Share Certificates (CD)

Southwest offers Share Certificates (CDs) with several rates and time options. All of our CDs are protected by the federal government (NCUA) up to $250,000.00 per account. Please check our rate sheet for current rates.

 

Share Certificate Accounts and IRA Certificate Accounts       
Balance Requirement91 Days6 Months12 Months24 Months36 Months60 Months
$1,000.00-$9,999.99Stated rate.00.05.10.15.40.65
APY*.00.05.10.15.40.65
$10,000.00-$24,999.99Stated rate.10.15.20.25.50.75
APY*.10.15.20.25.50.75
$25,000.00-$49,999.99Stated rate.20.25.30.35.60.85
APY*.20.25.30.35.60.85
$50,000.00 and higherStated rate.30.35.40.45.70.95
APY*.30.35.40.45.70.95
Early withdrawal penalty: number of days of interest lost90 days90 days90 days180 days180 days180 days

Effective:  August 16, 2017

All rates are declared by the Board of Directors of Southwest Oklahoma Federal Credit Union and are subject to change at any time.

IRA Certificate Accounts are not available on terms of 91 Days and 6 Months.

*The Annual Percentage Yield (APY) assumes that the principal balance will remain on deposit until maturity.  An early withdrawal of the principal balance will reduce earnings.