BOK Financial
FDIC

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

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-insured1 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.

It appears that your location is currently outside our service area for this product. If you are an existing client, you can open a new account by logging into Digital Access.

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Don’t wait—secure your rate today before it’s gone!

3.90% APY2
on a 4-month Promotional CD

Enjoy the flexibility of a shorter term with our 4-month promotional CD, featuring a great rate of 3.90% APY!

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3.70% APY3
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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3.00% APY4
on a 15-month Flex CD

Experience the convenience of a Flex CD, featuring no penalties for early withdrawals during the first 7 months, followed by 8 months at a fixed rate.

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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 rate4.

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

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Got questions? We’ve got answers.

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.
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Get started now!

Open online now, visit one of our banking centers or schedule an appointment.

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Disclosures

1 The Federal Deposit Insurance Corporation (FDIC) is a US government corporation that insures the money in your accounts up to $250,000. Our CDs, checking accounts, savings accounts, and money market accounts are insured up to the maximum $250,000 per depositor, as allowed by law.

2 The 3.90% Annual Percentage Yield (APY) is effective as of 02/17/2026 and is applicable to 4-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.

3 The 3.70% Annual Percentage Yield (APY) is effective as of 02/17/2026 and is applicable to 10-month Promotional CDs. A minimum of $1,000 is required to open the account and earn the advertised APY. Penalties may be assessed for early withdrawals. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.

4 Flex CD: The 3.00% Annual Percentage Yield (APY) is effective as of 02/17/2026 and is applicable to 15-month Flex CDs. A minimum of $1,000 is required to open the account and earn the advertised APY.

  • Months 0-7: You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account.
  • Months 8-15: Your fee will be $25 plus 3% of the amount withdrawn. The advertised interest rate is subject to change at any time without notice. Other restrictions may apply.

5 Bonus interest rate is not automatically applied and must be requested. Accounts are not automatically linked. Please notify your banker which accounts should be linked. If the Premier Checking account is closed for any reason, or the link with another account terminated for any reason, the bonus interest rate on the linked account will be discontinued and the interest rate provided by the terms of the agreement(s) governing the savings account, CD, or select FDIC insured IRA will become applicable.