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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Interest Rates for Certificates of Deposit

Interest rates current as of November 3, 2009 and subject to change at any time.

Term Rate APY*
30 Day 0.20 % 0.20 %
91 Day 0.30% 0.30 %
6 Month
 0.65 % 0.65 %
8 Month CD Special - Minimum balance $5,000 1.15% 1.16%
12 Month 0.85 % 0.85 %
14 Month CD Special- Minimum balance $5,000 1.41% 1.42%
18 Month 1.00 % 1.00 %
24 Month 1.29 % 1.30 %
30 Month 1.39% 1.40 %
3 Year 1.49% 1.50 %
3 1/2 Year CD Special - Minimum balance $5,000
 2.23%
 2.25%
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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