First Oklahoma Bank CD Rates — October 2026
As of October 23, 2026, First Oklahoma Bank's highest tracked CD rate is 4.50% APY on an 18-month CD ($1,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.50% to 4.50% APY.
Tracking began .
First Oklahoma Bank CD rates
Personal CD quotes require $1,000 to open and earn the quoted APY. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-month CD | $1,000 | 3.50%Free rate alert | −0.84% | Top 48% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | 12-month CD | $1,000 | 4.25%Free rate alert | −0.21% | Top 12% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | 18-month CD | $1,000 | 4.50%Free rate alert | −0.08% | Top 4% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | 24-month CD | $1,000 | 4.00%Free rate alert | −0.70% | Top 25% of tracked 24-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Oklahoma Bank's best CD rates by term?
First Oklahoma Bank's best rate is 4.50% APY on 18 months, verified October 23, 2026.
- 6 mo3.50%
- 12 mo4.25%
- 18 mo4.50%
- 24 mo4.00%
How much interest could a First Oklahoma Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$683.18 interest · $10,683.18 at maturity on $10,000.00.
4.50% APY · 18 months · 18-month CD · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $86.993.50% APY · 6-month CD · Standard | $173.973.50% APY · 6-month CD · Standard | $434.943.50% APY · 6-month CD · Standard | $869.873.50% APY · 6-month CD · Standard |
| 12 months | $212.504.25% APY · 12-month CD · Standard | $425.004.25% APY · 12-month CD · Standard | $1,062.504.25% APY · 12-month CD · Standard | $2,125.004.25% APY · 12-month CD · Standard |
| 18 months | $341.594.50% APY · 18-month CD · Standard | $683.184.50% APY · 18-month CD · Standard | $1,707.954.50% APY · 18-month CD · Standard | $3,415.914.50% APY · 18-month CD · Standard |
| 24 months | $408.004.00% APY · 24-month CD · Standard | $816.004.00% APY · 24-month CD · Standard | $2,040.004.00% APY · 24-month CD · Standard | $4,080.004.00% APY · 24-month CD · Standard |
How First Oklahoma Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 362 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Oklahoma Bank (this institution)18-month CD · Standard | 18 months | $1,000 | Branches in OK | 4.50% | October 23, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.58% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Oklahoma Bank on October 23, 2026.
About First Oklahoma Bank
- Legal name
- First Oklahoma Bank
- Regulator ID
- FDIC 12484
- Headquarters
- Jenks, OK
- Available in
- OK
- Total assets
- $1.3 billion
- Also known as
- Website
- www.firstoklahomabank.com
Source: rates read from https://firstoklahomabank.com/personal-banking/certificates-of-deposit-cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Oklahoma Bank?
Among the rates we track, 4.50% APY on an 18-month CD, as of October 23, 2026.
What is the minimum deposit for a First Oklahoma Bank CD?
The lowest minimum we found is $1,000.
How does First Oklahoma Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.08% versus the 18-month Treasury yield of 4.58% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Oklahoma Bank CDs insured?
First Oklahoma Bank is an FDIC-insured bank (FDIC 12484). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Oklahoma Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from First Oklahoma Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Oklahoma Bank before opening an account. This page is not financial advice.