Best Banks & Credit Unions in Stillwater, Oklahoma

Banks and credit unions serving Stillwater, Oklahoma. Compare up to 2.75% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Stillwater, Oklahoma. All rankings inherit from the Oklahoma state directory. Every institution listed is licensed to serve Stillwater residents and is either headquartered in Oklahoma or operates branches in the metro.

Top options in Stillwater

• Navy Federal Credit Union: 3.70% APY. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• Tinker Federal Credit Union: 3.29% APY. 12-month 12 Mo. Term Share Certificate: $1,000 minimum balance; 120 days' early withdrawal penalty; the $10,000 and $25,000 balance bands pay more; prospective rates are effective 09-03-26 - 09-09-26. Read Sep 7, 2026 on tinkerfcu.org. Rates as of 2026-09-03 per the page.
• TTCU Federal Credit Union: 3.00% APY. 12 Month Certificate: $1,000 minimum deposit; the $50,000 band pays 3.20%; a penalty may be imposed for early withdrawal; rates effective as of 9/1/2026. Read Sep 7, 2026 on ttcu.com. Rates as of 2026-09-01 per the page.
• Communication Federal Credit Union: 2.95% APY. 12-month 1 Year IRA/Share Certificate: $1,000 minimum balance; the standard 1 Year term, not the 9 Month (3.90%) or 13 Month (4.10%) specials; a penalty may be imposed for early withdrawal; rates accurate as of 09/01/2026. Read Sep 7, 2026 on comfedcu.org. Rates as of 2026-09-01 per the page.
• Advancial Federal Credit Union: 2.82% APY. 12-month 1 year Regular Certificate: $1,000.00 minimum balance; the Junior Jumbo ($25,000) and Jumbo ($50,000) versions pay 2.92% and 3.02%; there is a penalty for early withdrawal; rates effective as of 9/6/2026 CST. Read Sep 7, 2026 on advancial.org. Rates as of 2026-09-06 per the page.
• BancFirst: 2.75% APY. Savings-Regular: Balances through $1,000,000.00; interest compounded monthly and credited on the last business day of each month; the page prints no minimum opening deposit and no effective date. Read Sep 7, 2026 on bancfirst.bank.

Other Oklahoma cities

See the full Oklahoma banks directory for every institution we've verified in the state, plus the underlying methodology.