Rates

Account Rates – Effective 1/1/2024 – APY is accurate as of the last Dividend Declared Date – Until Further Notice
Account APY² Disclosures
Savings* 0.05% $5 minimum balance to earn dividends
Christmas Club* 0.05% $25 minimum balance to earn dividends
Rewards Checking* 0.05% Non-Qualified Tier
1.00% Qualified Tier 1 ($0 – $20,000)
0.20% Qualified Tier 2 (Over $20,000)
Elite Preferred Checking*  Available for schools/organizations only. Call for details. 
Non-Profit Checking* 0.25%
Classic Checking* 0.00% Qualified Tier 1 ($0.00 – $500.00)
0.05% Qualified Tier 2 ($500 minimum balance to earn dividends and avoid a service charge.)
Money Market Rates
Tier APY²
$2,000 and Greater 0.20%
$0 to $1,999.99 0.05%
Certificate of Deposit
Term Amount Dividend Rate APY²
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00+ 0.65% 0.65%
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00+ 0.75% 0.75%
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00+ 0.85% 0.85%
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00+ 0.95% 0.95%
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00+ 1.04% 1.05%
36 Months $0.00 – $74,999.99 1.04% 1.05%
$75,000.00 – $224,999.99 1.09% 1.10%
$225,000.00+ 1.14% 1.15%
48 Months $0.00 – $74,999.99 1.09% 1.10%
$75,000.00 – $224,999.99 1.14% 1.15%
$225,000.00+ 1.19% 1.20%
60 Months $0.00 – $74,999.99 1.14% 1.15%
$75,000.00 – $224,999.99 1.19% 1.20%
$225,000.00+ 1.24% 1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

IRA Certificate of Deposit
Term Amount Dividend Rate APY²
6 Months $0.00 – $74,999.99 0.50% 0.50%
$75,000.00+ 0.65% 0.65%
12 Months $0.00 – $74,999.99 0.65% 0.65%
$75,000.00+ 0.75% 0.75%
18 Months $0.00 – $74,999.99 0.75% 0.75%
$75,000.00+ 0.85% 0.85%
24 Months $0.00 – $74,999.99 0.85% 0.85%
$75,000.00+ 0.95% 0.95%
30 Months $0.00 – $74,999.99 1.00% 1.00%
$75,000.00+ 1.04% 1.05%
36 Months $0.00 – $74,999.99 1.04% 1.05%
$75,000.00 – $224,999.99 1.09% 1.10%
$225,000.00+ 1.14% 1.15%
48 Months $0.00 – $74,999.99 1.09% 1.10%
$75,000.00 – $224,999.99 1.14% 1.15%
$225,000.00+ 1.19% 1.20%
60 Months $0.00 – $74,999.99 1.14% 1.15%
$75,000.00 – $224,999.99 1.19% 1.20%
$225,000.00+ 1.24% 1.25%

The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.

Loans
Type As Low as (APR1) As High as (APR1) Disclosures
Secured Loans 6.99% 18.00% Rate determined by credit history
Signature Loans 13.99% 18.00% Rate determined by credit history

Disclosures

  • Dividend Rate – Expected earnings expressed on an annual basis.
  • APR1 – Rates are based on the borrower’s creditworthiness and other factors. Not all applicants will qualify for the lowest rate.
  • APY² – Annual Percentage Yield
  • IRA and CD Share Certificate accounts have up to a $1,000 minimum to open based on tiered minimums and terms, and penalties for early withdrawals may apply.
  • All Consumer and Mortgage loans are closed-end loans, except for the home equity line of credit which is an open-end loan. The home equity line of credit has a variable rate that is subject to change quarterly.
  • *Rates are variable and may change at any time. To obtain current rate information call (405) 722-2234 or 1-800-324-8259.
  • Fees may reduce earnings on deposit accounts. Our fee schedule can be accessed from the Truth In Savings disclosures. Call or visit a branch for more information.
  • The minimum deposit for the second rate tier on certificates is $50,000 if you have a checking with direct deposit or an active loan.
  • The Rewards checking account rates are tiered based on daily balance and monthly qualifications as stated in the Truth In Savings disclosure for share accounts.
  • † Credit Union reserves the right to discontinue or modify specials at any time, for any reason, without prior notification.