Bank · FDIC insured
SpiritBank CD Rates
SpiritBank’s best CD rate is 3.95% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How SpiritBank’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where SpiritBank has the most branches. $10,000, best rate first.
This bank’s best
SpiritBank
3.95%APY
- Term
- 7 months
- Minimum
- $2,500
- Earns on $10,000
- $229
Certificate 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
SpiritBank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo1.10%
- 31–60 months31–60 mo1.29%
- QualifiedQualified3.95%
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 SpiritBank 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.
Certificate of Deposit
Up to 3.95%APY · 11 terms
Applicants must be 18 years or older. Automatically renewable. Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthTerms one year and under have a minimum $2,500 balance to open and obtain advertised APY | — | 0.50% | 0.50% | $4 |
| 3 monthsTerms one year and under have a minimum $2,500 balance to open and obtain advertised APY | — | 0.65% | 0.65% | $16 |
| 6 monthsTerms one year and under have a minimum $2,500 balance to open and obtain advertised APY | — | 0.80% | 0.80% | $40 |
| 7 monthsCD Specials have a minimum $2,500 balance to open and obtain advertised APY | — | 3.95% | 3.95% | $229 |
| 9 monthsCD Specials have a minimum $2,500 balance to open and obtain advertised APY | — | 3.85% | 3.85% | $287 |
| 12 monthsTerms one year and under have a minimum $2,500 balance to open and obtain advertised APY | — | 1.00% | 1.00% | $100 |
| 13 monthsCD Specials have a minimum $2,500 balance to open and obtain advertised APY | — | 3.75% | 3.75% | $407 |
| 24 monthsTerms over one year have a minimum $1,000 balance to open and obtain advertised APY | 1.10% | — | 1.10% | $221 |
| 36 monthsTerms over one year have a minimum $1,000 balance to open and obtain advertised APY | 1.15% | — | 1.15% | $349 |
| 48 monthsTerms over one year have a minimum $1,000 balance to open and obtain advertised APY | 1.15% | — | 1.15% | $468 |
| 60 monthsTerms over one year have a minimum $1,000 balance to open and obtain advertised APY | 1.29% | — | 1.29% | $662 |
Sources (1)
- spiritbank.com/personal-banking/certificate-of-deposit · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.44%APY · 2 terms
Insured separately up to $250,000. Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsIRA variable rate; rate may change after account is opened | 4.21% | $638 |
| 30 monthsIRA fixed rate | 1.15% | $290 |
| 30 monthsIRA variable rate; rate may change after account is opened | 4.44% | $1,147 |
Sources (1)
- spiritbank.com/personal-banking/iras · 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.