Certificates of Deposit

Maximize your returns. Greater safety.

Whether you are looking for short-term or long-term investments, SpiritBank’s CDs are safe and reliable, and our competitive interest rates keep your money growing. Which one is right for you?
  • Terms available from 30 days to 5 years
  • Minimum opening deposits of $1000 for terms of over 1 year
  • Minimum opening deposits of $2500 for terms of 1 year or under
  • Automatically renewable
Substantial penalty for early withdrawal. Fees may reduce earnings.

Call (918) 712-9292 or (405) 726-9200


Open a 12-month CD Online Today
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Ladder CD Special

Our Ladder CD lets you structure your investments the way many financial professionals advise - by laddering the terms. Whether rates go up or down in the near or long term, you have both sides covered. You’ll invest equal amounts in a 14 month and a 22 month CD, both at higher than normal rates.

0.65% APY on 14 month CD*
1.05% APY on 22 month CD*

Visit any branch location or call (918)712-9292 or (405)726-9200 to open our Ladder CD Special.

*Minimum balance of $2,500 and a maximum balance of $240,000 in each CD. Must have both CD terms with an equal amount in each to qualify for this Annual Percentage Yield (APY). Rates accurate as of 10/2/14. Substantial penalty for early withdrawal. Fees may reduce earnings.

Interest Rates for Certificates of Deposit

Interest rates current as of October 2, 2014 and subject to change at any time.

Term Rate APY*
30 Day 0.10 % 0.10 %
91 Day 0.15% 0.15 %

6 Month

0.30 %

0.30 %

12 Month 0.60 % 0.60 %
24 Month 0.85 % 0.85 %
3 Year 0.95% 0.95%
4 Year 1.14% 1.15%
5 Year 1.34% 1.35%

Open a 12-month CD Online Today

Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
Terms one year and under have a minimum opening deposit of $2,500.
Terms over one year have a minimum opening deposit of $1,000.
Maximum balance of $240,000 in each CD.

*APY means “Annual Percentage Yield”

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