Bank · FDIC insured
Sovereign Bank CD Rates
A $1.5B bank headquartered in Shawnee, OK, with 9 branches in Oklahoma.
How Sovereign Bank’s CD rates compare
Compared with banks and credit unions in Oklahoma, where Sovereign Bank has the most branches. $10,000, best rate first.
This bank’s best
Sovereign Bank
4.13%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $448
13-Month Certificate of Deposit
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
13-Month Certificate of Deposit
4.13%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsExclusive to federally or state-recognized tribes and tribally owned entities. Promotional APY available through Oct. 2, 2026. Low minimum opening deposit of $5,000. At maturity, automatically renews into a 12-month CD at the Bank's current rate at the time of renewal | 4.13% | $448 |
Sources (1)
- banksovereign.com/special-tribal-rate · captured Sep 18, 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.