A large family at a dining table outside.

Certificates of Deposit

OSB now lets you open a personal bank account online for checking, savings, and CDs.
An OSB Certificate of Deposit (CD) account is a great way to quickly build your savings.

Whether you’re saving for the short-term, long-term or both, Certificates of Deposit from Oklahoma State Bank make your hard-earned money work harder. We offer a wide range of rates, and terms from one month to five years. OSB has the right CD for you.

CD Rates

Term CD APY* under $50k CD APY* over $50k
1 MONTH 1.35% 1.60%
3 MONTHS 2.95% 3.30%
6 MONTHS 3.25% 3.50%
12 MONTHS 3.35% 3.60%
13 MONTHS  SPECIAL 3.85% 4.10%
18 MONTHS 3.95% 4.20%
24 MONTHS 3.00% 3.00%
36 MONTHS 3.00% 3.00%
48 MONTHS 3.00% 3.00%
60 MONTHS 3.00% 3.00%

IRA CD Rates

Term CD APY*
ONE (1) YEAR 3.35%
TWO (2) YEARS 3.00%
*APY = Annual Percentage Yield – Rates and promotional offers are subject to change or cancellation at any time. A penalty may be charged for early withdrawal that could reduce earnings. Yield valid as of 2/2/2023. Minimum deposit $1,000. Other restrictions may apply.