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/A1.50%1.60%
12 months1.70%1.70%1.80%
13 months**2.55%2.55%2.65%
18 months1.85%1.85%1.95%
24 months2.00%2.00%2.10%
36 months**2.30%2.30%2.40%
48 months2.50%2.50%2.60%
60 months2.60%2.60%2.70%
72 months2.70%2.70%2.80%


Money Market Rates

Type APYMinimum Deposit to Earn
IRA Money Fund0.25%$5.00
IRA/Jumbo Money Fund0.30%$100,000
Money Market Tier 10.25%$2,500
Money Market Tier 20.40%$25,000
Money Market Tier 30.50%$125,000
Money Market Tier 40.70%$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 January 7, 2019

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.