Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Stillwater, OK metro
- 4.35%APY$509 over 14 months on $10,000intro rate
Requirements
Product: Specialty CD; $5,000 minimum deposit; fixed interest rate; interest paid varies with term; early withdrawal penalty applies.
Offer: Term: 14 Month Promotional CD; $5,000 minimum; Fixed interest rate; 0 interest rate increases per term; Early withdrawal penalty equal to 3 months interest.
Promotional rate · 4.27% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Specialty CD; $5,000 minimum deposit; fixed interest rate; interest paid varies with term; early withdrawal penalty applies.
Offer: Term: 9 Month Special CD; $5,000 minimum; Fixed interest rate; 0 interest rate increases per term; Early withdrawal penalty equal to 3 months interest.
Promotional rate · 4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - 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 - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: $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).
Offer: Term: 60 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: Penalty with early withdrawal of CD. Fees may reduce the Annual Percentage Yield.
Offer: Personal Special
3.97% interest rate · Effective Oct 5, 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 - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Terms range from 6 months to 5 years. Can open 6, 12, and 24-month CDs up to $250,000 online; other terms/amounts call 918.392.2500.
Offer: Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply. Open up to $250,000 online.
Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$1,375 over 42 months on $10,000
Requirements
Product: 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.
Offer: Term: 42-months; Fixed interest rate; Includes two interest rate bump options; Early withdrawal penalty equal to 6 months interest.
3.69% interest rate · Effective Sep 29, 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
Rate checked
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
Rate checked
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
Rate checked
More details
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 metro
151 CDs at 12 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.96%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.40%
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Find your bank or credit union to see all its rates and how they compare near you.
Stillwater, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Payne County BankBank · 2 branches