%. Please refer to our financial overview of Tinker Federal Credit Union (NCUA Charter # 24524) for more details.

Tinker Federal Credit Union is Oklahoma’s largest credit union, with more than 356,500 members and assets in excess of $3.7 billion. What began in 1946 as a small credit union for Tinker Field civilian employees, has grown into the nation’s 49th largest credit union.

According to a Credit Union Times January 2018 article,

Oklahoma’s largest credit union helped police bust an auto loan fraud scheme that involved 22 people.

Employees responsible for due diligence on loan applications at the $3.7 billion Tinker Federal Credit Union in Oklahoma City initially detected that several people allegedly applied for car loans with fraudulent information from April 2016 to September 2016.

Tinker handed over its information to the Tulsa Police Department, which investigated the bogus car loan applications and began arresting 22 suspects last week.

How the Special Term Share Certificate Compares

When compared to the 258 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit are available with the FOM, Tinker Federal Credit Union's 24-month Special Term Share Certificate APY currently ranks second.

The above rates are accurate as of 3/7/2018.

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

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

Top CD & Reward Checking Rates at Tinker FCU in Oklahoma - Local Only

Tinker Federal Credit Union has several good deposit deals on both CDs and a reward checking account. For CDs and IRA CDs, the best rates include a 2.32% APY 3-year CD and a 2.53% APY 4-year CD. Minimum deposit is $99K. Rates that are 15 basis points lower are available with a $10K minimum deposit. These rates are listed in the credit union's rates page as of 1/7/2011.

The credit union's reward checking account is called Click Checking and it has a rate of 3.25% APY on balances up to $30K,...

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