Compare Bank & Credit Union Rates
Best savings rates in Oklahoma
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Oklahoma
- 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: Online savings account. Available only in eligible markets based on verified primary residential ZIP code. Funds must be new to CFCU to qualify for the advertised rate. Must enroll in eStatements to receive advertised rate. Aggregate balance cap of $2,500,000 per Tax ID.
Offer: Must enroll in eStatements and deposit funds new to CFCU. Available only in eligible markets. Aggregate balance cap of $2,500,000 per Tax ID. Dividends paid monthly on daily balance.
Promotional rate · Balance cap $2,500,000 · No monthly fee · Effective Oct 13, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: One Name It Save It share per account. Six FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $1,000,000.00.
Offer: Dividends compounded and credited monthly based on calendar month average daily balance. Maximum balance to earn dividends is $1,000,000. Six free withdrawals per rolling 12 months, $10 per withdrawal thereafter.
3.68% interest rate · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 3 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - OU Federal Credit UnionChampion SavingsSavings · $0 min · 0.10%–3.66% by balance
Credit union · 2 branches
3.66%APY$366 a year on $10,000Requirements
Product: Allows six (6) withdrawals or transfers to another account per month; $5 fee assessed for each withdrawal in excess of six per month. No minimum opening deposit and no minimum amount to maintain account.
Offer: Tier applies to balances $0-$5,000. Maximum 6 withdrawals monthly without penalty.
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Champion Savings Balance APY Up to $5,000 0.10% $5,000 and upYour amount 3.66% Rate checked
More details - All America BankMega Money Market® CheckingMega Money Market® Checking · $500 min · 0.50%–3.60% by balance
Bank · 7 branches
3.60%APY$360 a year on $10,000Requirements
Product: Must be opened online. Limit of one Mega Money Market® account per individual.
Offer: Rate applies to daily balances up to $100,000. Must be opened online. Limit of one account per individual.
Effective Aug 21, 2026
Rate by balance
Rate by balance for Mega Money Market® Checking Balance APY Up to $100,000Your amount 3.60% $100,000 and up 0.50% Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: A High-Yield Checking or Cash Back Checking account is required to have a High-Yield savings account. Limit of one account per member. No monthly maintenance fee, no minimum deposit to open, and no minimum balance required to earn rewards. Qualifying for linked High-Yield or Cash Back Checking rewards requires at least 15 debit card transactions, at least 1 direct deposit or ACH payment transaction, and enrollment in e-statements during each Monthly Qualification Cycle.
Offer: Requires linked High-Yield Checking or Cash Back Checking account qualifications met during Monthly Qualification Cycle (15+ debit card transactions, 1+ direct deposit/ACH, and enrolled in e-statements).
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - All Capital BankImpact: Consumer SavingsSavings · $1,000 min · 0.00%–3.50% by balance
Bank · 2 branches
3.50%APY$350 a year on $10,000Requirements
Product: Available to current and retired educators and first responders. No monthly maintenance fee.
Offer: Tier 1: Below $999.99 daily balance. Available to current and retired educators and first responders.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Impact: Consumer Savings Balance APY Up to $1,000 0.00% $1,000 – $250,000Your amount 3.50% $250,000 and up 2.00% Rate checked
More details - Panhandle First BankEmergency Savings AccountSavings · $25 min · 1.01%–3.05% by balance
Bank · 1 branch
3.05%APY$305 a year on $10,000Requirements
Product: Limited to 2 withdrawals per month ($10 per excess withdrawal). 1 account per customer. Monthly maintenance fee of $10 is waived with 1 customer-initiated deposit during statement cycle OR $2,500 minimum average daily balance. e-Statements included; paper statements $4/mo.
Offer: Tier for balances $1 - $20,000. Stated APY range is 0.00% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB.
3.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Emergency Savings Account Balance APY Up to $20,000Your amount 3.05%* $20,001 and upStated APY range is 1.02% - 3.04%. 1.01%* Rate checked
More details - Western Sun Federal Credit UnionKasasa Cash SaverSavings · $5 min · 0.40%–3.00% by balance
Credit union · 6 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Linked to Kasasa Cash account. Qualifications per cycle: at least 12 debit card purchases post and settle, at least one direct deposit or ACH credit/debit, and enrolled in and agreed to receive e-statements rather than paper statements.
Offer: On balances up to $100,000 when monthly qualifications are met in linked Kasasa Cash account.
Qualified rate · 2.96% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Cash Saver Balance APY Up to $100,000Your amount 3.00% $100,000 and up 0.40% Rate checked
More details - Peoples Bank & Trust CompanyPeoples Money Market AccountPeoples Money Market Account · $2,500 min
Bank · 2 branches
3.00%APY$300 a year on $10,000Requirements
Product: Feature: High Yield Interest Account. $10 service charge avoided with $2500 average balance per statement cycle.
Offer: Service charge of $10 avoided with $2500 avg. balance per statement cycle. Requirements: None.
$10 monthly fee
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Links to BonuSelect Checking or BonuSelect Cash Back Checking. Automatic transfers of checking rewards. To earn highest rate: enroll in eStatements and make at least 15 debit card purchases per monthly qualification cycle.
Offer: Applies to balances less than $20,001 when qualifications are met.
Qualified rate · No monthly fee · Effective Sep 22, 2025
Rate by balance
Rate by balance for BonuSelect Saver Balance APY Up to $20,000Your amount 3.00% $20,001 and up 0.11% Rate checked
More details - 2.90%APY$290 a year on $10,000
Requirements
Product: No monthly service charge with a $100 minimum ledger balance ($1 monthly fee for lower balances). $1.50 per withdrawal beginning with the third withdrawal during a calendar month (applies to teller withdrawals, paper drafts, and ACH items).
Offer: Collected balance of $100 required to earn interest. $1 monthly service fee waived with $100 minimum ledger balance.
2.86% interest rate · Balance cap $1,000,000 · $1 monthly fee
Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: With Direct Deposit ($1,000+ monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking account).
Qualified rate · No monthly fee
Rate checked
More details - Endurance Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.55%–3.00% by balance
Credit union · 4 branches
2.75%APY$275 a year on $10,000intro rateRequirements
Product: The Dividend Rate is determined at the end of each quarter. Dividend Rate disclosed is for October - December 2026.
Promotional rate · 2.52% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 2.55% $10,000 – $24,999Your amount 2.75% $25,000 – $49,999 2.85% $50,000 and up 3.00% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Oklahoma
270 accounts at 117 banks and credit unions · checked Oct 15–22
- Typical
- 0.35%
- Top 10% from
- 2.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
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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