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
Call (918) 712-9292 or (405) 302-2000

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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 9 month and a 25 month CD, both at higher than normal rates.

1.66% APY on 9 month CD*
2.17% APY on 25 month CD*

Visit any branch location or call (918)712-9292 or (405)302-2000 to open our Ladder CD Special.

*Minimum balance of $2,500 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 09/3/2010. Substantial penalty for early withdrawal.

Interest Rates for Certificates of Deposit

Interest rates current as of September 3, 2010 and subject to change at any time.

Term Rate APY*
30 Day 0.20 % 0.20 %
91 Day 0.30% 0.30 %
6 Month
 0.60 % 0.60 %
9 Month CD Special - Minimum balance $5,000 1.45% 1.46%
12 Month 0.80 % 0.80 %
13 Month CD Special- Minimum balance $5,000 1.65% 1.66%
18 Month 1.00 % 1.00 %
24 Month 1.29 % 1.30 %
30 Month CD Special - Minimum balance $5,000
 2.10% 2.12 %
3 Year 1.49% 1.50 %
4 Year 1.69 % 1.70 %
5 Year 1.88% 1.90%

Substantial penalty for early withdrawal of CD.
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.

*APY means “Annual Percentage Yield”

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