Tinker Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Tinker Federal Credit Union's highest tracked CD (share certificate) rate is 4.40% APY on a 60-month CD ($99,000 minimum). That is 3.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.94% to 4.40% APY.
Rates last changed .
With $10,000 and no relationship requirement: 3.99% on 60 months
Tinker Federal Credit Union CD & share certificate rates
Membership required ($5 primary share account). Personal certificates include Starting Line, Save & Build and term share certificates. Term shares quote separate balance tiers from $1,000 to $99,000+, with an IRA-only $500 tier excluded. Save & Build requires digital banking and an open share draft account, plus the stated age and credit qualifications. Early withdrawal penalties are listed by term.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Term Share Certificate | $99,000 | 3.41% | −0.88% | Top 28% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Term Share Certificate | $50,000 | 3.30% | −1.00% | Top 32% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Term Share Certificate | $25,000 | 3.20% | −1.09% | Top 37% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Term Share Certificate | $10,000 | 3.10% | −1.19% | Top 38% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Term Share Certificate | $1,000 | 2.94% | −1.35% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Term Share Certificate | $99,000 | 3.96% | −0.44% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Term Share Certificate | $50,000 | 3.85% | −0.55% | Top 24% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Term Share Certificate | $25,000 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Term Share Certificate | $10,000 | 3.54% | −0.86% | Top 44% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Term Share Certificate | $1,000 | 3.39% | −1.01% | Top 51% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Certificate | $99,000 | 4.01% | −0.47% | Top 17% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Certificate | $50,000 | 3.90% | −0.58% | Top 31% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Certificate | $25,000 | 3.80% | −0.68% | Top 38% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Certificate | $10,000 | 3.59% | −0.89% | Top 53% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Certificate | $1,000 | 3.44% | −1.04% | Top 64% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Term Share Certificate | $99,000 | 4.11% | −0.46% | Top 18% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Term Share Certificate | $50,000 | 4.01% | −0.56% | Top 20% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Term Share Certificate | $25,000 | 3.90% | −0.67% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Term Share Certificate | $10,000 | 3.70% | −0.87% | Top 48% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Starting Line Share Certificate | $25 | 3.54% | −1.03% | Top 54% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Term Share Certificate | $1,000 | 3.54% | −1.03% | Top 54% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Save & Build Certificate Relationship | $25 | 2.02% | −2.70% | Verified October 22, 2026 |
| 18 months | Save & Build Certificate Relationship | $5,000 | 0.65% | −4.07% | Verified October 22, 2026 |
| 24 months | Term Share Certificate | $99,000 | 4.26% | −0.61% | Top 10% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Term Share Certificate | $50,000 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Rate Booster | $99,000 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Term Share Certificate | $25,000 | 4.05% | −0.82% | Top 20% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Rate Booster | $50,000 | 4.05% | −0.82% | Top 20% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Rate Booster | $25,000 | 3.94% | −0.93% | Top 27% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Term Share Certificate | $10,000 | 3.84% | −1.03% | Top 31% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Rate Booster | $10,000 | 3.74% | −1.13% | Top 39% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Term Share Certificate | $1,000 | 3.69% | −1.18% | Top 40% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Rate Booster | $1,000 | 3.58% | −1.29% | Top 46% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Term Share Certificate | $99,000 | 4.31% | −0.64% | Top 8% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Term Share Certificate | $50,000 | 4.20% | −0.75% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Rate Booster | $99,000 | 4.20% | −0.75% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Term Share Certificate | $25,000 | 4.10% | −0.85% | Top 14% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Rate Booster | $50,000 | 4.10% | −0.85% | Top 14% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Rate Booster | $25,000 | 4.00% | −0.95% | Top 22% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Term Share Certificate | $10,000 | 3.89% | −1.06% | Top 24% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Rate Booster | $10,000 | 3.79% | −1.16% | Top 28% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Term Share Certificate | $1,000 | 3.74% | −1.21% | Top 33% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Rate Booster | $1,000 | 3.63% | −1.32% | Top 36% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Term Share Certificate | $99,000 | 4.36% | −0.62% | Top 6% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Term Share Certificate | $50,000 | 4.26% | −0.72% | Top 8% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Rate Booster | $99,000 | 4.26% | −0.72% | Top 8% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Term Share Certificate | $25,000 | 4.15% | −0.83% | Top 13% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Rate Booster | $50,000 | 4.15% | −0.83% | Top 13% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Rate Booster | $25,000 | 4.05% | −0.93% | Top 15% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Term Share Certificate | $10,000 | 3.94% | −1.04% | Top 20% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Rate Booster | $10,000 | 3.84% | −1.14% | Top 23% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Term Share Certificate | $1,000 | 3.79% | −1.19% | Top 23% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Rate Booster | $1,000 | 3.69% | −1.29% | Top 28% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Term Share Certificate | $99,000 | 4.40% | −0.61% | Top 10% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Term Share Certificate | $50,000 | 4.30% | −0.71% | Top 11% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Rate Booster | $99,000 | 4.30% | −0.71% | Top 11% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Term Share Certificate | $25,000 | 4.19% | −0.82% | Top 15% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Rate Booster | $50,000 | 4.19% | −0.82% | Top 15% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Rate Booster | $25,000 | 4.09% | −0.92% | Top 17% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Term Share Certificate | $10,000 | 3.99% | −1.02% | Top 23% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Rate Booster | $10,000 | 3.88% | −1.13% | Top 25% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Term Share Certificate | $1,000 | 3.83% | −1.18% | Top 26% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Rate Booster | $1,000 | 3.73% | −1.28% | Top 32% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Tinker Federal Credit Union's best CD rates by term?
Tinker Federal Credit Union's best rate is 4.40% APY on 60 months, verified October 22, 2026.
- 3 mo3.41%
- 6 mo3.96%
- 9 mo4.01%
- 12 mo4.11%
- 18 mo2.02%
- 24 mo4.26%
- 36 mo4.31%
- 48 mo4.36%
- 60 mo4.40%
How much interest could a Tinker Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,160.68 interest · $12,160.68 at maturity on $10,000.00.
3.99% APY · 60 months · Term Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.252.94% APY · Term Share Certificate · Standard | $76.403.10% APY · Term Share Certificate · Standard | $197.103.20% APY · Term Share Certificate · Standard | $406.373.30% APY · Term Share Certificate · Standard |
| 6 months | $84.283.39% APY · Term Share Certificate · Standard | $175.953.54% APY · Term Share Certificate · Standard | $465.723.75% APY · Term Share Certificate · Standard | $956.053.85% APY · Term Share Certificate · Standard |
| 9 months | $128.573.44% APY · Term Share Certificate · Standard | $268.313.59% APY · Term Share Certificate · Standard | $709.823.80% APY · Term Share Certificate · Standard | $1,456.833.90% APY · Term Share Certificate · Standard |
| 12 months | $177.003.54% APY · Starting Line Share Certificate · Standard | $370.003.70% APY · Term Share Certificate · Standard | $975.003.90% APY · Term Share Certificate · Standard | $2,005.004.01% APY · Term Share Certificate · Standard |
| 18 months | $48.870.65% APY · Save & Build Certificate · Relationship | $97.750.65% APY · Save & Build Certificate · Relationship | $244.370.65% APY · Save & Build Certificate · Relationship | $488.740.65% APY · Save & Build Certificate · Relationship |
| 24 months | $375.813.69% APY · Term Share Certificate · Standard | $782.753.84% APY · Term Share Certificate · Standard | $2,066.014.05% APY · Term Share Certificate · Standard | $4,236.114.15% APY · Term Share Certificate · Standard |
| 36 months | $582.243.74% APY · Term Share Certificate · Standard | $1,212.983.89% APY · Term Share Certificate · Standard | $3,202.804.10% APY · Term Share Certificate · Standard | $6,568.304.20% APY · Term Share Certificate · Standard |
| 48 months | $802.193.79% APY · Term Share Certificate · Standard | $1,671.613.94% APY · Term Share Certificate · Standard | $4,415.564.15% APY · Term Share Certificate · Standard | $9,080.054.26% APY · Term Share Certificate · Standard |
| 60 months | $1,033.713.83% APY · Term Share Certificate · Standard | $2,160.683.99% APY · Term Share Certificate · Standard | $5,695.184.19% APY · Term Share Certificate · Standard | $11,715.124.30% APY · Term Share Certificate · Standard |
How Tinker Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 26 of 309 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Tinker Federal Credit Union (this institution)Term Share Certificate · Standard | 60 months | $99,000 | Membership required · branches in OK, TX | 4.40% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
- Save & Build Certificate 18 months ($5,000+): added at 0.65%
- Save & Build Certificate 18 months ($25+): added at 2.02%
- Save & Build Certificate 18 months ($5,000+): withdrawn (was 0.65%)
- Save & Build Certificate 18 months ($25+): withdrawn (was 2.02%)
About Tinker Federal Credit Union
- Legal name
- Tinker Federal Credit Union
- Regulator ID
- NCUA 24524
- Headquarters
- Oklahoma City, OK
- Available in
- OK, TX
- Total assets
- $6.1 billion
- Also known as
- Website
- www.tinkerfcu.org
Source: rates read from https://www.tinkerfcu.org/accounts/current-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Tinker Federal Credit Union?
Among the rates we track, 4.40% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Tinker Federal Credit Union CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $99,000.
How does Tinker Federal Credit Union's best CD rate compare with Treasury yields?
4.40% APY is −0.61% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Tinker Federal Credit Union CDs insured?
Tinker Federal Credit Union is a federally insured credit union (NCUA 24524). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Tinker Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Tinker Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Tinker Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Tinker Federal Credit Union before opening an account. This page is not financial advice.