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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Edmond, OK
- Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.14%APY$314 over 1 year on $10,000
3.10% interest rate · Effective Sep 24, 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 - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.60%APY$617 over 28 months on $10,000intro rate
Requirements
Product: Promotional CD rate. Available only for new members. Early withdrawal penalty may apply. Maximum deposit $250,000. Federally insured by NCUA. Offer ended 2022-08-15.
Offer: Only for new members. Offer ends 2022-08-15. Mention offer code or fill out contact form.
Promotional rate · Balance cap $250,000 · Effective Jun 27, 2022
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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.
Rate checked
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 - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Start with just $5. Offers a 12-month term and allows a one-time, penalty-free withdrawal. ACU membership required. Early withdrawal penalties apply to other withdrawals.
1.24% interest rate
Rate checked
More details - Tinker Federal Credit UnionSave & Build CertificateCD · 18 months · $25 min · 0.65%–2.02% by balance
Credit union · 3 branches
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
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 Edmond, OK
225 CDs at 19 banks and credit unions · checked Oct 5–22
- Typical
- 2.70%
- Top 10% from
- 3.86%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.63%
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Oklahoma City, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 12 branches
- Bank of CommerceBank · 1 branch
- Farmers Insurance Federal Credit UnionCredit union · 1 branch