# Tinker Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/tinker-federal-credit-union
Institution: Tinker Federal Credit Union (NCUA 24524)
Aliases: 
Status: live
Last verified: 2026-10-23T01:52:35.000Z (October 22, 2026)
Official source: https://www.tinkerfcu.org/accounts/current-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Share Certificate | standard | 3 months | $99,000 | 3.41% | Not ZIP-priced | −0.88% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 3 months | $50,000 | 3.30% | Not ZIP-priced | −1.00% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 3 months | $25,000 | 3.20% | Not ZIP-priced | −1.09% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 3 months | $10,000 | 3.10% | Not ZIP-priced | −1.19% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 3 months | $1,000 | 2.94% | Not ZIP-priced | −1.35% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 6 months | $99,000 | 3.96% | Not ZIP-priced | −0.44% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 6 months | $50,000 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 6 months | $25,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 6 months | $10,000 | 3.54% | Not ZIP-priced | −0.86% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 6 months | $1,000 | 3.39% | Not ZIP-priced | −1.01% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 9 months | $99,000 | 4.01% | Not ZIP-priced | −0.47% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 9 months | $50,000 | 3.90% | Not ZIP-priced | −0.58% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 9 months | $25,000 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 9 months | $10,000 | 3.59% | Not ZIP-priced | −0.89% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 9 months | $1,000 | 3.44% | Not ZIP-priced | −1.04% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 12 months | $99,000 | 4.11% | Not ZIP-priced | −0.46% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 12 months | $50,000 | 4.01% | Not ZIP-priced | −0.56% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 12 months | $25,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 12 months | $10,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Starting Line Share Certificate | standard | 12 months | $25 | 3.54% | Not ZIP-priced | −1.03% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 12 months | $1,000 | 3.54% | Not ZIP-priced | −1.03% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Save & Build Certificate | relationship | 18 months | $25 | 2.02% | Not ZIP-priced | −2.70% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Save & Build Certificate | relationship | 18 months | $5,000 | 0.65% | Not ZIP-priced | −4.07% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 24 months | $99,000 | 4.26% | Not ZIP-priced | −0.61% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 24 months | $50,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 24 months | $99,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 24 months | $25,000 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 24 months | $50,000 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 24 months | $25,000 | 3.94% | Not ZIP-priced | −0.93% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 24 months | $10,000 | 3.84% | Not ZIP-priced | −1.03% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 24 months | $10,000 | 3.74% | Not ZIP-priced | −1.13% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 24 months | $1,000 | 3.69% | Not ZIP-priced | −1.18% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 24 months | $1,000 | 3.58% | Not ZIP-priced | −1.29% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 36 months | $99,000 | 4.31% | Not ZIP-priced | −0.64% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 36 months | $50,000 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 36 months | $99,000 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 36 months | $25,000 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 36 months | $50,000 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 36 months | $25,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 36 months | $10,000 | 3.89% | Not ZIP-priced | −1.06% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 36 months | $10,000 | 3.79% | Not ZIP-priced | −1.16% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 36 months | $1,000 | 3.74% | Not ZIP-priced | −1.21% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 36 months | $1,000 | 3.63% | Not ZIP-priced | −1.32% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 48 months | $99,000 | 4.36% | Not ZIP-priced | −0.62% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 48 months | $50,000 | 4.26% | Not ZIP-priced | −0.72% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 48 months | $99,000 | 4.26% | Not ZIP-priced | −0.72% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 48 months | $25,000 | 4.15% | Not ZIP-priced | −0.83% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 48 months | $50,000 | 4.15% | Not ZIP-priced | −0.83% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 48 months | $25,000 | 4.05% | Not ZIP-priced | −0.93% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 48 months | $10,000 | 3.94% | Not ZIP-priced | −1.04% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 48 months | $10,000 | 3.84% | Not ZIP-priced | −1.14% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 48 months | $1,000 | 3.79% | Not ZIP-priced | −1.19% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 48 months | $1,000 | 3.69% | Not ZIP-priced | −1.29% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 60 months | $99,000 | 4.40% | Not ZIP-priced | −0.61% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 60 months | $50,000 | 4.30% | Not ZIP-priced | −0.71% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 60 months | $99,000 | 4.30% | Not ZIP-priced | −0.71% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 60 months | $25,000 | 4.19% | Not ZIP-priced | −0.82% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 60 months | $50,000 | 4.19% | Not ZIP-priced | −0.82% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 60 months | $25,000 | 4.09% | Not ZIP-priced | −0.92% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 60 months | $10,000 | 3.99% | Not ZIP-priced | −1.02% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 60 months | $10,000 | 3.88% | Not ZIP-priced | −1.13% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Term Share Certificate | standard | 60 months | $1,000 | 3.83% | Not ZIP-priced | −1.18% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |
| Rate Booster | standard | 60 months | $1,000 | 3.73% | Not ZIP-priced | −1.28% | 2026-10-23T01:52:35.000Z | [Snapshot 782](https://apyledger.com/snapshots/782) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.