# First Oklahoma Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-oklahoma-bank
Institution: First Oklahoma Bank (FDIC 12484)
Aliases: 
Status: live
Last verified: 2026-10-23T11:32:38.000Z (October 23, 2026)
Official source: https://firstoklahomabank.com/personal-banking/certificates-of-deposit-cds/
Coverage: Personal CD quotes require $1,000 to open and earn the quoted APY. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-month CD | standard | 6 months | $1,000 | 3.50% | Not ZIP-priced | −0.84% | 2026-10-23T11:32:38.000Z | [Snapshot 1007](https://apyledger.com/snapshots/1007) |
| 12-month CD | standard | 12 months | $1,000 | 4.25% | Not ZIP-priced | −0.21% | 2026-10-23T11:32:38.000Z | [Snapshot 1007](https://apyledger.com/snapshots/1007) |
| 18-month CD | standard | 18 months | $1,000 | 4.50% | Not ZIP-priced | −0.08% | 2026-10-23T11:32:38.000Z | [Snapshot 1007](https://apyledger.com/snapshots/1007) |
| 24-month CD | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.70% | 2026-10-23T11:32:38.000Z | [Snapshot 1007](https://apyledger.com/snapshots/1007) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.