Bank · FDIC insured
First Oklahoma Bank Savings Rates
First Oklahoma Bank’s best savings rate is 1.35% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How First Oklahoma Bank’s savings rates compare
Compared with banks and credit unions near Tulsa, OK, where First Oklahoma Bank has the most branches. $10,000, best rate first.
This bank’s best
First Oklahoma Bank
1.35%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $135
Money Market Account
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
First Oklahoma Bank savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.35%
- QualifiedQualified1.35%
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 First Oklahoma Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.35%APY
Up to six free withdrawals per statement cycle. $1 charge for additional withdrawals. Maintain a $2,500 balance or more to avoid a monthly fee of $10.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. | 1.35% | $135 | Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. |
| $50,000 – $100,000Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. | 1.35% | — | Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. |
| $100,000 – $250,000Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. | 1.35% | — | Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. |
| $250,000 – $999,999Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. | 1.75% | — | Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. |
| $1,000,000 and upMaintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. | 2.00% | — | Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly. |
Sources (2)
All captured Oct 16, 2026
Basic Savings Account
0.10%APY
Up to 6 free withdrawals per statement cycle; $1 charge for additional withdrawals. Maintain a $100 balance to avoid a $3 monthly fee. Tiered interest paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Maintain a $100 balance to avoid a $3 monthly fee. | 0.10% | $10 | Maintain a $100 balance to avoid a $3 monthly fee. |
| $50,000 – $100,000Maintain a $100 balance to avoid a $3 monthly fee. | 0.15% | — | Maintain a $100 balance to avoid a $3 monthly fee. |
| $100,000 – $250,000Maintain a $100 balance to avoid a $3 monthly fee. | 0.20% | — | Maintain a $100 balance to avoid a $3 monthly fee. |
| $250,000 – $999,999Maintain a $100 balance to avoid a $3 monthly fee. | 0.25% | — | Maintain a $100 balance to avoid a $3 monthly fee. |
| $1,000,000 and upMaintain a $100 balance to avoid a $3 monthly fee. | 0.30% | — | Maintain a $100 balance to avoid a $3 monthly fee. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- images.firstoklahomabank.com/RateSheet.pdf · captured Oct 16, 2026
Youth Savings Account
0.30%APY
Up to six free withdrawals per statement cycle; $1 charge for additional withdrawals. Maintain a $50 balance to avoid a monthly fee ($1 if balance falls below $50). Tiered interest paid quarterly. $25 bonus at account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Maintain a $50 balance to avoid a $1 monthly fee. | 0.00% | — | Maintain a $50 balance to avoid a $1 monthly fee. |
| $100 – $50,000Maintain a $50 balance to avoid a $1 monthly fee. | 0.30% | $30 | Maintain a $50 balance to avoid a $1 monthly fee. |
| $50,000 and upMaintain a $50 balance to avoid a $1 monthly fee. | 0.30% | — | Maintain a $50 balance to avoid a $1 monthly fee. |
Sources (2)
All captured Oct 16, 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.