Share Certificates


with the one you trust.


with the one you trust.

*The 2.50% dividend rate and 2.53% annual percentage yield (APY) are accurate as of 1/1/2020, with a minimum opening balance of at least $1,000. Additions may not be made into the account after the account is opened until the maturity date stated on the account. Accrued dividends will not be paid if the account is closed before dividends are paid on the account. Penalties for early withdrawal will reduce earnings. Early withdrawal will result in a penalty equal to 180 days’ dividends. The APY is based on the assumption that dividends will remain in the account until maturity. The share certificate will automatically renew to a standard 24-month share certificate at the current rate at the time of maturity. Dividend rates are de- clared by The Board of Directors of Tinker Federal Credit Union and are subject to change at any time. Tinker Federal Credit Union membership is required, which involves opening an initial share (savings) account with a $5 deposit. Before opening an IRA share certificate, an IRA share account must be established. For more information, visit or any TFCU branch, or call (405) 732-0324 or 1-800-456-4828.

Why Consider a Certificate?

Are you new to using certificates to save and grow your money? Watch this quick one-minute video covering the basics.

Certificates: the safe and secure* way to save

With a Tinker Federal Credit Union share certificate, you can make money and save money, as you enjoy convenience and peace of mind.

  • Begin saving with as little as $1,000
  • Enjoy convenient terms from three to 60 months
  • Make more money with our compounding dividends, paid monthly
  • Earn more with our monthly dividends based on actual daily balance and term
  • Save money with our 10-day grace period after renewal
  • Receive quarterly statements
*Share certificates are federally insured by the NCUA up to $250,000, combined with your other accounts (IRAs are separately insured)
See Savings Rates
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Grandson and grandpa playing their guitars

Dividends can make you money

At a credit union, you earn “dividends” rather than “interest” on your certificates. Plus, you have options for managing your dividends:

  • Reinvest your dividends into your certificate
  • Have a dividend check mailed to you
  • Transfer your dividends to your checking or savings account

Start small and build

Starting Line Certificates allow members to earn dividends while saving to reach the minimum balance required to open a standard higher-yielding term share certificate.

  • Begin saving with as little as $25
  • Enjoy the convenience of making deposits at any time in a variety of ways
  • Make more money while saving to reach the minimum balance required to open a standard higher-yielding term share certificate
  • Make more money with our competitive compounding dividends
Open a Starting Line Certificate
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