Best 5-Year CD Rates in Moore, Oklahoma, OK

You are viewing rates from banks across Moore

Below are 5-year CD Rates from banks that are located in Moore, { Oklahoma}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Moore, OK - August 1, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.20%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%
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% → 4.15% → 4.10% → 3.95% → 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)
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
VALOR BANK Valor Bank Branch	3.50%	$1,000	-	Learn More Add Review
Gateway First Bank Helena Branch	3.30%	$500	-	Learn More
Rate History: 2.90% → 3.30%
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)
All America Bank Southwest State 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)
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
RCB Bank Drumright Branch	2.75%	$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)
Frontier State Bank Frontier State Bank Branch	2.07%	$1,000	-	Learn More
JR \| Jan 16, 2019 12 mo now pays 2.80% apr Read More Reviews (2)
Intrust Bank, National Association Moore Branch	2.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%
JPMorgan Chase Bank, National Association Norman Main 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)
BOKF, National Association Muskogee Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	1.51%	$100,000	-	Learn More Add Review
Exchange Bank and Trust Company Exchange Bank And Trust Company Branch	1.41%	$10,000	-	Learn More Add Review
The Exchange Bank The Exchange Bank Branch	1.35%	$10,000	-	Learn More Add Review
AVB Bank Avb Bank Branch	1.30%	$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)
Peoples Bank and Trust Company Peoples Bank And Trust Company Branch	1.30%	$10,000	-	Learn More Add Review
The First Security Bank The First Security Bank Branch	1.25%	$10,000	-	Learn More Add Review
First Pryority Bank First Pryority Bank Branch	1.17%	$10,000	-	Learn More Add Review
Security Bank Security Bank Branch	1.15%	$10,000	-	Learn More Add Review
The Farmers Bank The Farmers Bank Branch	1.12%	$10,000	-	Learn More Add Review
Armstrong Bank Armstrong Bank Branch	1.11%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
The Bank, National Association The Bank, National Association Branch	1.10%	$10,000	-	Learn More Add Review
First Summit Bank First Summit Bank Branch	1.07%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	1.07%	$100,000	-	Learn More Add Review
ACB Bank Garber Branch	1.05%	$1,000	-	Learn More Add Review
Community Bank Community Bank Branch	1.05%	$100,000	-	Learn More Add Review
Regent Bank Regent Bank Branch	1.05%	$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)
American Bank of Oklahoma Muskogee Branch	1.05%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
Vision Bank, National Association Vision Bank, National Association Branch	1.05%	$100,000	-	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
Bank of Vici Bank Of Vici Branch	1.01%	$1,000	-	Learn More Add Review
Fidelity Bank, National Association Bridgeview/Oklahoma Branch	1.00%	$500	-	Learn More Add Review
Great Plains National Bank Granite Branch	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
Armstrong Bank Armstrong Bank Branch	1.00%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Cleo State Bank Cleo State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Security Bank and Trust Company Afton Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Hydro Bank Of Hydro Branch	1.00%	$10,000	-	Learn More Add Review
F & M Bank First Capital Branch	1.00%	$10,000	-	Learn More Add Review
Great Nations Bank Great Nations Bank Branch	1.00%	$10,000	-	Learn More Add Review
Vision Bank, National Association Vision Bank, National Association Branch	1.00%	$10,000	-	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)
Washita State Bank Washita State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Cordell Bank Of Cordell Branch	1.00%	$10,000	-	Learn More Add Review
Oklahoma Heritage Bank Oklahoma Heritage Bank Branch	1.00%	$10,000	-	Learn More
Kaht \| Aug 23, 2021 11 years or so ago, when I first opened an account, it was a nice community oriented bank you could go to for help. Now they only seem to want to help themselves and the already wealthy get wealthier. Read More Reviews (1)
The Peoples National Bank of Checotah The Peoples National Bank Of Checota Branch	1.00%	$10,000	-	Learn More Add Review
First Texoma National Bank First Texoma National Bank Branch	1.00%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.97%	$10,000	-	Learn More Add Review
Community Bank Community Bank Branch	0.95%	$10,000	-	Learn More Add Review
First Bank & Trust Company Billings Branch	0.95%	$100,000	-	Learn More Add Review
Local Bank Bank Of Cherokee County Branch	0.95%	$100,000	-	Learn More Add Review
Frazer Bank Frazer Bank Branch	0.95%	$10,000	-	Learn More
Dawnc42 \| Nov 23, 2019 Recently applied for a loan. I was denied. Got the letter stating why, it has things checked like foreclosure and garnishment. I know I never had either. I get a copy of my report. Doesn't show any ... Read More Reviews (1)
Chickasaw Community Bank Bank 2 Branch	0.95%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company Alva State Bank & Trust Company Branch	0.90%	$100,000	-	Learn More Add Review
First Bank & Trust Company Billings Branch	0.90%	$10,000	-	Learn More Add Review
Blue Sky Bank Blue Sky Bank Branch	0.90%	$10,000	-	Learn More Add Review
Local Bank Bank Of Cherokee County Branch	0.90%	$10,000	-	Learn More Add Review
The Payne County Bank The Payne County Bank Branch	0.90%	$10,000	-	Learn More Add Review
Community Bank Community Bank Branch	0.90%	$10,000	-	Learn More Add Review
SpiritBank Spiritbank Branch	0.90%	$10,000	-	Learn More Add Review
Oklahoma Capital Bank Oklahoma Capital Bank Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank of Ada Citizens Bank Of Ada Branch	0.90%	$100,000	-	Learn More Add Review
Herring Bank First State Bank Of Altus Branch	0.85%	$10,000	-	Learn More
wello50 \| Jul 1, 2021 What day of the month do you report to the credit bureaus Read More Reviews (1)
Stride Bank, National Association Central National Bank & Trust Co., Of Enid Branch	0.85%	$1,000	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.85%	$10,000	-	Learn More Add Review
American Nation Bank Comanche Branch	0.85%	$10,000	-	Learn More Add Review
Oklahoma State Bank Coyle Branch	0.85%	$10,000	-	Learn More Add Review
Prosperity Bank Harvard Branch - Tulsa Ok	0.85%	$100,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
Bank of the Panhandle Bank Of The Panhandle Branch	0.80%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company Alva State Bank & Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
The First National Bank and Trust Co., Chickasha, Oklahoma Alex Branch	0.80%	$10,000	-	Learn More Add Review
The Pauls Valley National Bank The First National Bank Of Davis Bra Branch	0.80%	$10,000	-	Learn More Add Review
The State Exchange Bank The State Exchange Bank Branch	0.75%	$1,000	-	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
Carson Community Bank Peoples Bank Branch	0.75%	$100,000	-	Learn More Add Review
Community National Bank of Okarche Fairview Branch	0.70%	$100,000	-	Learn More Add Review
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	0.70%	$100,000	-	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.65%	$250	-	Learn More Add Review
The Bank of Kremlin Goltry Branch	0.65%	$10,000	-	Learn More Add Review
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	0.65%	$10,000	-	Learn More Add Review
Carson Community Bank Peoples Bank Branch	0.65%	$1,000	-	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 The City National Bank And Trust Company Of Lawton, Oklahoma Branch	0.60%	$10,000	-	Learn More Add Review
NBC OKLAHOMA Nbc Oklahoma Branch	0.60%	$10,000	-	Learn More Add Review
Community National Bank of Okarche Fairview Branch	0.60%	$10,000	-	Learn More Add Review
Vast Bank, National Association Owasso Branch	0.60%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Bank & Trust Co. Healdton Branch	0.60%	$1,000	-	Learn More Add Review
Prosperity Bank Harvard Branch - Tulsa Ok	0.60%	$10,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
First National Bank and Trust Company of Ardmore First National Bank And Trust Compan Branch	0.60%	$100,000	-	Learn More Add Review
First Fidelity Bank Downtown Norman Office Branch	0.56%	$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)
First Bank & Trust Co. Healdton Branch	0.55%	$1,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore First National Bank And Trust Compan Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank & Trust Company of McAlester Hartshorne Branch	0.55%	$10,000	-	Learn More Add Review
Shamrock Bank, N.A. Clayton State Bank Branch	0.50%	$10,000	-	Learn More Add Review
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
MidFirst Bank Midfirst Bank Branch	0.50%	$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)
InterBank Hennessey 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 Fairfax Branch	0.50%	$1,000	-	Learn More Add Review
First Bank and Trust Company First Bank And Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
FSNB, National Association Fsnb, National Association Branch	0.50%	$10,000	-	Learn More Add Review
First Bank & Trust Co. Healdton Branch	0.50%	$1,000	-	Learn More Add Review
Citizens Bank of Ada Citizens Bank Of Ada Branch	0.50%	$10,000	-	Learn More Add Review
The Farmers State Bank The Farmers State Bank Branch	0.50%	$1,000	-	Learn More Add Review
The State Bank of Wynnewood The State Bank Of Wynnewood Branch	0.48%	$10,000	-	Learn More Add Review
McClain Bank Mcclain Bank Branch	0.40%	$10,000	-	Learn More
Brian \| Dec 30, 2019 Disappointing. My family has been working through McClain bank for a number of services over the years. We've overlooked many mistakes that have been made, but are not going to overlook the terrible custom... Read More Reviews (1)
SNB Bank, National Association Snb Bank, National Association Branch	0.36%	$10,000	-	Learn More Add Review
UMB Bank, National Association Penn Square Branch	0.35%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The First National Bank and Trust Company of Broken Arrow The First National Bank And Trust Co Branch	0.30%	$10,000	-	Learn More Add Review
Commerce Bank Bank South Branch	0.30%	$10,000	-	Learn More Add Review
BancFirst North Main Street 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 Newkirk 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 Bokchito 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 North Main Street 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)
BancFirst North Main Street 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)
First-Citizens Bank & Trust Company Landmark Towers 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)
Bank of America, National Association Capitol Hill 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
All America Bank Southwest State Bank Branch	122 East Main Street	Sentinel	OK
RCB Bank Drumright Branch	121 West Broadway	Drumright	OK
Frontier State Bank Frontier State Bank Branch	5100 South I-35 Service Road	Oklahoma City	OK
Intrust Bank, National Association Moore Branch	100 South Broadway	Moore	OK
JPMorgan Chase Bank, National Association Norman Main Branch	116 South Peters Avenue	Norman	OK
BOKF, National Association Muskogee Branch	215 State Street	Muskogee	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
The Exchange Bank The Exchange Bank Branch	300 West Rogers	Skiatook	OK
AVB Bank Avb Bank Branch	322 South Main Street	Broken Arrow	OK
Peoples Bank and Trust Company Peoples Bank And Trust Company Branch	517 Washington Street	Ryan	OK
The First Security Bank The First Security Bank Branch	15 South Douglas Avenue	Beaver	OK
First Pryority Bank First Pryority Bank Branch	310 East Graham Avenue	Pryor	OK
Security Bank Security Bank Branch	10727 East 51st Street South	Tulsa	OK
The Farmers Bank The Farmers Bank Branch	31 West Main Street	Carnegie	OK
Armstrong Bank Armstrong Bank Branch	1215 West Okmulgee Street	Muskogee	OK
The Bank, National Association The Bank, National Association Branch	Second And Carl Albert Parkway	Mcalester	OK
First Summit Bank First Summit Bank Branch	6th And Washington	Ryan	OK
Farmers & Merchants Bank Farmers & Merchants Bank Branch	101 East Second Street	Duke	OK
ACB Bank Garber Branch	323 Main Street	Garber	OK
Community Bank Community Bank Branch	1729 College Boulevard	Alva	OK
Regent Bank Regent Bank Branch	7136 South. Yale, Suite 100	Tulsa	OK
American Bank of Oklahoma Muskogee Branch	3300 West Broadway	Muskogee	OK
Vision Bank Vision Bank, National Association Branch	101 East Main Street	Ada	OK
The First National Bank in Marlow The First National Bank In Marlow Branch	301 West Main Street	Marlow	OK
Bank of Vici Bank Of Vici Branch	121 West Broadway Street	Vici	OK
Fidelity Bank, National Association Bridgeview/Oklahoma Branch	2225 West Hefner Rd	Oklahoma City	OK
Great Plains National Bank Granite Branch	400 North Main Street	Granite	OK
Panhandle First Bank Bank Of The Panhandle Branch	13th And Main Streets	Guymon	OK
Armstrong Bank Armstrong Bank Branch	1215 West Okmulgee Street	Muskogee	OK
Cleo State Bank Cleo State Bank Branch	202 South Square	Cleo Springs	OK
Security Bank and Trust Company Afton Branch	1 S.W. First Street	Afton	OK
Bank of Hydro Bank Of Hydro Branch	146 West Main Street	Hydro	OK
F&M Bank First Capital Branch	601 South Main Street	Kingfisher	OK
Great Nations Bank Great Nations Bank Branch	2200 Alameda Street	Norman	OK
Vision Bank Vision Bank, National Association Branch	101 East Main Street	Ada	OK
American Bank of Oklahoma Muskogee Branch	3300 West Broadway	Muskogee	OK
Washita State Bank Washita State Bank Branch	701 State Highway 44	Burns Flat	OK
BANK360 Bank Of Cordell Branch	808 North Glenn English	Cordell	OK
Oklahoma Heritage Bank Oklahoma Heritage Bank Branch	Main And Ninth Streets	Roff	OK
The Peoples National Bank of Checotah The Peoples National Bank Of Checota Branch	Broadway And Gentry	Checotah	OK
First Texoma National Bank First Texoma National Bank Branch	220 West Main Street	Durant	OK
Farmers & Merchants Bank Farmers & Merchants Bank Branch	101 East Second Street	Duke	OK
Community Bank Community Bank Branch	1729 College Boulevard	Alva	OK
First Bank & Trust Company Billings Branch	111 West Main Street	Billings	OK
Local Bank Bank Of Cherokee County Branch	Main And Broadway	Hulbert	OK
Frazer Bank Frazer Bank Branch	110 East Broadway	Altus	OK
Chickasaw Community Bank Bank 2 Branch	909 South Meridian Avenue	Oklahoma City	OK
Alva State Bank & Trust Company Alva State Bank & Trust Company Branch	518 College Avenue	Alva	OK
First Bank & Trust Company Billings Branch	111 West Main Street	Billings	OK
Blue Sky Bank Blue Sky Bank Branch	101 East 8th Street	Pawhuska	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 Community Bank Branch	104 South Main Street	Bristow	OK
SpiritBank Spiritbank Branch	4815 South Harvard, Suite 100	Tulsa	OK
Oklahoma Capital Bank Oklahoma Capital Bank Branch	6555 North Peoria Street	Tulsa	OK
Citizens Bank of Ada Citizens Bank Of Ada Branch	123 West 12th Street	Ada	OK
Herring Bank First State Bank Of Altus Branch	721 North Main Street	Altus	OK
Stride Bank, National Association Central National Bank & Trust Co., Of Enid Branch	324 West Broadway	Enid	OK
Farmers and Merchants Bank Farmers And Merchants Bank Branch	225 E. Renfrow Ave	Arnett	OK
American Nation Bank Comanche Branch	122 Oak Main Street	Comanche	OK
Prism Bank Coyle Branch	116 West Main	Coyle	OK
Prosperity Bank Harvard Branch - Tulsa Ok	1330 South Harvard Ave	Tulsa	OK
Panhandle First Bank Bank Of The Panhandle Branch	13th And Main Streets	Guymon	OK
Alva State Bank & Trust Company Alva State Bank & Trust Company Branch	518 College Avenue	Alva	OK
The First National Bank and Trust Co., Chickasha, Oklahoma Alex Branch	102 South Main Street	Alex	OK
The Pauls Valley National Bank The First National Bank Of Davis Bra Branch	227 East Main	Davis	OK
The State Exchange Bank The State Exchange Bank Branch	1280 Main Street	Lamont	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
Carson Community Bank Peoples Bank Branch	121 South Williams Avenue	Westville	OK
Community National Bank of Okarche Fairview Branch	101 North Main	Fairview	OK
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	396 S Commercial Street	Welch	OK
Great Southern Bank Great Southern Bank Branch	4200 East Skelly Drive, Suite 900	Tulsa	OK
Cowboy Bank Goltry Branch	Main And Broadway	Goltry	OK
Welch State Bank of Welch, Okla. Welch State Bank Of Welch, Okla. Branch	396 S Commercial Street	Welch	OK
Carson Community Bank Peoples Bank Branch	121 South Williams Avenue	Westville	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 The City National Bank And Trust Company Of Lawton, Oklahoma Branch	500-600 D Avenue	Lawton	OK
NBC OKLAHOMA Nbc Oklahoma Branch	13401 North Pennsylvania Avenue	Oklahoma City	OK
Community National Bank of Okarche Fairview Branch	101 North Main	Fairview	OK
Vast Bank, National Association Owasso Branch	12401 East 86th Street North	Owasso	OK
Community State Bank Community State Bank Branch	525 N. Main Street	Hennessey	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
Prosperity Bank Harvard Branch - Tulsa Ok	1330 South Harvard Ave	Tulsa	OK
First National Bank and Trust Company of Ardmore First National Bank And Trust Compan Branch	405 West Main Street	Ardmore	OK
First Fidelity Bank Downtown Norman Office Branch	131 East Main Street	Norman	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
First National Bank and Trust Company of Ardmore First National Bank And Trust Compan Branch	405 West Main Street	Ardmore	OK
First National Bank & Trust Company of McAlester Hartshorne Branch	935 Pennsylvania Avenue	Hartshorne	OK
Shamrock Bank, N.A. Clayton State Bank Branch	318 Lawson Boulevard	Clayton	OK
MidFirst Bank Midfirst Bank Branch	501 Nw Grand Boulevard	Oklahoma City	OK
InterBank Hennessey Branch	101 North Main Street	Hennessey	OK
Security State Bank of Oklahoma Fairfax Branch	308 North Main Street	Fairfax	OK
First Bank and Trust Company First Bank And Trust Company Branch	501 Frisco Avenue	Clinton	OK
FSNB, National Association Fsnb, National Association Branch	1420 Southwest Lee Blvd	Lawton	OK
First Bank & Trust Co. Healdton Branch	313 West Main Street	Healdton	OK
Citizens Bank of Ada Citizens Bank Of Ada Branch	123 West 12th Street	Ada	OK
The Farmers State Bank The Farmers State Bank Branch	1101 West Main Street	Quinton	OK
The State Bank of Wynnewood The State Bank Of Wynnewood Branch	109 South Dean A. Mcgee Street	Wynnewood	OK
McClain Bank Mcclain Bank Branch	131 West Main Street	Purcell	OK
SNB Bank, National Association Snb Bank, National Association Branch	503 South Main Street	Shattuck	OK
UMB Bank, National Association Penn Square Branch	2079 Penn Sq	Oklahoma City	OK
The First National Bank and Trust Company of Broken Arrow The First National Bank And Trust Co Branch	121 South Main Street	Broken Arrow	OK
Commerce Bank Bank South Branch	6130 E 81st St	Tulsa	OK
BancFirst North Main Street Branch	101 North Main Street	Blackwell	OK
Equity Bank Newkirk Branch	102 South Main Street	Newkirk	OK
First United Bank and Trust Company Bokchito Branch	102 West Main Street	Bokchito	OK
BancFirst North Main Street Branch	101 North Main Street	Blackwell	OK
BancFirst North Main Street Branch	101 North Main Street	Blackwell	OK
First-Citizens Bank & Trust Company Landmark Towers Branch	3535 Nw 58th Street	Oklahoma City	OK
Bank of America, National Association Capitol Hill Branch	2701 South Harvey Ave	Oklahoma City	OK

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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.

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Oklahoma

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