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 1–6 results in Ponca City, OK metro
- 4.51%APY$451 over 1 year on $10,000
Requirements
Product: You may increase the CD rate once during term, to our then-current 1-year rate.
Offer: You may increase the CD rate once during term, to our then-current 1-year rate.
Rate checked
More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: No monthly service fees. Deposit accounts not available in Alaska, California, Georgia, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont. A penalty may be imposed for early withdrawal. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and Annual Percentage Yield for the next-lower CD Term time period.
3.78% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.79%APY
Requirements
Product: An additional 0.10% may be added to stated CD interest rate for primary or joint owners of a City Preferred checking account. Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: Fixed rate, non-compounding. Term 180 - 364 days.
3.75% interest rate
Rate checked
More details - 3.51%APY$262 over 9 months on $10,000intro rate
Requirements
Product: Available to KS, MO, or OK residents and existing customers. Terms available from 90 days to 5 years. No setup or maintenance fees. $1,000 minimum deposit to open. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly. Fees imposed could reduce earnings. FDIC insured.
Offer: 9 Month CD Special. Interest is compounded quarterly. Substantial penalty may be charged for early withdrawal. Fees imposed could reduce earnings.
Promotional rate · 3.46% interest rate · Compounded quarterly · Effective Jan 30, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Open a new CD account with as little as $500. Available terms are 6-month, 1-year, 18-month, 2-year, 3-year, and 5-year. Interest paid monthly (compounded or deposited into Member Share savings account).
3.25% interest rate · Effective Aug 26, 2025
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
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 Ponca City, OK metro
43 CDs at 5 banks and credit unions · checked Oct 5–16
- Typical
- 3.09%
- Top 10% from
- 3.58%
- Banks, typical
- 3.13%
- Credit unions, typical
- 1.26%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Oklahoma
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 24 branches
- Endurance Federal Credit UnionCredit union · 4 branches
- American Airlines Federal Credit UnionCredit union · 3 branches