Bank · FDIC insured
Exchange Bank and Trust Company CD Rates
Exchange Bank and Trust Company’s best CD rate is 4.06% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Exchange Bank and Trust Company’s CD rates compare
Compared with banks and credit unions near Stillwater, OK, where Exchange Bank and Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank and Trust Company
4.00%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $434
Certificate of Deposit
Top rate
Payne County Bank
4.35%APY
- Term
- 14 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Oklahoma Community Credit Union
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Exchange Bank and Trust Company CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.96%
- QualifiedQualified4.00%
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 Exchange Bank and Trust Company 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
Up to 4.00%APY · 10 terms
Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.
| Term | APY · Any balance | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 monthTerm is 7-31 Days. Minimum opening balance of $25,000 | — | — | — | 2.78% | — | —2.78% from $25k | — |
| 3 months | — | 3.55% | 3.65% | — | 3.75% | 3.55%3.65% $25k–$100k3.75% from $100k | $88 |
| 6 months | — | 3.75% | 3.85% | — | 3.96% | 3.75%3.85% $25k–$100k3.96% from $100k | $186 |
| 12 months | — | 3.96% | 3.96% | — | 4.00% | 3.96%3.96% $25k–$100k4.00% from $100k | $396 |
| 13 months13 Month Add on CD | 4.00% | — | — | — | — | 4.00% | $434 |
| 18 months | — | 3.85% | 3.96% | — | 4.06% | 3.85%3.96% $25k–$100k4.06% from $100k | $583 |
| 24 months | — | 3.85% | 3.96% | — | 4.06% | 3.85%3.96% $25k–$100k4.06% from $100k | $785 |
| 36 monthsEscalator CD | — | 3.85% | 3.96% | — | 4.06% | 3.85%3.96% $25k–$100k4.06% from $100k | $1,200 |
| 48 months | — | 3.96% | 4.06% | — | 4.06% | 3.96%4.06% $25k–$100k4.06% from $100k | $1,681 |
| 60 months | — | 3.96% | 4.06% | — | 4.06% | 3.96%4.06% $25k–$100k4.06% from $100k | $2,143 |
Sources (1)
- easybanking.bank/personal-banking/savings-and-cds · captured Sep 18, 2026
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