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Oklahoma CD Rates 2016

Below are the best one year CD Rates from banks in Oklahoma. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

OK - December 9, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
American Bank Of Oklahoma 1.22% $100,000 -
Firstbank 1.20% $75,000 -
Frontier State Bank 1.20% $100,000 -
Washita State Bank 1.15% $100,000 -
Frontier State Bank 1.10% $1 -
Washita State Bank 1.05% $1 -
1.02% $500 -
Crossfirst Bank 1.00% $1,000 -
Frontier State Bank 0.98% $100,000 -
Frontier State Bank 0.97% $1,000 -
Washita State Bank 0.96% $100,000 -
Washita State Bank 0.95% $1,000 -
Welch State Bank Of Welch, Okla. 0.92% $25,000 -
Patriot Bank 0.90% $2,000 -
Regent Bank 0.90% $1,000 -
First Oklahoma Bank 0.90% $1,000 -
The First State Bank 0.90% $100,000 -
First Bank Of Chandler 0.85% $100,000 -
The Bank, National Association 0.85% $100,000 -
Prime Bank 0.85% $1,000 -
American Bank Of Oklahoma 0.85% $1,000 -
Oklahoma State Bank 0.80% $1,000 -
Banccentral, National Association 0.80% $100,000 -
First Bank 0.80% $1,000 -
Bank 7 0.75% $1,000 -
Grant County Bank 0.75% $1,000 -
The First State Bank 0.75% $5,000 -
Bank Of Laverne 0.75% $1,000 -
Alva State Bank & Trust Company 0.75% $100,000 -
American Bank And Trust Company 0.75% $100,000 -
The Bank Of Kremlin 0.75% $1,000 -
First Bank & Trust Company 0.75% $1,000 -
First Pryority Bank 0.72% $1,000 -
Banccentral, National Association 0.70% $500 -
The Community State Bank 0.70% $1,000 -
The Bank, National Association 0.70% $1,000 -
First National Bank 0.70% $1,000 -
The First State Bank 0.70% $1,000 -
First Bank Of Chandler 0.70% $1,000 -
The Central National Bank Of Poteau 0.70% $100,000 -
Freedom Bank Of Oklahoma 0.70% $1,000 -
Security Bank 0.70% $500 -
Firstbank 0.70% $500 -
Community Bank 0.67% $2,500 -
Security First National Bank Of Hugo 0.66% $70,000 -
Central Bank Of Oklahoma 0.65% $1,000 -
The Seiling State Bank 0.65% $1,000 -
Central National Bank & Trust Co., Of Enid 0.65% $1,000 -
Sooner State Bank 0.65% $10,000 -
Valley National Bank 0.65% $1,000 -
Bank Of Cherokee County 0.65% $1,000 -
American Heritage Bank 0.65% $1,000 -
Liberty Fsb 0.65% $500 -
Exchange Bank And Trust Company 0.65% $100,000 -
Citizens Bank Of Oklahoma 0.60% $5,000 -
The First State Bank Of Pond Creek, Oklahoma 0.60% $1,000 -
The Seiling State Bank 0.60% $100,000 -
Farmers State Bank, Allen, Oklahoma 0.60% $100,000 -
State Guaranty Bank 0.60% $2,500 -
Spiritbank 0.60% $1,000 -
Bank Of The Panhandle 0.60% $100,000 -
First Security Bank And Trust Company 0.60% $100,000 -
American Bank And Trust Company 0.60% $1,000 -
The Central National Bank Of Poteau 0.60% $1,000 -
Grand Bank 0.60% $1,000 -
The Bank Of The West 0.60% $1,000 -
Alva State Bank & Trust Company 0.55% $1,000 -
Fairview Savings And Loan Association 0.55% $100 -
The Farmers And Merchants National Bank Of Fairview 0.55% $500 -
Exchange Bank And Trust Company 0.55% $1,000 -
Prosperity Bank 0.55% $100,000 -
Valor Bank 0.55% $1,000 -
The First National Bank And Trust Company Of Okmulgee 0.55% $2,500 -
Armstrong Bank 0.55% $100,000 -
Mcclain Bank 0.55% $100,000 -
The First National Bank And Trust Company Of Vinita 0.55% $100,000 -
Bank Of Commerce 0.55% $1,000 -
First National Bank And Trust Company 0.55% $100,000 -
Walters Bank And Trust Company 0.50% $1,000 -
Frazer Bank 0.50% $50,000 -
The First Bank Of Okarche 0.50% $100,000 -
City Bank And Trust Company 0.50% $100,000 -
Southwest National Bank 0.50% $500 -
The First National Bank And Trust Company Of Vinita 0.50% $100,000 -
Farmers & Merchants Bank 0.50% $50,000 -
Stroud National Bank 0.50% $1,000 -
American Bank Of Oklahoma 0.50% $1,000 -
The Security National Bank Of Enid 0.50% $1,000 -
Grand Savings Bank 0.50% $1,000 -
First State Bank 0.50% $500 -
First Bank And Trust Company 0.50% $1,000 -
Farmers State Bank, Allen, Oklahoma 0.50% $1,000 -
Bank Of Cordell 0.50% $1,000 -
Farmers Exchange Bank 0.50% $100,000 -
The First National Bank Of Pawnee 0.50% $1,000 -
Peoples Bank 0.50% $1,000 -
Great Nations Bank 0.50% $1,000 -
Bank Of Hydro 0.50% $1,000 -
The First National Bank Of Lindsay 0.50% $100,001 -
The First National Bank Of Thomas 0.50% $500 -
The State Exchange Bank 0.50% $1,000 -
Cornerstone Bank 0.50% $1,000 -
First National Bank In Hominy 0.50% $2,500 -
International Bank Of Commerce 0.50% $100,000 -
Oklahoma Heritage Bank 0.50% $1,000 -
Prosperity Bank 0.50% $10,000 -
Vision Bank, National Association 0.50% $100,000 -
Farmers And Merchants Bank 0.50% $500 -
Liberty Fsb 0.50% $500 -
Peoples Bank And Trust Company 0.50% $500 -
Bank Of Grove 0.50% $1,000 -
Community State Bank Of Canton 0.50% $1,000 -
American Nation Bank 0.50% $500 -
Bank Of Vici 0.45% $1,000 -
Triad Bank, National Association 0.45% $100,000 -
Cleo State Bank 0.45% $1,000 -
First National Bank And Trust Company Of Ardmore 0.45% $100,000 -
Farmers & Merchants Bank 0.45% $1,000 -
The First National Bank Of Lindsay 0.45% $5,000 -
Nbc Oklahoma 0.45% $1,000 -
City Bank And Trust Company 0.45% $1,000 -
Great Plains National Bank 0.45% $1,000 -
Bank Of Cushing 0.45% $2,500 -
The First National Bank And Trust Company Of Vinita 0.45% $1,000 -
Firstar Bank, National Association 0.45% $100,000 -
The Payne County Bank 0.45% $1,000 -
The First National Bank Of Stigler 0.45% $2,500 -
First National Bank And Trust Company 0.45% $1,000 -
Herring Bank 0.45% $1,000 -
Allnations Bank 0.45% $500 -
First National Bank Of Weatherford 0.45% $100,000 -
The First National Bank Of Fort Smith 0.41% $50,000 -
The First National Bank And Trust Company Of Vinita 0.40% $1,000 -
First United Bank And Trust Company 0.40% $500 -
Interbank 0.40% $500 -
Frazer Bank 0.40% $10,000 -
Armstrong Bank 0.40% $10,000 -
Arvest Bank 0.40% $95,000 -
First National Bank And Trust Company Of Ardmore 0.40% $1,000 -
Ynb 0.40% $1,000 -
Bancfirst 0.40% $1,000 -
The First National Bank And Trust Co., Chickasha, Oklahoma 0.40% $1,000 -
All America Bank 0.40% $500 -
Bank Of The Panhandle 0.40% $1,000 -
Security First National Bank Of Hugo 0.40% $1,000 -
Farmers Exchange Bank 0.40% $10,000 -
First National Bank Of Oklahoma 0.40% $1,000 -
The First National Bank Of Coweta 0.40% $100,000 -
Avb Bank 0.40% $100,000 -
First Bank & Trust Company 0.40% $100,000 -
Bank Snb 0.40% $1,000 -
Vision Bank, National Association 0.40% $1,000 -
Snb Bank, National Association 0.40% $500 -
Latimer State Bank 0.40% $1,000 -
The Citizens State Bank 0.40% $10,000 -
Shamrock Bank, N.a. 0.40% $1,000 -
Community National Bank Of Okarche 0.40% $10,000 -
Mcclain Bank 0.40% $1,000 -
First National Bank Of Weatherford 0.40% $500 -
Bokf, National Association 0.40% $100,000 -
First Bethany Bank & Trust 0.40% $1,000 -
The First Bank Of Okarche 0.40% $500 -
Quail Creek Bank, National Association 0.40% $2,500 -
The Exchange Bank 0.40% $1,000 -
Security State Bank Of Wewoka, Oklahoma 0.40% $1,000 -
Triad Bank, National Association 0.40% $1,000 -
Valliance Bank 0.40% $1,000 -
Bank Of Commerce 0.35% $100,000 -
First United Bank And Trust Company 0.35% $500 -
Avb Bank 0.35% $2,500 -
Great Southern Bank 0.35% $250 -
Midfirst Bank 0.35% $500 -
Commerce Bank 0.35% $10,000 -
Bancfirst 0.35% $500 -
The First State Bank 0.35% $1,000 -
Welch State Bank Of Welch, Okla. 0.35% $100,000 -
First National Bank & Trust Company Of Mcalester 0.35% $1,000 -
Peoples State Bank 0.35% $1,000 -
The Stock Exchange Bank 0.35% $100,000 -
First Bank & Trust Co. 0.35% $1,000 -
The Farmers State Bank 0.35% $1,000 -
Fidelity Bank 0.35% $1,000 -
Liberty National Bank 0.35% $1,000 -
Stockmans Bank 0.35% $1,000 -
The Farmers Bank 0.35% $2,500 -
Bokf, National Association 0.35% $1,000 -
Rcb Bank 0.35% $1,000 -
Citizens Bank Of Ada 0.33% $100,000 -
Mabrey Bank 0.33% $100,000 -
The First National Bank Of Fort Smith 0.32% $1,000 -
Bear State Bank 0.31% $1,000 -
Intrust Bank, National Association 0.30% $500 -
Acb Bank 0.30% $1,000 -
The First National Bank Of Coweta 0.30% $1,000 -
Arvest Bank 0.30% $10,000 -
The First National Bank And Trust Company Of Miami 0.30% $1,000 -
The City National Bank And Trust Company Of Lawton, Oklahoma 0.30% $500 -
First Security Bank And Trust Company 0.30% $1,000 -
Citizens Bank And Trust Company Of Ardmore 0.30% $100,000 -
First Bank & Trust Company 0.30% $1,500 -
Security Bank And Trust Company 0.30% $1,000 -
The Pauls Valley National Bank 0.30% $1,000 -
First Bank & Trust Co. 0.30% $1,000 -
Bank Of Commerce 0.30% $1,000 -
First Fidelity Bank, National Association 0.30% $2,500 -
Umb Bank, National Association 0.30% $500 -
Peoples Bank 0.30% $1,000 -
Fsnb, National Association 0.30% $500 -
Kirkpatrick Bank 0.30% $1,000 -
Legacy Bank 0.30% $1,000 -
Farmers And Merchants Bank 0.30% $1,000 -
The State Bank Of Wynnewood 0.27% $1,000 -
First State Bank 0.27% $1,000 -
International Bank Of Commerce 0.25% $10,000 -
The First National Bank And Trust Company Of Broken Arrow 0.25% $1,000 -
F & M Bank 0.25% $1,000 -
Landmark Bank, National Association 0.25% $5,000 -
Firstar Bank, National Association 0.25% $1,000 -
First Texoma National Bank 0.25% $1,000 -
Citizens Bank And Trust Company Of Ardmore 0.25% $100 -
Welch State Bank Of Welch, Okla. 0.25% $500 -
The Stock Exchange Bank 0.25% $500 -
Community State Bank 0.25% $1,000 -
First Bank & Trust Co. 0.25% $1,000 -
First United Bank And Trust Company 0.25% $500 -
Citizens Bank Of Ada 0.25% $1,000 -
Mabrey Bank 0.23% $2,000 -
Bank Of Commerce 0.20% $500 -
Bank Of The West 0.20% $10,000 -
The Eastman National Bank Of Newkirk 0.20% $1,000 -
Lakeside State Bank 0.20% $500 -
Advantage Bank 0.15% $500 -
First State Bank 0.15% $1,000 -
Fnb Community Bank 0.15% $1,000 -
First-citizens Bank & Trust Company 0.10% $10,000 -
Bank Of America, National Association 0.07% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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, you 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 BOOSTER CALCULATOR

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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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