RCB Bank CD Rates — October 2026
As of October 22, 2026, RCB Bank's highest tracked CD rate is 3.25% APY on a 60-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.10% to 3.25% APY.
Tracking began .
RCB Bank CD rates
Personal CDs with a $1,000 minimum, including the 25-month Pop-up CD. The 18-month variable-rate CD and IRA/Roth/Education products are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | CD | $1,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 91 days | CD | $1,000 | 2.88% | −1.42% | Top 52% of tracked 91-day CDs · Verified October 22, 2026 |
| 182 days | CD | $1,000 | 2.95% | −1.45% | Verified October 22, 2026 |
| 12 months | CD | $1,000 | 3.03% | −1.54% | Top 71% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | CD | $1,000 | 1.65% | −3.07% | Top 88% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | CD | $1,000 | 2.80% | −2.07% | Top 69% of tracked 24-month CDs · Verified October 22, 2026 |
| 25 months | 25 Month Pop-up CD Promotional | $1,000 | 3.10% | −1.77% | Verified October 22, 2026 |
| 36 months | CD | $1,000 | 3.15% | −1.80% | Top 56% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | CD | $1,000 | 3.20% | −1.78% | Top 48% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | CD | $1,000 | 3.25% | −1.76% | Top 53% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.10% APY (25 months). The standard rate for a similar term is 2.80% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are RCB Bank's best CD rates by term?
RCB Bank's best rate is 3.25% APY on 60 months, verified October 22, 2026.
- 30 days0.10%
- 91 days2.88%
- 182 days2.95%
- 12 mo3.03%
- 18 mo1.65%
- 24 mo2.80%
- 25 mo3.10%
- 36 mo3.15%
- 48 mo3.20%
- 60 mo3.25%
How much interest could a RCB 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.
$1,734.11 interest · $11,734.11 at maturity on $10,000.00.
3.25% APY · 60 months · CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $0.410.10% APY · CD · Standard | $0.820.10% APY · CD · Standard | $2.050.10% APY · CD · Standard | $4.110.10% APY · CD · Standard |
| 91 days | $35.522.88% APY · CD · Standard | $71.042.88% APY · CD · Standard | $177.602.88% APY · CD · Standard | $355.202.88% APY · CD · Standard |
| 182 days | $73.012.95% APY · CD · Standard | $146.022.95% APY · CD · Standard | $365.062.95% APY · CD · Standard | $730.122.95% APY · CD · Standard |
| 12 months | $151.503.03% APY · CD · Standard | $303.003.03% APY · CD · Standard | $757.503.03% APY · CD · Standard | $1,515.003.03% APY · CD · Standard |
| 18 months | $124.371.65% APY · CD · Standard | $248.751.65% APY · CD · Standard | $621.871.65% APY · CD · Standard | $1,243.741.65% APY · CD · Standard |
| 24 months | $283.922.80% APY · CD · Standard | $567.842.80% APY · CD · Standard | $1,419.602.80% APY · CD · Standard | $2,839.202.80% APY · CD · Standard |
| 25 months | $328.163.10% APY · 25 Month Pop-up CD · Promotional | $656.323.10% APY · 25 Month Pop-up CD · Promotional | $1,640.793.10% APY · 25 Month Pop-up CD · Promotional | $3,281.583.10% APY · 25 Month Pop-up CD · Promotional |
| 36 months | $487.543.15% APY · CD · Standard | $975.083.15% APY · CD · Standard | $2,437.703.15% APY · CD · Standard | $4,875.403.15% APY · CD · Standard |
| 48 months | $671.383.20% APY · CD · Standard | $1,342.763.20% APY · CD · Standard | $3,356.903.20% APY · CD · Standard | $6,713.813.20% APY · CD · Standard |
| 60 months | $867.063.25% APY · CD · Standard | $1,734.113.25% APY · CD · Standard | $4,335.283.25% APY · CD · Standard | $8,670.573.25% APY · CD · Standard |
How RCB Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 112 of 225 tracked institutions with fresh 1825-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 |
|---|---|---|---|---|---|
| RCB Bank (this institution)CD · Standard | 60 months | $1,000 | Branches in KS, OK | 3.25% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Barclays60 Month CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking RCB Bank on October 22, 2026.
About RCB Bank
- Legal name
- RCB Bank
- Regulator ID
- FDIC 15399
- Headquarters
- Claremore, OK
- Available in
- KS, OK
- Total assets
- $4.0 billion
- Also known as
- Website
- www.rcbbank.bank
Source: rates read from https://rcbbank.bank/pages/Rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at RCB Bank?
Among the rates we track, 3.25% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a RCB Bank CD?
The lowest minimum we found is $1,000.
How does RCB Bank's best CD rate compare with Treasury yields?
3.25% APY is −1.76% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.25% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.41% 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 RCB Bank CDs insured?
RCB Bank is an FDIC-insured bank (FDIC 15399). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check RCB Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from RCB Bank's website and may change at any time. Confirm terms, minimums and eligibility with RCB Bank before opening an account. This page is not financial advice.