BOK Financial CD Rates (November 2026) & Calculator
BOK Financial pays up to 4.25% APY on a 14-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
BOK Financial CD rates (Nov 5, 2026)
Every CD term BOK Financial lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 4 months | Promotional CDSpecial | $1,000 | 3.50% | $115.33 |
| 10 months | Promotional CDSpecial | $1,000 | 4.15% | $344.66 |
| 14 months | Promotional CDSpecial | $1,000 | 4.25% | $497.57 |
Special is a promotional rate. Relationship needs a linked account at BOK Financial. A dash means the same APY as the opening balance. The highlighted row is BOK Financial's top rate.
Source: BOK Financial CD rates. Rates change often; confirm before you open an account.
BOK Financial vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | BOK Financial | National avg | Best other bank |
|---|---|---|---|
| 4 months | 3.50% | 1.14% (3 mo) |  Atlantic Union 3.85% |
| 10 months | 4.15% | 1.76% (12 mo) |  American Express 4.50% |
| 14 months | 4.25% | 1.76% (12 mo) |  Synchrony 4.30% |
BOK Financial CD early withdrawal penalty
| Term | Penalty |
|---|---|
| Term less than 365 days | a $25 fee plus 1% of the amount withdrawn |
| Term 365 days or more | a $25 fee plus 3% of the amount withdrawn |
Example: $10,000 in a 14-month CD at 4.25%, withdrawn after 7 months, has earned $245.76. The penalty is $325.00, so you would get $9,920.76, $79.24 less than you put in.
From BOK Financial’s Standard CD guide (Arkansas region); other regions publish their own guides. Official disclosure (checked 2026-11-06).
Taxes on BOK Financial CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. BOK Financial sends Form 1099-INT when you earn $10 or more in a year. For example, the $497.57 that $10,000 earns over 14 months at 4.25% would cost about $109 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following BOK Financial's published rule for that term.
Rates come from BOK Financial's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against BOK Financial's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
BOK Financial CD FAQs
Quick answers about BOK Financial CD rates and penalties.
What are BOK Financial's CD rates today?
How much will $10,000 earn in a 14-month BOK Financial CD?
What is BOK Financial's CD early withdrawal penalty?
Are BOK Financial CDs insured?
How do BOK Financial's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. BOK Financial's best is 4.25%.
Popular Direct1-year 4.60%Top rate5.00%5 yr
Sallie Mae1-year 4.50%Top rate5.00%5 yr
E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr- American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr- Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat BOK Financial's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.