Bank · FDIC insured
BOK Financial CD Rates
BOK Financial’s best CD rate is 4.25% APY on a 14-month CD. Terms run from 1 month to 7 years. Rates checked October 15, 2026.
How BOK Financial’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where BOK Financial has the most branches. $10,000, best rate first.
This bank’s best
BOK Financial
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
Promotional CD
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
BOK Financial CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BOK Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Promotional CD
Up to 4.25%APY · 4 terms
No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months4 Month Promo; $1,000 opening deposit required / $1,000,000 max | 3.50% | $115 |
| 10 months10 Month Promo; $1,000 opening deposit required / $1,000,000 max | 4.15% | $345 |
| 14 months14 Month Promo; $1,000 opening deposit required / $1,000,000 max | 4.25% | $498 |
| 17 months17 Month Promo; $1,000 opening deposit required / $1,000,000 max | 3.90% | $557 |
Sources (2)
- bokfinancial.com/personal/prod…/certificates-of-deposit
- bokfinancial.com/landing-pages…ditions-ar/current-rates
All captured Oct 5, 2026
Flex CD
3.00%APY · 1 term
No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY | 3.00% | $376 |
Sources (2)
- bokfinancial.com/personal/prod…/certificates-of-deposit
- bokfinancial.com/landing-pages…ditions-ar/current-rates
All captured Oct 5, 2026
No Penalty CD
3.00%APY · 1 term
No monthly fee. Withdraw your money at any time and pay no penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY | 3.00% | $174 |
Sources (2)
- bokfinancial.com/personal/prod…/certificates-of-deposit
- bokfinancial.com/landing-pages…ditions-ar/current-rates
All captured Oct 5, 2026
Standard CD
Up to 2.00%APY · 15 terms
No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 months7 Days term | 0.06% | $0 |
| 1 month30 Days term | 0.06% | $0 |
| 2 months60 Days term | 0.06% | $1 |
| 3 months90 Days term | 0.06% | $1 |
| 4 months120 Days term | 2.00% | $66 |
| 6 months180 Days term | 1.50% | $75 |
| 9 months270 Days term | 1.75% | $131 |
| 12 months1 Year term | 1.50% | $150 |
| 17 months17 Months term | 1.50% | $213 |
| 18 months18 Months term | 1.50% | $226 |
| 24 months2 Years term | 1.50% | $302 |
| 36 months3 Years term | 1.50% | $457 |
| 48 months4 Years term | 1.50% | $614 |
| 60 months5 Years term | 1.50% | $773 |
| 84 months7 Years term | 1.50% | $1,098 |
Sources (2)
- bokfinancial.com/personal/prod…/certificates-of-deposit
- bokfinancial.com/landing-pages…ditions-ar/current-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA CD
Up to 4.15%APY · 13 terms
Can be styled as Traditional or Roth IRAs. Pair with Premier Checking to receive a 0.10% interest rate bonus on select FDIC-insured IRAs upon request.
| Term | APY · Any balance | APY · Up to $250,000 | APY · Up to $500,000 | APY · Up to $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months6 Months term | 1.50% | — | — | — | 1.50% | $75 |
| 7 months7 Month No Penalty IRA CD; $1,000 opening deposit required / $250,000 max | — | 3.00% | — | — | 3.00% | $174 |
| 10 months10 Month Promo IRA CD; $1,000 opening deposit required / $1,000,000 max | — | — | — | 4.15% | 4.15% | $345 |
| 12 months1 Year term | 1.50% | — | — | — | 1.50% | $150 |
| 15 months15 Month Flex IRA CD; $1,000 opening deposit required / $500,000 max | — | — | 3.00% | — | 3.00% | $376 |
| 17 months17 Month Promo IRA CD; $1,000 opening deposit required / $1,000,000 max | — | — | — | 3.90% | 3.90% | $557 |
| 17 months17 Months term | 1.50% | — | — | — | 1.50% | $213 |
| 18 months18 Months term | 1.50% | — | — | — | 1.50% | $226 |
| 24 months2 Years term | 1.50% | — | — | — | 1.50% | $302 |
| 30 months30 Months term | 1.50% | — | — | — | 1.50% | $379 |
| 36 months3 Years term | 1.50% | — | — | — | 1.50% | $457 |
| 48 months4 Years term | 1.50% | — | — | — | 1.50% | $614 |
| 60 months5 Years term | 1.50% | — | — | — | 1.50% | $773 |
| 84 months7 Years term | 1.50% | — | — | — | 1.50% | $1,098 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.