Best 4-Year CD Rates in Oklahoma, OK

You are viewing rates from banks across Oklahoma

Below are four-year CD Rates from banks in Oklahoma . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

OK - December 11, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Seattle Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Capital One, National Association	3.55%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55%
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)
RCB Bank	3.25%	$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)
All America Bank	3.25%	$500	-	Learn More
Rate History: 1.00% → 3.49% → 3.25%
larry \| Feb 25, 2016 What's your phone number? Read More Reviews (1)
VALOR BANK	3.05%	$1,000	-	Learn More Add Review
Gateway First Bank	3.00%	$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	3.00%	$25,000	-	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	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Intrust Bank, National Association	2.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50%
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: 2.00% → 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	1.92%	$1,000	-	Learn More
JR \| Jan 16, 2019 12 mo now pays 2.80% apr Read More Reviews (2)
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
Exchange Bank and Trust Company	1.41%	$100,000	-	Learn More Add Review
Exchange Bank and Trust Company	1.31%	$10,000	-	Learn More Add Review
Peoples Bank and Trust Company	1.15%	$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)
Armstrong Bank	1.06%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
The Farmers Bank	1.06%	$10,000	-	Learn More Add Review
ACB Bank	1.05%	$1,000	-	Learn More Add Review
BancCentral, National Association	1.05%	$100,000	-	Learn More Add Review
The First National Bank in Marlow	1.05%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	1.03%	$100,000	-	Learn More Add Review
The Exchange Bank	1.01%	$10,000	-	Learn More Add Review
First Summit Bank	1.01%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Bank of the Panhandle	1.00%	$100,000	-	Learn More Add Review
Community Bank	1.00%	$100,000	-	Learn More Add Review
American Bank of Oklahoma	1.00%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
The Bank, National Association	1.00%	$10,000	-	Learn More Add Review
AVB Bank	1.00%	$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)
American Bank and Trust Company	1.00%	$100,000	-	Learn More Add Review
Washita State Bank	1.00%	$10,000	-	Learn More Add Review
Bank of Vici	0.96%	$1,000	-	Learn More Add Review
Great Plains National Bank	0.95%	$1,000	-	Learn More Add Review
BancCentral, National Association	0.95%	$10,000	-	Learn More Add Review
First Bank & Trust Company	0.95%	$100,000	-	Learn More Add Review
Grand Savings Bank	0.95%	$500	-	Learn More Add Review
Bank of Hydro	0.95%	$10,000	-	Learn More Add Review
Great Nations Bank	0.95%	$10,000	-	Learn More Add Review
Firstar Bank	0.95%	$100,000	-	Learn More Add Review
Bank of Cordell	0.95%	$10,000	-	Learn More Add Review
Chickasaw Community Bank	0.95%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank	0.93%	$10,000	-	Learn More Add Review
First Pryority Bank	0.91%	$10,000	-	Learn More Add Review
Armstrong Bank	0.90%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Alva State Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
Community Bank	0.90%	$10,000	-	Learn More Add Review
Cleo State Bank	0.90%	$10,000	-	Learn More Add Review
First Bank & Trust Company	0.90%	$10,000	-	Learn More Add Review
Regent Bank	0.90%	$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)
Vision Bank, National Association	0.90%	$100,000	-	Learn More Add Review
American Bank of Oklahoma	0.90%	$10,000	-	Learn More
Larry watson \| Jan 12, 2016 Very good bank all the way around glad I found them Read More Reviews (1)
First National Bank and Trust Company	0.90%	$100,000	-	Learn More Add Review
The Peoples National Bank of Checotah	0.90%	$10,000	-	Learn More Add Review
Blue Sky Bank	0.85%	$10,000	-	Learn More Add Review
Security Bank and Trust Company	0.85%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Miami	0.85%	$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	0.85%	$100,000	-	Learn More Add Review
The Payne County Bank	0.85%	$10,000	-	Learn More Add Review
Community Bank	0.85%	$10,000	-	Learn More Add Review
Vision Bank, National Association	0.85%	$10,000	-	Learn More Add Review
Oklahoma Capital Bank	0.85%	$10,000	-	Learn More Add Review
Citizens Bank of Ada	0.85%	$100,000	-	Learn More Add Review
Stride Bank, National Association	0.80%	$1,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
The Security National Bank of Enid	0.80%	$10,000	-	Learn More Add Review
Local Bank	0.80%	$10,000	-	Learn More Add Review
Bank of the Panhandle	0.75%	$10,000	-	Learn More Add Review
The First State Bank of Pond Creek, Oklahoma	0.75%	$10,000	-	Learn More Add Review
First National Bank of Oklahoma	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
Bank of Grand Lake	0.75%	$10,000	-	Learn More Add Review
SpiritBank	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)
Security Bank	0.75%	$10,000	-	Learn More Add Review
Firstar Bank	0.75%	$1,000	-	Learn More Add Review
The Pauls Valley National Bank	0.75%	$10,000	-	Learn More Add Review
First Texoma National Bank	0.75%	$10,000	-	Learn More Add Review
Community National Bank of Okarche	0.70%	$100,000	-	Learn More Add Review
Bank of Commerce	0.70%	$10,000	-	Learn More Add Review
American Nation Bank	0.70%	$10,000	-	Learn More Add Review
Oklahoma State Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank and Trust Co., Chickasha, Oklahoma	0.70%	$10,000	-	Learn More Add Review
The State Exchange Bank	0.65%	$1,000	-	Learn More Add Review
The Bank of Kremlin	0.65%	$10,000	-	Learn More Add Review
F & M Bank	0.65%	$10,000	-	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
Vast Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Grand Bank	0.60%	$10,000	-	Learn More Add Review
The Bank of the West	0.60%	$10,000	-	Learn More Add Review
Mabrey Bank	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
McCurtain County National Bank	0.59%	$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)
NBC OKLAHOMA	0.55%	$10,000	-	Learn More Add Review
First Bank & Trust Co.	0.55%	$1,000	-	Learn More Add Review
FNB Coweta	0.55%	$100,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore	0.55%	$100,000	-	Learn More Add Review
The First National Bank and Trust Company of Okmulgee	0.55%	$10,000	-	Learn More Add Review
Welch State Bank of Welch, Okla.	0.54%	$100,000	-	Learn More Add Review
First Fidelity Bank	0.51%	$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.	0.50%	$1,000	-	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)
Security State Bank of Oklahoma	0.50%	$1,000	-	Learn More Add Review
Welch State Bank of Welch, Okla.	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Community State Bank	0.50%	$10,000	-	Learn More Add Review
Mabrey Bank	0.50%	$10,000	-	Learn More Add Review
First National Bank and Trust Company of Ardmore	0.50%	$10,000	-	Learn More Add Review
FNB Community Bank	0.50%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.50%	$1,000	-	Learn More Add Review
First National Bank & Trust Company of McAlester	0.50%	$10,000	-	Learn More Add Review
The State Bank of Wynnewood	0.48%	$10,000	-	Learn More Add Review
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
First Bank & Trust Co.	0.45%	$1,000	-	Learn More Add Review
Citizens Bank of Ada	0.45%	$10,000	-	Learn More Add Review
MidFirst Bank	0.40%	$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)
SNB Bank, National Association	0.31%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	0.31%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
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)
Equity Bank	0.25%	$1,000	-	Learn More Add Review
First United Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
The First National Bank and Trust Company of Broken Arrow	0.25%	$10,000	-	Learn More Add Review
Commerce Bank	0.25%	$10,000	-	Learn More Add Review
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-Citizens Bank & Trust Company	0.15%	$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)
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)
U.S. Bank National Association	0.15%	$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	0.09%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 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.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Oklahoma

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Oklahoma CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Oklahoma

Download a Free eBook