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Best CD rates in Stillwater, OK
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Stillwater, OK
- Oklahoma Community Credit UnionShare CertificatesCD · 13 months · $1,000 min
Credit union · 2 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: Low minimum opening balance of $1,000. Dividends compounded monthly. Penalties apply for early redemption of certificate funds other than dividends.
Offer: 13 Month Share Certificate Special. Limited time offer. Renews into a 12 month standard term share certificate at maturity. Substantial penalty for early withdrawal.
Promotional rate · 4.17% interest rate · Compounded monthly · Effective Sep 9, 2026
Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.
Offer: 13 Month Add on CD
3.95% interest rate · Effective Aug 4, 2026
Rate checked
More details - Tinker Federal Credit UnionStarting Line Share CertificateCD · 12 months · $25 min
Credit union · 1 branch
3.54%APY$354 over 1 year on $10,000intro rateRequirements
Product: 12-month maturity, 90-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more.
Offer: Dividends compounded monthly.
Promotional rate · 3.49% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 3 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: 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.
Offer: 60 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal.
3.20% interest rate · Effective Oct 2, 2026
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More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
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More details - 2.07%APY$51 over 3 months on $10,000
Requirements
Product: Earn a fixed rate of interest for a fixed period of time.
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More details - 2.00%APY$66 over 4 months on $10,000
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 120 Days term.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tinker Federal Credit UnionSave & Build CertificateCD · 18 months · $25 min · 0.65%–2.02% by balance
Credit union · 1 branch
0.65%APY$98 over 18 months on $10,000with conditionsRequirements
Product: 18-month maturity, 120-day early withdrawal penalty. Renews into standard 12-month certificate if balance is $1,000 or more, or into starting line certificate if balance is less than $1,000. Must be enrolled in online and mobile banking with a valid email address. Only one save & build certificate per account. Must be 18 years or older, limited to one per Tax Identification Number, must have open share draft account with TFCU. Normal underwriting guidelines apply, not in bankruptcy or legal proceedings.
Offer: Fixed dividend rate on balance of $5,000 or less.
Qualified rate · 2.00% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Save & Build Certificate Balance APY Up to $5,000 2.02% $5,000 and upYour amount 0.65% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Stillwater, OK
118 CDs at 8 banks and credit unions · checked Oct 15–22
- Typical
- 1.50%
- Top 10% from
- 3.78%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.40%
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Stillwater, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Payne County BankBank · 2 branches