Bank · FDIC insured
Cowboy First Bank CD Rates
Cowboy First Bank’s best CD rate is 3.75% APY on a 7-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Cowboy First Bank’s CD rates compare
Compared with banks and credit unions near Enid, OK, where Cowboy First Bank has the most branches. $10,000, best rate first.
This bank’s best
Cowboy First Bank
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Certificate of Deposit (CD)
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
BOK Financial
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
Cowboy First Bank CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.75%
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 Cowboy First Bank 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.
Certificate of Deposit (CD)
Up to 3.75%APY · 8 terms
Rates set by the Board of Directors of Cowboy First Bank and subject to change at any time. A penalty may be imposed for early withdrawal. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and APY for the next-lower CD Term time period. APY assumes interest payments are compounded monthly and remain on deposit. Accrued interest payable will not be paid if the account is closed before interest is paid.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day CD (Jumbo) | 2.25% | $113 |
| 6 months182 Day CD (Regular) | 2.00% | $101 |
| 7 months7 Month CD - Special (Jumbo). Special CD rates may be subject to additional terms and conditions | 3.75% | $217 |
| 7 months7 Month CD - Special (Regular). Special CD rates may be subject to additional terms and conditions | 3.75% | $217 |
| 12 months12 Month CD (Jumbo) | 2.50% | $250 |
| 12 months12 Month CD (Regular) | 2.25% | $225 |
| 13 months13 Month CD - Special (Jumbo). Special CD rates may be subject to additional terms and conditions | 3.50% | $380 |
| 13 months13 Month CD - Special (Regular). Special CD rates may be subject to additional terms and conditions | 3.50% | $380 |
| 24 months24 Month CD (Jumbo) | 2.50% | $506 |
| 24 months24 Month CD (Regular) | 2.25% | $455 |
| 36 months36 Month CD (Jumbo) | 2.50% | $769 |
| 36 months36 Month CD (Regular) | 2.25% | $690 |
| 48 months48 Month CD (Regular) | 2.25% | $931 |
| 60 months60 Month CD (Jumbo) | 2.50% | $1,314 |
| 60 months60 Month CD (Regular) | 2.25% | $1,177 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
12 Month IRA (Fixed)
3.46%APY · 1 term
Fixed rate. A penalty may be imposed for early withdrawal. APY assumes interest payments are compounded quarterly on IRA Accounts and will remain on deposit. Accrued interest payable will not be paid if the account is closed before interest is paid. Rates set by the Board of Directors of Cowboy First Bank and subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.46% | $346 |
Sources (1)
- cowboyfirst.bank/_files/ugd/09…4406b015cf79e32b7c28.pdf · captured Sep 18, 2026
12 Month IRA (Variable)
2.23%APY · 1 term
Variable rate. A penalty may be imposed for early withdrawal. APY assumes interest payments are compounded quarterly on IRA Accounts and will remain on deposit. Accrued interest payable will not be paid if the account is closed before interest is paid. Rates set by the Board of Directors of Cowboy First Bank and subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.23% | $223 |
Sources (1)
- cowboyfirst.bank/_files/ugd/09…4406b015cf79e32b7c28.pdf · captured Sep 18, 2026
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.