Oklahoma

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Enid, Oklahoma CD Rates – 6-Month

You are viewing rates from banks across Enid





Below are the best six-month CD Rates from banks with branches in Enid, Oklahoma . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Enid, OK - August 1, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

Rate History: 3.35% → 4.25%

| 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

Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| 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

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 0.15% → 2.55% → 2.45% → 2.30% → 2.05%

| May 29, 2020

Dua Read More

0.60%

$1,000

9.34

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0.50%

$10,000

5.77

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0.50%

$10,000

3.85

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0.45%

$10,000

24.89

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0.35%

$10,000

2.99

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0.35%

$100,000

2.23

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0.35%

$100,000

15.59

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0.30%

$10,000

18.06

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0.30%

$10,000

15.59

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0.25%

$1,000

3.04

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0.25%

$10,000

2.23

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0.25%

$10,000

4.11

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| 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

0.25%

$10,000

20.70

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| 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

| 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

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 Enid, OK - August 1, 2025


Branch Street City State
Gateway First Bank
Nash Branch
107 South Main Street Nash OK
BOKF, National Association
Northwest Branch
2308 North Van Buren Street Enid OK
ACB Bank
Waukomis Branch
100 N Main Street Waukomis OK
The City National Bank and Trust Company of Lawton, Oklahoma
Walmart Enid Branch
5505 W Owen K Garriott Rd Enid OK
NBC OKLAHOMA
Oakwood Branch
3202 West Owen K. Garriott Enid OK
Cleo State Bank
Jet Branch
Fifth And Highway 64 Jet OK
The First State Bank of Pond Creek, Oklahoma
Enid Branch
2112 W. Willow Enid OK
Alva State Bank & Trust Company
Enid Branch
801 West Broadway Enid OK
First Bank & Trust Company
Covington Branch
4th And Main Streets Covington OK
Cowboy Bank
Goltry Branch
Main And Broadway Goltry OK
First Bank & Trust Company
Covington Branch
4th And Main Streets Covington OK
Stride Bank, National Association
West Willow Branch
2219 West Willow Enid OK
Alva State Bank & Trust Company
Enid Branch
801 West Broadway Enid OK
The Security National Bank of Enid
West Office Branch
210 North Oakwood Road Enid OK
InterBank
Enid Branch
510 North Commerce Enid OK
Community State Bank
Community State Bank Branch
525 N. Main Street Hennessey OK


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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