Best 3-Year CD Rates in Oklahoma, OK

You are viewing rates from banks across Oklahoma

Below are three-year CD Rates from banks in Oklahoma. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

OK - December 11, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Bank of Whittier, National Association	3.98%	$1,000	-	Learn More Add Review
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
VALOR BANK	3.50%	$1,000	-	Learn More Add Review
All America Bank	3.25%	$500	-	Learn More
Rate History: 1.00% → 3.75% → 3.25%
larry \| Feb 25, 2016 What's your phone number? Read More Reviews (1)
Gateway First Bank	3.10%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Gateway First Bank	3.10%	$500	-	Learn More Add Review
Savvysaver \| Jun 25, 2020 Ok, GFB's site a bit more compliant today. Unfortunately the rate posted here is not current. 1.05% and look at that minimum! Read More
Citizens	3.10%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
RCB Bank	3.00%	$1,000	-	Learn More
Holly cannady \| Oct 13, 2020 Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More Reviews (1)
Intrust Bank, National Association	2.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.75% → 3.00% → 2.50%
Banesco USA	2.50%	$1,000	-	Learn More
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Frontier State Bank	1.81%	$1,000	-	Learn More
JR \| Jan 16, 2019 12 mo now pays 2.80% apr Read More Reviews (2)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
BOKF, National Association	1.55%	$100,000	-	Learn More
Rate History: 2.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Exchange Bank and Trust Company	1.31%	$100,000	-	Learn More Add Review
Sooner State Bank	1.31%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this advertised rate was not offered. Read More Reviews (1)
The First National Bank of Lindsay	1.30%	$10,000	-	Learn More Add Review
Fidelity Bank, National Association	1.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 1.25%
Bank of Commerce	1.25%	$10,000	-	Learn More Add Review
Exchange Bank and Trust Company	1.21%	$10,000	-	Learn More Add Review
Bank 7	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
The First Security Bank	1.10%	$10,000	-	Learn More Add Review
The Stock Exchange Bank	1.05%	$100,000	-	Learn More Add Review
The Farmers Bank	1.01%	$10,000	-	Learn More Add Review
Bank of the Panhandle	1.00%	$100,000	-	Learn More Add Review
Armstrong Bank	1.00%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Washita State Bank	1.00%	$10,000	-	Learn More Add Review
Peoples Bank and Trust Company	1.00%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.99%	$100,000	-	Learn More Add Review
First Summit Bank	0.96%	$10,000	-	Learn More Add Review
The Stock Exchange Bank	0.95%	$10,000	-	Learn More Add Review
BancCentral, National Association	0.95%	$100,000	-	Learn More Add Review
Community Bank	0.95%	$100,000	-	Learn More Add Review
American Bank of Oklahoma	0.95%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
Great Nations Bank	0.95%	$10,000	-	Learn More Add Review
American Bank and Trust Company	0.95%	$100,000	-	Learn More Add Review
The First National Bank in Marlow	0.95%	$10,000	-	Learn More Add Review
Chickasaw Community Bank	0.95%	$10,000	-	Learn More Add Review
First National Bank	0.95%	$10,000	-	Learn More Add Review
First Pryority Bank	0.91%	$10,000	-	Learn More Add Review
ACB Bank	0.90%	$1,000	-	Learn More Add Review
Great Plains National Bank	0.90%	$1,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
Grand Savings Bank	0.90%	$500	-	Learn More Add Review
First National Bank and Trust Company	0.90%	$100,000	-	Learn More Add Review
Farmers & Merchants Bank	0.90%	$10,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
The Bank of Beaver City	0.85%	$10,000	-	Learn More Add Review
BancCentral, National Association	0.85%	$10,000	-	Learn More Add Review
First Bank & Trust Company	0.85%	$100,000	-	Learn More Add Review
1st Bank in Hominy	0.85%	$10,000	-	Learn More Add Review
Regent Bank	0.85%	$10,000	-	Learn More
Jw \| Jun 27, 2022 It took 4 times contacting this back to get a simple stop payment done. It end up costing over $100 because of their inability to take care of it after the first contact. Read More Reviews (1)
Security Bank and Trust Company	0.85%	$10,000	-	Learn More Add Review
The Exchange Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Hydro	0.85%	$10,000	-	Learn More Add Review
The Bank, National Association	0.85%	$10,000	-	Learn More Add Review
Firstar Bank	0.85%	$100,000	-	Learn More Add Review
Bank of Cordell	0.85%	$10,000	-	Learn More Add Review
Oklahoma Heritage Bank	0.85%	$10,000	-	Learn More
Kaht \| Aug 23, 2021 11 years or so ago, when I first opened an account, it was a nice community oriented bank you could go to for help. Now they only seem to want to help themselves and the already wealthy get wealthier. Read More Reviews (1)
The Peoples National Bank of Checotah	0.85%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
Community Bank	0.80%	$10,000	-	Learn More Add Review
First Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
The Farmers and Merchants National Bank of Fairview	0.80%	$10,000	-	Learn More Add Review
American Heritage Bank	0.80%	$10,000	-	Learn More
Jessica Clements \| Aug 25, 2022 My family and I have used American Heritage Bank for years, I have had auto loans with them always paid them off, I have one right now, however during this pandemic I got behind a little I got caught up, b... Read More Reviews (1)
Community Bank	0.80%	$10,000	-	Learn More Add Review
Vision Bank, National Association	0.80%	$100,000	-	Learn More Add Review
Oklahoma Capital Bank	0.80%	$10,000	-	Learn More Add Review
American Bank of Oklahoma	0.80%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
Frazer Bank	0.80%	$10,000	-	Learn More
Dawnc42 \| Nov 23, 2019 Recently applied for a loan. I was denied. Got the letter stating why, it has things checked like foreclosure and garnishment. I know I never had either. I get a copy of my report. Doesn't show any ... Read More Reviews (1)
Bank of the Panhandle	0.75%	$10,000	-	Learn More Add Review
Armstrong Bank	0.75%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
The First State Bank of Pond Creek, Oklahoma	0.75%	$10,000	-	Learn More Add Review
Cleo State Bank	0.75%	$10,000	-	Learn More Add Review
Fairview Savings and Loan Association	0.75%	$10,000	-	Learn More
Robin Smith \| Jul 30, 2021 I have banked here for years and will continue to.I have never had any problems and the staff is always respectful,polite,helpful and knowlegable.Thankyou Read More Reviews (1)
Blue Sky Bank	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
Local Bank	0.75%	$100,000	-	Learn More Add Review
Bank of Grand Lake	0.75%	$10,000	-	Learn More Add Review
The Payne County Bank	0.75%	$10,000	-	Learn More Add Review
SpiritBank	0.75%	$10,000	-	Learn More Add Review
Vision Bank, National Association	0.75%	$10,000	-	Learn More Add Review
CrossFirst Bank	0.75%	$10,000	-	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
AVB Bank	0.75%	$10,000	-	Learn More
should be valued customer \| Apr 22, 2022 I am considering finding another bank to do business with Read More Reviews (2)
Security Bank	0.75%	$10,000	-	Learn More Add Review
Prosperity Bank	0.75%	$100,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
Stride Bank, National Association	0.70%	$1,000	-	Learn More Add Review
Community National Bank of Okarche	0.70%	$100,000	-	Learn More Add Review
First National Bank of Oklahoma	0.70%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Miami	0.70%	$10,000	-	Learn More
Murph \| Jan 12, 2023 so really, I know that 0 real shits are given but the chance at persuading even a single person would make this worth my while and granted everyone's experience is not the same. I've been doing business ... Read More Reviews (1)
Local Bank	0.70%	$10,000	-	Learn More Add Review
Herring Bank	0.70%	$10,000	-	Learn More
wello50 \| Jul 1, 2021 What day of the month do you report to the credit bureaus Read More Reviews (1)
The Pauls Valley National Bank	0.70%	$10,000	-	Learn More Add Review
Firstar Bank	0.65%	$1,000	-	Learn More Add Review
The Bank of Kremlin	0.65%	$10,000	-	Learn More Add Review
Carson Community Bank	0.65%	$100,000	-	Learn More Add Review
Oklahoma State Bank	0.65%	$10,000	-	Learn More Add Review
The First National Bank and Trust Co., Chickasha, Oklahoma	0.65%	$10,000	-	Learn More Add Review
Citizens Bank of Ada	0.65%	$100,000	-	Learn More Add Review
First State Bank	0.65%	$10,000	-	Learn More Add Review
The City National Bank and Trust Company of Lawton, Oklahoma	0.60%	$10,000	-	Learn More Add Review
Community National Bank of Okarche	0.60%	$10,000	-	Learn More Add Review
Grand Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Commerce	0.60%	$10,000	-	Learn More Add Review
American Nation Bank	0.60%	$10,000	-	Learn More Add Review
The Bank of the West	0.60%	$10,000	-	Learn More Add Review
AllNations Bank	0.60%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore	0.60%	$100,000	-	Learn More Add Review
First State Bank	0.60%	$10,000	-	Learn More Add Review
FirstBank	0.60%	$100,000	-	Learn More Add Review
McCurtain County National Bank	0.56%	$10,000	-	Learn More
None of your business \| Nov 19, 2023 The people at MCNB are nothing but idiotic childish nuts, especially that woman who runs the Valliant branch. She is unprofessional and is a jerk, and not only a jerk, a fruitcake who is suffering from a m... Read More Reviews (3)
Carson Community Bank	0.55%	$1,000	-	Learn More Add Review
Mabrey Bank	0.55%	$100,000	-	Learn More Add Review
FNB Coweta	0.55%	$100,000	-	Learn More Add Review
FirstBank	0.55%	$10,000	-	Learn More Add Review
The First National Bank of Fort Smith	0.55%	$100,000	-	Learn More Add Review
Security State Bank of Oklahoma	0.50%	$1,000	-	Learn More Add Review
The State Exchange Bank	0.50%	$1,000	-	Learn More Add Review
First Bank & Trust Co.	0.50%	$1,000	-	Learn More Add Review
NBC OKLAHOMA	0.50%	$10,000	-	Learn More Add Review
InterBank	0.50%	$10,000	-	Learn More
Ernie Bramlett \| Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More Reviews (1)
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Vast Bank, National Association	0.50%	$10,000	-	Learn More Add Review
F & M Bank	0.50%	$10,000	-	Learn More Add Review
Community State Bank	0.50%	$10,000	-	Learn More Add Review
Great Southern Bank	0.50%	$250	-	Learn More Add Review
First Texoma National Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Fort Smith	0.50%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.50%	$1,000	-	Learn More Add Review
The State Bank of Wynnewood	0.48%	$10,000	-	Learn More Add Review
First Fidelity Bank	0.46%	$10,000	-	Learn More
Dianna Jackson \| Dec 1, 2022 I have banked at First Fidelity since 1991 I think. Their banking staff has always been so helpful. I had a person years ago take one of my blank check and cashed it for 250.00. I caught it right away ... Read More Reviews (1)
First Bank & Trust Co.	0.45%	$1,000	-	Learn More Add Review
Mabrey Bank	0.45%	$10,000	-	Learn More Add Review
Prosperity Bank	0.45%	$10,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
First Bank	0.45%	$10,000	-	Learn More Add Review
FNB Coweta	0.45%	$10,000	-	Learn More Add Review
First National Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
Shamrock Bank, N.A.	0.45%	$10,000	-	Learn More Add Review
Liberty National Bank	0.45%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore	0.45%	$10,000	-	Learn More Add Review
FNB Community Bank	0.45%	$10,000	-	Learn More Add Review
First National Bank & Trust Company of McAlester	0.45%	$10,000	-	Learn More Add Review
Welch State Bank of Welch, Okla.	0.44%	$100,000	-	Learn More Add Review
Triad Bank, National Association	0.42%	$100,000	-	Learn More Add Review
Welch State Bank of Welch, Okla.	0.40%	$10,000	-	Learn More Add Review
Triad Bank, National Association	0.40%	$10,000	-	Learn More Add Review
McClain Bank	0.40%	$10,000	-	Learn More
Brian \| Dec 30, 2019 Disappointing. My family has been working through McClain bank for a number of services over the years. We've overlooked many mistakes that have been made, but are not going to overlook the terrible custom... Read More Reviews (1)
First Bank & Trust Co.	0.40%	$1,000	-	Learn More Add Review
Citizens Bank of Ada	0.40%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	0.35%	$10,000	-	Learn More Add Review
MidFirst Bank	0.35%	$1,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Farmers and Merchants Bank	0.31%	$10,000	-	Learn More Add Review
BancFirst	0.30%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
Valliance Bank	0.30%	$10,000	-	Learn More Add Review
SNB Bank, National Association	0.26%	$10,000	-	Learn More Add Review
Equity Bank	0.25%	$1,000	-	Learn More Add Review
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
BancFirst	0.20%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
First United Bank and Trust Company	0.20%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Broken Arrow	0.20%	$10,000	-	Learn More Add Review
Commerce Bank	0.20%	$10,000	-	Learn More Add Review
BancFirst	0.15%	$10,000	-	Learn More
renrut2 \| Dec 1, 2021 I have been with bancfirst and love the inperson bank employees. However, online service is more then terrible, it is negligent. I attended an event that encluded troubled kids. On my way home, I stop t... Read More Reviews (2)
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
High Plains Bank	0.09%	$100,000	-	Learn More Add Review
High Plains Bank	0.08%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Oklahoma CD Rates – 3-Year

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

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