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Certificates of Deposit

Secure Your Savings with a Certificate of Deposit (CD)
Looking for a safe and reliable way to grow your money? A Certificate of Deposit (CD) offers guaranteed returns with fixed interest rates over a set term. Whether you're saving for a future goal or simply want to earn more than a traditional savings account, our CDs provide peace of mind and predictable growth.

With competitive returns and variable term lengths, CDs help you save for both short and long term goals.

Deposit Account Interest Rates

IMPORTANT: Rates listed below are current as of 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 3.490% 3.55% OPEN AN ACCOUNT
6 Month Special 3.445% 3.50% OPEN AN ACCOUNT
12 Month Special 3.200% 3.25% OPEN AN ACCOUNT
24 Month Special 2.720% 2.75% OPEN AN ACCOUNT

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 1.00% 1.00%
6 Month CD 1.24% 1.25%
12 Month CD $1,000 1.49% 1.50%
18 Month CD 1.74% 1.75%
24 Month CD $1,000 1.98% 2.00%
36 Month CD 2.23% 2.25%
48 Month CD $1,000 2.13% 2.15%
60 Month CD 2.47% 2.50%

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 principle 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 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.