Bank · FDIC insured
RCB Bank CD Rates
RCB Bank’s best CD rate is 4.66% APY on a 26-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How RCB Bank’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where RCB Bank has the most branches. $10,000, best rate first.
This bank’s best
RCB Bank
3.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,734
Certificates of Deposit
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
RCB Bank CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo2.95%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 RCB 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.
Route 66 CD Special
4.66%APY · 1 term
Available on consumer CDs to all existing customers and to new customers residing in KS or OK only. Minimum balance of $66,000 to obtain advertised APY. A penalty will be imposed for early withdrawal. Interest cannot remain on deposit and must be deposited into an RCB Bank checking, savings, or money market.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 26 months26-Month Fixed Rate CD. Minimum balance of $66,000 to obtain advertised APY. Penalty for early withdrawal. Interest cannot remain on deposit and must be deposited into an RCB Bank checking, savings, or money market. Available on consumer CDs to all existing customers and to new customers residing in KS or OK only | 4.66% | — |
Sources (3)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.25%APY · 10 terms
Interest compounded and credited monthly. Interest payment options available. Convenience of automatic renewal. Terms range from 30 days to 5 years with fixed, variable, or pop-up options. A penalty may be imposed for early withdrawal. Assumes interest will remain on deposit until maturity. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30 Day Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 0.10% | $1 |
| 3 months91 Day Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 2.88% | $71 |
| 6 months182 Day Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 2.95% | $146 |
| 12 months12 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 3.03% | $303 |
| 18 months18 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 1.65% | $249 |
| 18 months18 Month Variable term. Variable rates may change after account opening. Penalty for early withdrawal | 2.05% | $309 |
| 24 months24 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 2.80% | $568 |
| 25 months25 Month Pop-up term. You may change the rate once during the term to match current posted rate. Penalty for early withdrawal | 3.10% | $657 |
| 36 months36 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 3.15% | $975 |
| 48 months48 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 3.20% | $1,343 |
| 60 months60 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal | 3.25% | $1,734 |
Special-purpose accounts
IRA and Education CDs
Up to 3.25%APY · 7 terms
Available for Traditional, Roth, and Coverdell Education Savings Accounts (CESA). Minimum deposit of $250 to open. Interest compounded and credited monthly. Potential tax advantages, consult tax advisor. Early withdrawal penalty may apply. Variable rate may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 3.03% | $303 |
| 18 months18 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 1.65% | $249 |
| 18 months18 Month Variable term for IRA Roth and Education CDs. Variable rate may change after the account is open. Penalty for early withdrawal | 2.05% | $309 |
| 24 months24 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 2.80% | $568 |
| 25 months25 Month Pop-up term for IRA Roth and Education CDs. You may change the rate once during term to match current posted rate. Penalty for early withdrawal | 3.10% | $657 |
| 36 months36 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 3.15% | $975 |
| 48 months48 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 3.20% | $1,343 |
| 60 months60 Month term for IRA Roth and Education CDs. Penalty for early withdrawal | 3.25% | $1,734 |
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.