Best 4-Year CD Rates in Oklahoma, OK

You are viewing rates from banks across Oklahoma

Below are four-year CD Rates from banks in Oklahoma . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

OK - August 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Gateway First Bank	3.60%	$25,000	-	Learn More Add Review
Rate History: 3.00% → 3.40% → 3.60%
Savvysaver \| Jun 25, 2020 Ok, GFB's site a bit more compliant today. Unfortunately the rate posted here is not current. 1.05% and look at that minimum! Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
VALOR BANK Valor Bank Branch	3.50%	$1,000	-	Learn More Add Review
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank Helena Branch	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
RCB Bank Motor Bank Branch	3.25%	$1,000	-	Learn More
Holly cannady \| Oct 13, 2020 Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More Reviews (1)
All America Bank All America Bank Branch	3.25%	$500	-	Learn More
Rate History: 1.00% → 3.49% → 3.25%
larry \| Feb 25, 2016 What's your phone number? Read More Reviews (1)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Intrust Bank, National Association Oklahoma City North Branch	2.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Memorial And 91st Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Frontier State Bank Frontier State Bank Branch	1.92%	$1,000	-	Learn More
JR \| Jan 16, 2019 12 mo now pays 2.80% apr Read More Reviews (2)
BOKF, National Association Bokf, National Association Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	1.41%	$100,000	-	Learn More Add Review
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	1.31%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Peoples Bank and Trust Company Peoples Bank And Trust Company Branch	1.15%	$10,000	-	Learn More Add Review
Bank 7 Woodward Westside Branch	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Armstrong Bank Vian Branch	1.06%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
The Farmers Bank The Farmers Bank Branch	1.06%	$10,000	-	Learn More Add Review
ACB Bank Acb Bank Branch	1.05%	$1,000	-	Learn More Add Review
The First National Bank in Marlow The First National Bank In Marlow Branch	1.05%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	1.03%	$100,000	-	Learn More Add Review
The Exchange Bank The Exchange Bank, Owasso Branch	1.01%	$10,000	-	Learn More Add Review
First Summit Bank First Summit Bank Branch	1.01%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Bank of the Panhandle Bank Of The Panhandle Branch	1.00%	$100,000	-	Learn More Add Review
Community Bank Community Bank Branch	1.00%	$100,000	-	Learn More Add Review
American Bank of Oklahoma Muskogee Branch	1.00%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
The Bank, National Association The Bank, National Association Branch	1.00%	$10,000	-	Learn More Add Review
AVB Bank Mingo Branch	1.00%	$10,000	-	Learn More
should be valued customer \| Apr 22, 2022 I am considering finding another bank to do business with Read More Reviews (2)
American Bank and Trust Company East Lobby Branch	1.00%	$100,000	-	Learn More Add Review
Washita State Bank Washita State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Vici Bank Of Vici Branch	0.96%	$1,000	-	Learn More Add Review
Great Plains National Bank Mangum Branch	0.95%	$1,000	-	Learn More Add Review
First Bank & Trust Company First Bank & Trust Company Branch	0.95%	$100,000	-	Learn More Add Review
Grand Savings Bank Jay Branch	0.95%	$500	-	Learn More Add Review
Bank of Hydro Eakly Branch	0.95%	$10,000	-	Learn More Add Review
Great Nations Bank Great Nations Bank Branch	0.95%	$10,000	-	Learn More Add Review
Firstar Bank Muskogee Main Branch	0.95%	$100,000	-	Learn More Add Review
Bank of Cordell Bank Of Cordell Branch	0.95%	$10,000	-	Learn More Add Review
Chickasaw Community Bank Bank 2 Branch	0.95%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.93%	$10,000	-	Learn More Add Review
First Pryority Bank First Pryority Bank Branch	0.91%	$10,000	-	Learn More Add Review
Armstrong Bank Vian Branch	0.90%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Alva State Bank & Trust Company Freedom State Bank Branch	0.90%	$100,000	-	Learn More Add Review
Community Bank Community Bank Branch	0.90%	$10,000	-	Learn More Add Review
Cleo State Bank Jet Branch	0.90%	$10,000	-	Learn More Add Review
First Bank & Trust Company First Bank & Trust Company Branch	0.90%	$10,000	-	Learn More Add Review
Regent Bank Regent Bank Branch	0.90%	$10,000	-	Learn More
Jw \| Jun 27, 2022 It took 4 times contacting this back to get a simple stop payment done. It end up costing over $100 because of their inability to take care of it after the first contact. Read More Reviews (1)
Vision Bank, National Association Prague Branch	0.90%	$100,000	-	Learn More Add Review
American Bank of Oklahoma Muskogee Branch	0.90%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
First National Bank and Trust Company Holdenville Branch	0.90%	$100,000	-	Learn More Add Review
The Peoples National Bank of Checotah The Peoples National Bank Of Checota Branch	0.90%	$10,000	-	Learn More Add Review
Blue Sky Bank Tulsa Branch	0.85%	$10,000	-	Learn More Add Review
Security Bank and Trust Company North Main Branch	0.85%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Miami The First National Bank And Trust Company Of Miami Branch	0.85%	$10,000	-	Learn More
Murph \| Jan 12, 2023 so really, I know that 0 real shits are given but the chance at persuading even a single person would make this worth my while and granted everyone's experience is not the same. I've been doing business ... Read More Reviews (1)
Local Bank Bank Of Cherokee County Branch	0.85%	$100,000	-	Learn More Add Review
The Payne County Bank The Payne County Bank Branch	0.85%	$10,000	-	Learn More Add Review
Community Bank Detached Facility Branch	0.85%	$10,000	-	Learn More Add Review
Vision Bank, National Association Prague Branch	0.85%	$10,000	-	Learn More Add Review
Oklahoma Capital Bank Oklahoma Capital Bank Branch	0.85%	$10,000	-	Learn More Add Review
Citizens Bank of Ada Ada Arlington Branch	0.85%	$100,000	-	Learn More Add Review
Stride Bank, National Association Tulsa Branch	0.80%	$1,000	-	Learn More Add Review
Alva State Bank & Trust Company Freedom State Bank Branch	0.80%	$10,000	-	Learn More Add Review
The Security National Bank of Enid West Office Branch	0.80%	$10,000	-	Learn More Add Review
Local Bank Bank Of Cherokee County Branch	0.80%	$10,000	-	Learn More Add Review
Bank of the Panhandle Bank Of The Panhandle Branch	0.75%	$10,000	-	Learn More Add Review
The First State Bank of Pond Creek, Oklahoma The First State Bank Of Pond Creek, Oklahoma Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank of Oklahoma Oklahoma City Branch	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce Bailey Ranch Branch	0.75%	$100,000	-	Learn More Add Review
Bank of Grand Lake Bank Of Grand Lake Branch	0.75%	$10,000	-	Learn More Add Review
SpiritBank South Memorial Branch	0.75%	$10,000	-	Learn More Add Review
Security Bank Security Bank Branch	0.75%	$10,000	-	Learn More Add Review
Firstar Bank Muskogee Main Branch	0.75%	$1,000	-	Learn More Add Review
The Pauls Valley National Bank The First National Bank Of Davis Bra Branch	0.75%	$10,000	-	Learn More Add Review
First Texoma National Bank 615 Hunter Branch	0.75%	$10,000	-	Learn More Add Review
Community National Bank of Okarche Community National Bank Of Okarche Branch	0.70%	$100,000	-	Learn More Add Review
Bank of Commerce Adair Branch	0.70%	$10,000	-	Learn More Add Review
American Nation Bank Lone Grove Branch	0.70%	$10,000	-	Learn More Add Review
Oklahoma State Bank Mulhall Branch	0.70%	$10,000	-	Learn More Add Review
The First National Bank and Trust Co., Chickasha, Oklahoma South Okc Branch	0.70%	$10,000	-	Learn More Add Review
The State Exchange Bank The State Exchange Bank Branch	0.65%	$1,000	-	Learn More Add Review
The Bank of Kremlin Goltry Branch	0.65%	$10,000	-	Learn More Add Review
F & M Bank First Capital Branch	0.65%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.65%	$10,000	-	Learn More Add Review
The City National Bank and Trust Company of Lawton, Oklahoma Mustang Branch	0.60%	$10,000	-	Learn More Add Review
Community National Bank of Okarche Community National Bank Of Okarche Branch	0.60%	$10,000	-	Learn More Add Review
Vast Bank, National Association Valley National Bank Branch	0.60%	$10,000	-	Learn More Add Review
Grand Bank Grand Bank Branch	0.60%	$10,000	-	Learn More Add Review
The Bank of the West Wheatland Plaza Branch	0.60%	$10,000	-	Learn More Add Review
Mabrey Bank South Yale Avenue Branch	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.60%	$250	-	Learn More Add Review
McCurtain County National Bank Mccurtain County National Bank Branch	0.59%	$10,000	-	Learn More
None of your business \| Nov 19, 2023 The people at MCNB are nothing but idiotic childish nuts, especially that woman who runs the Valliant branch. She is unprofessional and is a jerk, and not only a jerk, a fruitcake who is suffering from a m... Read More Reviews (3)
NBC OKLAHOMA Altus Afb Branch	0.55%	$10,000	-	Learn More Add Review
First Bank & Trust Co. Healdton Branch	0.55%	$1,000	-	Learn More Add Review
FNB Coweta The First National Bank Of Coweta Branch	0.55%	$100,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore Lone Grove Branch	0.55%	$100,000	-	Learn More Add Review
The First National Bank and Trust Company of Okmulgee Wewoka Branch	0.55%	$10,000	-	Learn More Add Review
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	0.54%	$100,000	-	Learn More Add Review
First Fidelity Bank Noble Branch	0.51%	$10,000	-	Learn More
Dianna Jackson \| Dec 1, 2022 I have banked at First Fidelity since 1991 I think. Their banking staff has always been so helpful. I had a person years ago take one of my blank check and cashed it for 250.00. I caught it right away ... Read More Reviews (1)
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
First Bank & Trust Co. Healdton Branch	0.50%	$1,000	-	Learn More Add Review
InterBank Clinton Branch	0.50%	$10,000	-	Learn More
Ernie Bramlett \| Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More Reviews (1)
Security State Bank of Oklahoma Seminole Branch	0.50%	$1,000	-	Learn More Add Review
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce Bailey Ranch Branch	0.50%	$10,000	-	Learn More Add Review
Community State Bank Dover Community Branch	0.50%	$10,000	-	Learn More Add Review
Mabrey Bank South Yale Avenue Branch	0.50%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore Lone Grove Branch	0.50%	$10,000	-	Learn More Add Review
FNB Community Bank Tinker Afb Facility Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers State Bank Red Oak Branch	0.50%	$1,000	-	Learn More Add Review
First National Bank & Trust Company of McAlester Hartshorne Branch	0.50%	$10,000	-	Learn More Add Review
The State Bank of Wynnewood The State Bank Of Wynnewood Branch	0.48%	$10,000	-	Learn More Add Review
First Bank Locust Grove Branch	0.45%	$10,000	-	Learn More Add Review
FNB Coweta The First National Bank Of Coweta Branch	0.45%	$10,000	-	Learn More Add Review
First National Bank and Trust Company Holdenville Branch	0.45%	$10,000	-	Learn More Add Review
First Bank & Trust Co. Healdton Branch	0.45%	$1,000	-	Learn More Add Review
Citizens Bank of Ada Ada Arlington Branch	0.45%	$10,000	-	Learn More Add Review
MidFirst Bank 8th And Lincoln Branch	0.40%	$1,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
SNB Bank, National Association Snb Bank, National Association Branch	0.31%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.31%	$10,000	-	Learn More Add Review
UMB Bank, National Association Umb Bank, National Association Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
BancFirst Mobile Branch	0.30%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
Equity Bank Tulsa Branch	0.25%	$1,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
First United Bank and Trust Company Norman East Banking Center Branch	0.25%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Broken Arrow South Elm Branch	0.25%	$10,000	-	Learn More Add Review
Commerce Bank Tulsa Yale Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
BancFirst Mobile Branch	0.20%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company West Memorial Road Branch	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
BancFirst Mobile Branch	0.15%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
High Plains Bank High Plains Bank Branch	0.09%	$100,000	-	Learn More Add Review
High Plains Bank High Plains Bank Branch	0.09%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association May Avenue Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
VALOR BANK Valor Bank Branch	1501 Renaissance Blvd	Edmond	OK
Gateway First Bank Helena Branch	220 N. Main	Helena	OK
RCB Bank Motor Bank Branch	Two Lake Road	Ponca City	OK
All America Bank All America Bank Branch	200 South Rockwell Avenue	Oklahoma City	OK
Intrust Bank, National Association Oklahoma City North Branch	8402 Northwest Expressway	Oklahoma City	OK
JPMorgan Chase Bank, National Association Memorial And 91st Branch	7837 East 91st Street	Tulsa	OK
Frontier State Bank Frontier State Bank Branch	5100 South I-35 Service Road	Oklahoma City	OK
BOKF, National Association Bokf, National Association Branch	One Williams Center	Tulsa	OK
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	523 Delaware Street	Perry	OK
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	523 Delaware Street	Perry	OK
Peoples Bank and Trust Company Peoples Bank And Trust Company Branch	517 Washington Street	Ryan	OK
Bank 7 Woodward Westside Branch	3300 Oklahoma Avenue	Woodward	OK
Armstrong Bank Vian Branch	102 West Schley Street	Vian	OK
The Farmers Bank The Farmers Bank Branch	31 West Main Street	Carnegie	OK
ACB Bank Acb Bank Branch	323 S Grand Street	Cherokee	OK
The First National Bank in Marlow The First National Bank In Marlow Branch	301 West Main Street	Marlow	OK
Farmers & Merchants Bank Farmers & Merchants Bank Branch	101 East Second Street	Duke	OK
The Exchange Bank The Exchange Bank, Owasso Branch	9701 East 86th St., N.	Owasso	OK
First Summit Bank First Summit Bank Branch	6th And Washington	Ryan	OK
Panhandle First Bank Bank Of The Panhandle Branch	13th And Main Streets	Guymon	OK
Community Bank Community Bank Branch	1729 College Boulevard	Alva	OK
American Bank of Oklahoma Muskogee Branch	3300 West Broadway	Muskogee	OK
The Bank, National Association The Bank, National Association Branch	Second And Carl Albert Parkway	Mcalester	OK
AVB Bank Mingo Branch	9810 East 51st Street	Tulsa	OK
American Bank and Trust Company East Lobby Branch	6465 South Yale Avenue	Tulsa	OK
Washita State Bank Washita State Bank Branch	701 State Highway 44	Burns Flat	OK
Bank of Vici Bank Of Vici Branch	121 West Broadway Street	Vici	OK
Great Plains National Bank Mangum Branch	101 South Oklahoma	Mangum	OK
First Bank & Trust Company First Bank & Trust Company Branch	407 7th Street	Perry	OK
Grand Savings Bank Jay Branch	1222 North Main Street	Jay	OK
Bank of Hydro Eakly Branch	Main And Sims Streets	Eakly	OK
Great Nations Bank Great Nations Bank Branch	2200 Alameda Street	Norman	OK
Firstar Bank Muskogee Main Branch	510 North Main Street	Muskogee	OK
BANK360 Bank Of Cordell Branch	808 North Glenn English	Cordell	OK
Chickasaw Community Bank Bank 2 Branch	909 South Meridian Avenue	Oklahoma City	OK
Farmers & Merchants Bank Farmers & Merchants Bank Branch	101 East Second Street	Duke	OK
First Pryority Bank First Pryority Bank Branch	310 East Graham Avenue	Pryor	OK
Armstrong Bank Vian Branch	102 West Schley Street	Vian	OK
Alva State Bank & Trust Company Freedom State Bank Branch	1085 Main St	Freedom	OK
Community Bank Community Bank Branch	1729 College Boulevard	Alva	OK
Cleo State Bank Jet Branch	Fifth And Highway 64	Jet	OK
First Bank & Trust Company First Bank & Trust Company Branch	407 7th Street	Perry	OK
Regent Bank Regent Bank Branch	105 N Maple Street	Nowata	OK
Vision Bank Prague Branch	802 Jim Thorpe Blvd	Prague	OK
American Bank of Oklahoma Muskogee Branch	3300 West Broadway	Muskogee	OK
Sovereign Bank Holdenville Branch	821 East Highway	Holdenville	OK
The Peoples National Bank of Checotah The Peoples National Bank Of Checota Branch	Broadway And Gentry	Checotah	OK
Blue Sky Bank Tulsa Branch	3353 E. 41st Street	Tulsa	OK
Security Bank and Trust Company North Main Branch	2200 North Main	Miami	OK
The First National Bank and Trust Company of Miami The First National Bank And Trust Company Of Miami Branch	201-207 North Main Street	Miami	OK
Local Bank Bank Of Cherokee County Branch	Main And Broadway	Hulbert	OK
The Payne County Bank The Payne County Bank Branch	202 South Main Street	Perkins	OK
Community Bank Detached Facility Branch	317 South Main Street	Bristow	OK
Vision Bank Prague Branch	802 Jim Thorpe Blvd	Prague	OK
Oklahoma Capital Bank Oklahoma Capital Bank Branch	6555 North Peoria Street	Tulsa	OK
Citizens Bank of Ada Ada Arlington Branch	1717 Arlington Blvd	Ada	OK
Stride Bank, National Association Tulsa Branch	8811 S Yale Ave.	Tulsa	OK
Alva State Bank & Trust Company Freedom State Bank Branch	1085 Main St	Freedom	OK
The Security National Bank of Enid West Office Branch	210 North Oakwood Road	Enid	OK
Local Bank Bank Of Cherokee County Branch	Main And Broadway	Hulbert	OK
Panhandle First Bank Bank Of The Panhandle Branch	13th And Main Streets	Guymon	OK
The First State Bank of Pond Creek, Oklahoma The First State Bank Of Pond Creek, Oklahoma Branch	Second And Broadway Streets	Pond Creek	OK
First National Bank of Oklahoma Oklahoma City Branch	5101 North Western Avenue	Oklahoma City	OK
International Bank of Commerce Bailey Ranch Branch	9350 North Garnett Rd.	Owasso	OK
Bank of Grand Lake Bank Of Grand Lake Branch	201 East 18th Street	Grove	OK
SpiritBank South Memorial Branch	9618 South Memorial	Tulsa	OK
Security Bank Security Bank Branch	10727 East 51st Street South	Tulsa	OK
Firstar Bank Muskogee Main Branch	510 North Main Street	Muskogee	OK
The Pauls Valley National Bank The First National Bank Of Davis Bra Branch	227 East Main	Davis	OK
First Texoma National Bank 615 Hunter Branch	615 Hunter	Boswell	OK
Community National Bank of Okarche Community National Bank Of Okarche Branch	653 Us Hwy 81	Okarche	OK
Bank of Commerce Adair Branch	State Highway 28	Adair	OK
American Nation Bank Lone Grove Branch	6295 West Broadway	Ardmore	OK
Prism Bank Mulhall Branch	Main And Sullivan Streets	Mulhall	OK
The First National Bank and Trust Co., Chickasha, Oklahoma South Okc Branch	8504 Sw 59th Street	Oklahoma City	OK
The State Exchange Bank The State Exchange Bank Branch	1280 Main Street	Lamont	OK
Cowboy Bank Goltry Branch	Main And Broadway	Goltry	OK
F&M Bank First Capital Branch	601 South Main Street	Kingfisher	OK
First State Bank First State Bank Branch	Dalton Avenue And Harris Street	Valliant	OK
The City National Bank and Trust Company of Lawton, Oklahoma Mustang Branch	951 E State Hwy 152	Mustang	OK
Community National Bank of Okarche Community National Bank Of Okarche Branch	653 Us Hwy 81	Okarche	OK
Vast Bank, National Association Valley National Bank Branch	4812 East 81st Street	Tulsa	OK
Grand Bank Grand Bank Branch	4200 East Skelly Drive	Tulsa	OK
The Bank of the West Wheatland Plaza Branch	One Wheatland Plaza	Clinton	OK
Mabrey Bank South Yale Avenue Branch	8085 South Yale Avenue	Tulsa	OK
Great Southern Bank Great Southern Bank Branch	4200 East Skelly Drive, Suite 900	Tulsa	OK
McCurtain County National Bank Mccurtain County National Bank Branch	20 North Park Drive	Broken Bow	OK
NBC OKLAHOMA Altus Afb Branch	North 1st Street And E Avenue, Building 24	Altus Afb	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
FNB Coweta The First National Bank Of Coweta Branch	106 S Broadway St	Coweta	OK
First National Bank and Trust Company of Ardmore Lone Grove Branch	Highway 70 And Newport Road	Lone Grove	OK
Patrons Bank, National Association Wewoka Branch	200 South Wewoka Avenue	Wewoka	OK
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	396 S Commercial Street	Welch	OK
First Fidelity Bank Noble Branch	900 N. Main Street	Noble	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
InterBank Clinton Branch	807 Gary Boulevard	Clinton	OK
Security State Bank of Oklahoma Seminole Branch	824 North Milt Phillips	Seminole	OK
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	396 S Commercial Street	Welch	OK
International Bank of Commerce Bailey Ranch Branch	9350 North Garnett Rd.	Owasso	OK
Community State Bank Dover Community Branch	Highway 81 And East Chestnut	Dover	OK
Mabrey Bank South Yale Avenue Branch	8085 South Yale Avenue	Tulsa	OK
First National Bank and Trust Company of Ardmore Lone Grove Branch	Highway 70 And Newport Road	Lone Grove	OK
FNB Community Bank Tinker Afb Facility Branch	3001 Staff Drive	Tinker Afb	OK
The Farmers State Bank Red Oak Branch	East Second And Oak Streets	Red Oak	OK
First National Bank & Trust Company of McAlester Hartshorne Branch	935 Pennsylvania Avenue	Hartshorne	OK
The State Bank of Wynnewood The State Bank Of Wynnewood Branch	109 South Dean A. Mcgee Street	Wynnewood	OK
First Bank Locust Grove Branch	724 East Main	Locust Grove	OK
FNB Coweta The First National Bank Of Coweta Branch	106 S Broadway St	Coweta	OK
Sovereign Bank Holdenville Branch	821 East Highway	Holdenville	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
Citizens Bank of Ada Ada Arlington Branch	1717 Arlington Blvd	Ada	OK
MidFirst Bank 8th And Lincoln Branch	901 North Lincoln Boulevard	Oklahoma City	OK
SNB Bank, National Association Snb Bank, National Association Branch	503 South Main Street	Shattuck	OK
Farmers and Merchants Bank Farmers And Merchants Bank Branch	621 Main Street	Maysville	OK
UMB Bank, National Association Umb Bank, National Association Branch	6500 North Broadway Extension	Oklahoma City	OK
BancFirst Mobile Branch	W 1st St & S Barta	Prague	OK
Equity Bank Tulsa Branch	9292 South Delaware Ave	Tulsa	OK
First United Bank and Trust Company Norman East Banking Center Branch	801 12th Avenue Northeast	Norman	OK
The First National Bank and Trust Company of Broken Arrow South Elm Branch	3208 South Elm	Broken Arrow	OK
Commerce Bank Tulsa Yale Branch	5314 South Yale, Suite 100	Tulsa	OK
BancFirst Mobile Branch	W 1st St & S Barta	Prague	OK
First-Citizens Bank & Trust Company West Memorial Road Branch	4501 West Memorial Road	Oklahoma City	OK
BancFirst Mobile Branch	W 1st St & S Barta	Prague	OK
High Plains Bank High Plains Bank Branch	301 South Polk Avenue	Keyes	OK
High Plains Bank High Plains Bank Branch	301 South Polk Avenue	Keyes	OK
Bank of America, National Association May Avenue Branch	9404 North May Avenue	Oklahoma City	OK

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Oklahoma CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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