Bank · FDIC insured
Monument Bank CD Rates
Monument Bank’s best CD rate is 4.24% APY on a 1-year CD. Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Monument Bank’s CD rates compare
Compared with banks and credit unions in Oklahoma, where Monument Bank has the most branches. $10,000, best rate first.
This bank’s best
Monument Bank
4.24%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $424
Standard CD
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
The Community State Bank
4.55%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $225
Monument Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.19%
- 9–15 months9–15 mo4.24%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.52%
- QualifiedQualified4.24%
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 Monument 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.
Standard CD
Up to 4.24%APY · 7 terms
Fees could reduce stated APY. Early withdrawal penalties apply. Rates change weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.19% | $79 |
| 6 months | 4.19% | $207 |
| 12 months | 4.24% | $424 |
| 18 months | 2.52% | $380 |
| 24 months | 2.52% | $510 |
| 30 months | 2.52% | $642 |
| 36 months | 2.52% | $775 |
Sources (1)
- monument.bank/about-us/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
IRA CD
Up to 2.63%APY · 2 terms
Offered as Traditional and Roth Individual Retirement Accounts with fixed terms. Early withdrawal penalty of 90 days interest, unless at least 59 1/2 years of age. Fees could reduce stated APY. Rates change weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsEarly withdrawal penalty of 90 days interest, unless at least 59 1/2 years of age | 2.63% | $397 |
| 30 monthsEarly withdrawal penalty of 90 days interest, unless at least 59 1/2 years of age | 2.52% | $642 |
Sources (2)
All captured Oct 5, 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.