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Deposit Account Interest Rates

IMPORTANT: Rates listed below are current as of 9/29/2026 and may change without notice. For our most current rates, please call 918-495-1700.

CD SPECIALS—Consumer/Commercial Certificates of Deposit3, 4, A, E

(Available for IRAs—Penalties may be imposed for early withdrawal)

Product Minimum to Open/Maintain Rate APY 1
3 Month Special $1,000 3.445% 3.50%
6 Month Special 3.59% 3.65%
12 Month Special 3.83% 3.90%
13 Month Special 4.17% 4.25%
24 Month Special 4.12% 4.20%
3 Month Jumbo Special $100,000 3.68% 3.75%
6 Month Jumbo Special 3.83% 3.90%
12 Month Jumbo Special 4.07% 4.15%
24 Month Jumbo Special 4.36% 4.45%

Consumer/Commercial Certificates of Deposit3, 4, A

(Available for IRAs—Penalties may be imposed for early withdrawal)

Product Minimum to Open/Maintain Rate APY 1
3 Month CD $1,000 2.96% 3.00%
6 Month CD 3.10% 3.15%
12 Month CD 3.34% 3.40%
18 Month CD 3.49% 3.55%
24 Month CD 3.63% 3.70%
36 Month CD 3.34% 3.40%
48 Month CD 3.25% 3.30%
60 Month CD 3.25% 3.30%
3 Month Jumbo CD $100,000 3.20% 3.25%
6 Month Jumbo CD 3.34% 3.40%
12 Month Jumbo CD 3.59% 3.65%
18 Month Jumbo CD 3.73% 3.80%
24 Month Jumbo CD 3.88% 3.95%
36 Month Jumbo CD 3.34% 3.40%
48 Month Jumbo CD 3.49% 3.55%
60 Month Jumbo CD 3.49% 3.55%

Consumer Interest-Bearing Checking Accounts5, B

Product Minimum to Open Interest Tiers Rate APY 1
Rewards Checking $100 Up to $25,000 2 2.47% 2.50%
Above $25,000 2 0.12% 0.12%
Non-qualifying balances 0.00% 0.00%
Interest Plus Checking 4 $100 All balances 0.02% 0.02%

Commercial Interest-Bearing Checking Accounts5, B

Product Minimum to Open Interest Tiers Rate APY 1
Not-for-Profit 4 $100 $1,500 or greater 0.02% 0.02%

Consumer/Business Savings Accounts5

Product Minimum to Open Interest Tiers Rate APY 1
Savings 4 A $100 All balances 0.20% 0.20%
Platinum Savings 4 A $100 All balances 2.47% 2.50%
Money Market 4 B C $1,000 $1,000 to $9,999.99 0.50% 0.50%
$10,000 to $49,999.99 0.75% 0.75%
$50,000 to $99,999.99 1.00% 1.00%
$100,000 or greater 1.24% 1.25%

Glossary

  • 1 - APY = Annual Percentage Yield
  • 2 - Must meet minimum monthly qualifications to earn premium rate
  • 3 - A penalty may be imposed for early withdrawal
  • 4 - Account fees may reduce earnings
  • 5 - Interest rate and APY may change after account opening
  • 6 - Product available to Consumer ONLY
  • 7 - Product available to Business ONLY
  • 8 - Product available to Consumer and Business
  • A - Daily Balance - interest is paid on the amount of principal in the account each day
  • B - Daily Collected Balance - The amount of the collected balance in the account each day
  • C - APY is paid on balances of $1,000 or greater
  • D - Indexed to Wall Street Journal Prime rates minus 3%
  • E - Upon maturity, CD Specials will auto-renew into a standard CD for the same term at the rate offered at time of renewal

* APY = Annual Percentage Yield. APYs are accurate as of . Rate are subject to change, without notice. Penalties may be assessed with early withdrawals. Fees may reduce earnings. Minimum deposit to open, maintain and obtain promotional APY is $1,000. Minimum withdrawal amount of $2,500 and may reduce earnings. Offer not available for public funds, institutional funds, or brokered funds.  Maximum deposit of $10,000,000 per person or business. 

The APY on the 3, 6, 12, 13 and 24-month CD Specials is fixed for the initial term of the CD. Upon maturity, CD Specials will auto-renew into a standard CD for the same term at the rate offered at time of renewal.

**All CDs receive FDIC insurance up to the maximum allowed by law.