Bank · FDIC insured
Payne County Bank CD Rates
Top CarrotPayne County Bank’s best CD rate is 4.35% APY on a 14-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Payne County Bank’s CD rates compare
Compared with banks and credit unions near Stillwater, OK, where Payne County Bank has the most branches. $10,000, best rate first.
This bank’s best
Payne County Bank
4.35%APY
- Term
- 14 months
- Minimum
- $5,000
- Earns on $10,000
- $509
Promotional CD
2nd-highest rate
Oklahoma Community Credit Union
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
3rd-highest rate
BOK Financial
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
Payne County Bank CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.35%
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 Payne County 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.
Promotional CD
4.35%APY · 1 term
Specialty CD; $5,000 minimum deposit; fixed interest rate; interest paid varies with term; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsTerm: 14 Month Promotional CD; $5,000 minimum; Fixed interest rate; 0 interest rate increases per term; Early withdrawal penalty equal to 3 months interest | 4.35% | $509 |
Sources (2)
All captured Oct 15, 2026
Certificates of Deposit
Up to 4.25%APY · 10 terms
$1,000 minimum deposit to open; Interest payable monthly on deposits of $5,000 or more; Early withdrawal penalty applies (3 months interest for < 18 months maturity, 6 months interest for 18 months or longer).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–2 monthsTerm: 30 to 89 Days; Fixed interest rate; Early withdrawal penalty equal to 3 months interest | 2.55% | $21 |
| 3–6 monthsTerm: 90 to 180 Days; Fixed interest rate; Early withdrawal penalty equal to 3 months interest | 2.65% | $66 |
| 6 monthsTerm: 6 Months; Fixed interest rate; Early withdrawal penalty equal to 3 months interest | 2.75% | $137 |
| 12 monthsTerm: 12 Months; Fixed interest rate; Early withdrawal penalty equal to 3 months interest | 3.40% | $340 |
| 18 monthsTerm: 18 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 2.90% | $438 |
| 24 monthsTerm: 24 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 3.00% | $609 |
| 30 monthsTerm: 30 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 2.80% | $715 |
| 36 monthsTerm: 36 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 4.00% | $1,249 |
| 48 monthsTerm: 48 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 4.10% | $1,744 |
| 60 monthsTerm: 60 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest | 4.25% | $2,313 |
Sources (2)
All captured Oct 15, 2026
Special CD
Up to 4.25%APY · 2 terms
Specialty CD; $5,000 minimum deposit; fixed interest rate; interest paid varies with term; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsTerm: 5 Month Special CD; $5,000 minimum; Fixed interest rate; 0 interest rate increases per term; Early withdrawal penalty equal to 3 months interest | 4.00% | $165 |
| 9 monthsTerm: 9 Month Special CD; $5,000 minimum; Fixed interest rate; 0 interest rate increases per term; Early withdrawal penalty equal to 3 months interest | 4.25% | $317 |
Sources (2)
All captured Oct 15, 2026
Elevator CD
Up to 3.75%APY · 3 terms
Specialty CD; $1,000 minimum deposit; fixed interest rate; interest paid varies with term; allows rate bump option(s) per term; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsTerm: 18-months; Fixed interest rate; Includes one interest rate bump option; Early withdrawal penalty equal to 6 months interest | 2.75% | $415 |
| 30 monthsTerm: 30-months; Fixed interest rate; Includes one interest rate bump option; Early withdrawal penalty equal to 6 months interest | 3.50% | $898 |
| 42 monthsTerm: 42-months; Fixed interest rate; Includes two interest rate bump options; Early withdrawal penalty equal to 6 months interest | 3.75% | $1,375 |
Sources (2)
All captured Oct 15, 2026
Dream CD
2.35%APY · 1 term
$100 to open; add to it any time; variable rate; 12 mo. term; interest paid at maturity; early withdrawal penalty is 6 months interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate; add to it any time; interest paid at maturity; penalty is 6 months interest | 2.35% | $235 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.25%APY · 3 terms
Certificates of Deposit terms designated as eligible for IRA products in the rate schedule ($1,000 minimum deposit to open; early withdrawal penalty applies).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months; Fixed interest rate; Eligible for IRA products; Early withdrawal penalty equal to 3 months interest | 3.40% | $340 |
| 36 monthsTerm: 36 Months; Fixed interest rate; Eligible for IRA products; Early withdrawal penalty equal to 6 months interest | 4.00% | $1,249 |
| 60 monthsTerm: 60 Months; Fixed interest rate; Eligible for IRA products; Early withdrawal penalty equal to 6 months interest | 4.25% | $2,313 |
Sources (2)
All captured Oct 15, 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.