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Certificates

One of the best things about OKCU is that we're constantly monitoring the competition to make sure you're earning more and saving time with our certificate rates.

Check Today's Rates
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One of the best things about OKCU is that we're constantly monitoring the competition to make sure you're earning more and saving time with our certificate rates. Check Today's Rates

"I've saved too much," said no one ever!

Your nest egg is never going to be big enough and you're not a fan of risk. No worries, we've got you covered. A certificate is going to be safe and have a guaranteed rate.

A safe and secure investment is in your future

  • Low opening balances
  • Flexible terms ranging from 6 to 60 months
  • No risk of losing your principal balance
  • Earn a guaranteed rate for the term of your certificate
  • Your money is always accessible by calling us.
  • Federally insured by the NCUA (it's like the FDIC but for credit unions)

Call and speak with a Certificate PRO today

APY stands for Annual Percentage Yield and applies to deposits. A higher APY means you'll earn more interest on your deposit account. The APY reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The APY is based on the assumption that dividends will remain on deposit until maturity.

The dividend rate reflects the rate earned with the removal of compounded divdends. 

Call and speak with a Certificate PRO today

This savings strategy may allow you to maximize your earnings while still having access to your money on a regular basis. For example, instead of opening a $5000 certificate for 5 years you would open five certificates for $1,000 each for the following terms:

  • 12 months
  • 24 months
  • 36 months
  • 48 months
  • 60 months

As each certificate matures you can use the funds you need or roll them in to a new certificate.

Call and speak with a Certificate PRO today

Transparency is important to us. Our fine print is actually the same size as anything else we talk about. For all the legal speak please review the current Rate and Fee Schedule. Here are the highlights.

  • Scheduled close-outs are permitted.
  • Certificates will automatically renew for another term at maturity.
  • After the certificate matures, you have a 7 day grace period to make a deposit or withdraw the funds.
  • A penalty may be imposed if you withdraw the funds before the maturity date
  • Early withdrawal penalties
    • 6 - 12 month certificates - dividends earned, up to 90 days
    • 13 - 60 month certificates - dividends earned, up to 180 days
    • See the Rate & Fee Schedule for early withdrawal exceptions

Review the Rate and Fee Schedule for all the details

LET THE EQUITY IN YOUR HOME WORK FOR YOU.

LET THE EQUITY IN YOUR HOME WORK FOR YOU.

Whether you’re looking to consolidate your debt, take a vacation or do some remodeling, you can use the equity in your home without touching your first mortgage.

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Happy To Help Stories

Why do our members love being part of OKCU? Find out below.

  • Evelyn S.

    The savings account with OKCU has encouraged my children to continue to save with OKCU since elementary school. Now they are in college and still keep their savings accounts open with OKCU.

    – Evelyn S.

  • OECU Happy Face

    OKCU helped me move funds from my savings account to my daughter's - even when I did not know my account number - to help her with college.

    – Susan O.

  • Mary M.

    OKCU helped me start a savings account by the automatic withdrawal from payroll check once a month. I don't even miss the money.

    – Mary M.

  • Adriana M.

    Starting my savings account at 16 really increased my confidence because I was able to feel like a young, responsible adult.

    – Adriana M.

  • Jennifer B.

    I feel like I am a part of a family with OKCU, as they go above and beyond to make sure I am taken care of.

    – Jennifer B.

  • Connie H.

    You just don't get this kind of service from a bank. I know with OKCU, I am not just a number on a page but a person that matters to my OKCU bankers.

    – Connie H.