Source: https://www.bokfinancial.com/personal/products-and-services/personal-banking/savings/certificates-of-deposit
Read: 2026-10-22T10:57:45.000Z

Certificates of deposit: see our promotional CDs Skip to content
# Certificates of Deposit
## Lock in guaranteed growth
A certificate of deposit (CD) can allow you to enjoy higher annual percentage yield (APY), while still having all the security of an FDIC-insured 1 savings account. Whether you're looking for short-term growth or a longer commitment, our CDs make it easy to start earning more. And, when you pair your qualifying CD with a Premier Checking account, you’ll unlock exclusive rate bonuses and premium discounts.
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## Don’t wait—secure your rate today before it’s gone!
3.50% APY 2
on a 4-month Promotional CD
Enjoy the flexibility of a shorter term with our 4-month promotional CD, featuring a great rate of 3.50% APY!
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4.15% APY 3
on a 10-month Promotional CD
Lock in a higher rate for a longer term with our 10-month promotional CD and enjoy the guaranteed returns!
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4.25% APY 4
on a 14-month Promotional CD
Put your savings to work with an attractive fixed rate and reliable growth for 14 months.
Open now
3.50% APY 2
on a 4-month Promotional CD
Enjoy the flexibility of a shorter term with our 4-month promotional CD, featuring a great rate of 3.50% APY!
Open now
4.15% APY 3
on a 10-month Promotional CD
Lock in a higher rate for a longer term with our 10-month promotional CD and enjoy the guaranteed returns!
Open Now
4.25% APY 4
on a 14-month Promotional CD
Put your savings to work with an attractive fixed rate and reliable growth for 14 months.
Open now
## Pair a CD and a Premier Checking account to earn more
Enhance your savings when you pair your CD with a Premier Checking account where you receive a 0.10% interest rate bonus on CDs and select FDIC insured IRAs!
Getting started is easy — just add a Premier Checking account during the CD account opening process.⁵ You can complete everything online in as little as five minutes.
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* Calculation is an estimate of interest earnings. Please visit one of our branch locations and talk to a personal banker for exact figures.
## Explore our CD options
Promotional CD
Higher interest = bigger savings
Turbo boost your savings with higher rates, and even bigger earnings.
Simple Guide to Promotional CDs: All regions (4-, 10-, 14- and 17-month)
Open a Promotional CD
Flex CD
7 months of early withdrawals, fee-free
Enjoy 7 months with no penalties for early withdrawals, followed by 8 months at a fixed rate. 6
Simple Guide to Flex CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a Flex CD
No Penalty CD
Early withdrawals without the fees
Got commitment issues? No problem! Withdraw your money at any time, and pay no penalties.
Simple Guide to No Penalty CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a No Penalty CD
Standard CD
Long- or short-term savings
Go long, or go short, it’s all good! Open with a low deposit, and get flexible options for long- or short-term savings.
Simple Guide to Standard CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a Standard CD
Promotional CD
Higher interest = bigger savings
Turbo boost your savings with higher rates, and even bigger earnings.
Simple Guide to Promotional CDs: All regions (4-, 10-, 14- and 17-month)
Open a Promotional CD
Flex CD
7 months of early withdrawals, fee-free
Enjoy 7 months with no penalties for early withdrawals, followed by 8 months at a fixed rate. 6
Simple Guide to Flex CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a Flex CD
No Penalty CD
Early withdrawals without the fees
Got commitment issues? No problem! Withdraw your money at any time, and pay no penalties.
Simple Guide to No Penalty CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a No Penalty CD
Standard CD
Long- or short-term savings
Go long, or go short, it’s all good! Open with a low deposit, and get flexible options for long- or short-term savings.
Simple Guide to Standard CDs: Arkansas | Arizona | Colorado | Kansas/Missouri
Open a Standard CD
## Frequently asked questions
For questions about early withdrawals, maturity, interest and more, please read the Simple Guide for the CD product(s) you are interested in. If you don’t find what you’re looking for, call ExpressBank at 844-517-3308 , or schedule an appointment to visit us at the banking center nearest you.
What are additional benefits of a CD?
Have your interest credited to your CD or a BOK Financial checking, savings, or money market account.
Many of our CDs can be styled as Traditional or Roth IRAs.
In many cases, a BOK Financial CD can be used as collateral for a BOK Financial loan.
Is there a monthly fee for this account?
There is no monthly fee for CDs.
Is there a minimum balance?
Minimum balance requirements vary for different CD products:
$1,000 Standard CDs
$1,000 No Penalty CDs
$1,000 Promotional CDs: 4 Month, 10 Month, 14 Month, and 17 Month
How much interest will I earn on this account?
We offer very competitive interest rates. View our deposit rates for more information.
What happens at the end of the CD term?
When a certificate of deposit (CD) matures, the funds become accessible to you. The day after a CD matures, most of our CDs enter a 10-day grace period during which options are available to you. Learn more with our CD renewal and maturity guide.
## Get started now!
Open online now, visit one of our banking centers or schedule an appointment.
Open now Schedule an Appointment