Mobile login panel opened. Press Escape to dismiss.
Get up to 2.50% APY* with a Money Market Checking account.
Get up to 2.50% APY*

Get up to 2.50% APY* with a Money Market Checking account.

Learn More
Site Search

Certificate of Deposit

No need to look for a pot of gold. An OKCU certificate of deposit helps you earn money safely and securely with a competitive rate.

A Safe Way to Save


With a guaranteed rate, a certificate of deposit is a low risk method of saving money. Learn about the benefits of an OKCU certificate.

Low opening balances
Flexible terms

Certificate terms range from 6 to 60 months.

Guaranteed rate

Earn a guaranteed rate for the term of your certificate.

Accessible funds

Your money is always accessible by contacting us*.

Federally insured

Funds are federally insured by NCUA.

Open a Certificate of Deposit


Open a competitive rate certificate of deposit today, all online. It only takes a few minutes.


Open an account online using the link below


Choose your term


Choose your deposit amount


Complete the application

Wait for the certificate to mature and enjoy your earnings!

Make the Most of your Money with a Certificate Laddering Strategy


Looking for a strategy to maximize your earnings? Certificate laddering allows you to do so while having access to your money on a regular basis. For example, instead of opening a $5,000 certificate for 5 years you would open 5 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 into a new certificate.


Find the Right Savings Account for You

Your savings account should help you meet your goals. Whether you’re saving for a house or want to earn a little extra, there’s an OKCU savings account for you.

View Today’s Certificate of Deposit Rates

View OKCU’s competitive certificate rates to see how much you can earn in interest.

Happy to Help

With OKCU’s help, I will be able to retire debt free and continue a beneficial relationship with them for years to come!
0 Years
Helping Oklahomans

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 or would be earned, up to 90 days
  • 13 - 60 month certificates - dividends earned or would be earned, up to 180 days
  • See the Rate & Fee Schedule for early withdrawal exceptions