Call 918-699-7100 or 800-364-3628 for more details.

  • Certificate dividends compound quarterly.
  • Funds are federally insured up to $250,000 by the NCUA.

Share Certificate Rates

TermAPY $500***APY $1000 & upAPY $100,000 & up
6 monthsN/A1.10%1.20%
7 months**N/A1.60%1.70%
13 months**2.05%2.05%2.15%
12 months1.40%1.40%1.50%
18 months1.55%1.55%1.65%
24 months1.75%1.75%1.85%
36 months** 2.55%2.55%2.65%
48 months2.05%2.05%2.15%
60 months2.25%2.25%2.35%
72 months2.35%2.35%2.45%


Money Market Rates

Type APYMinimum Deposit to Earn
IRA Money Fund0.25%$5.00
IRA/Jumbo Money Fund0.30%$100,000
Money Market Tier 10.20%$2,500
Money Market Tier 20.30%$25,000
Money Market Tier 30.40%$125,000
Money Market Tier 40.60%$250,000


Savings and Checking

TypeAPYMinimum Deposit to Earn
Money Market E-Checking0.00%$3,000
Money Market E-Checking0.10%$5,000
Money Market E-Checking0.10%$25,000
Holiday Club0.15%$5
Kid Cash Club0.15%$25


Effective July 2, 2018

APY-Annual Percentage Yield.

*Advertised rate is for Jumbo Certificates. Jumbo certificates are defined as certificates of $100K or more.

**APY = Annual Percentage Yield – Rates and promotional offers are subject to change or cancellation at any time. A penalty may be charged for early withdrawal that could reduce earnings. Certificate will automatically renew at standard terms (7-month promo will renew to a 6-month certificate at maturity, the 13-month promo will renew to a 12-month certificate at maturity, the 36-month promo will renew to another 36-month certificate at maturity). Standard Energy One membership and eligibility required to open a certificate. Other restrictions may apply. Federally insured by the NCUA.

***Available for Kids’ Cash Club and Young Savers (birth to 21 years) only.