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Highest Savings Rates in Oklahoma
46 Oklahoma-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Oklahoma Rate:3.50%

The Oklahoma market

Oklahoma accounts

46

Institutions

40

Top Oklahoma APY

3.50% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

46 savings accounts are open only to Oklahoma residents, from 40 institutions. The highest advertised APY among them is 3.50%.

The highest nationally available rate is 5.00% APY, 150 basis points above the Oklahoma leader.

29 of the 46 Oklahoma savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Oklahoma-Specific Savings Accounts

These savings accounts are specifically available to Oklahoma residents.

#1

All Capital Bank

Impact: Consumer Savings

+$350
per year
3.50% APY
Oct 3, 2026

On balances of $1,000 to $249,999.99 · 0.00% below

APY Range: 0.00% – 3.50%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The stated rate applies to a daily balance from $1,000.00 to $249,999.99. A balance below $1,000.00 earns no interest, and a balance of $250,000.00 or more earns a lower rate. Each withdrawal above six in a month costs $2.00.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16795)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAll Capital Bank

Direct Link to Product Page (Not Sponsored)

#2

PNC

PNC High Yield Savings

+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityAK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#3

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#4

Vast Bank, National Association

Platinum Savings

+$250
per year
2.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Two withdrawals each month are free. Each additional withdrawal costs $10.00.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23737)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVast Bank, National Association

Direct Link to Product Page (Not Sponsored)

#5

Bank of Commerce

Essential Savings

+$235
per year
2.35% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$50
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57491)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Commerce

Direct Link to Product Page (Not Sponsored)

#6

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#7

First Liberty Bank

Max Saver

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14029)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteFirst Liberty Bank

Direct Link to Product Page (Not Sponsored)

#8

The City National Bank and Trust Company of Lawton, Oklahoma

CNB High-Yield Savings

+$200
per year
2.00% APY
Oct 7, 2026

On balances up to $200,001 · no rate stated above

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Qualification is earned through a linked CNB High-Yield Checking or CNB Cash Back checking account. The stated APY applies to balances up to $200,001, and the portion above $200,001 earns a lower rate. Each withdrawal after the first in a statement cycle costs $3. Limit one account per customer.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4132)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteThe City National Bank and Trust Company of Lawton, Oklahoma

Direct Link to Product Page (Not Sponsored)

#9

Community National Bank & Trust

Platinum Savings

+$191
per year
1.91% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.15% – 1.91%
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27046)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCommunity National Bank & Trust

Direct Link to Product Page (Not Sponsored)

#10

Security Bank

Security Savings

+$176
per year
1.76% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change at any time at the bank's discretion. Six transactions per quarter are free; each further transaction costs $1.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4178)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteSecurity Bank

Direct Link to Product Page (Not Sponsored)

#11

The Bank of the West

Savings

+$126
per year
1.26% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Interest is credited once a quarter. An account closed before the credit date does not receive the interest accrued since the last credit.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25703)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of the West

Direct Link to Product Page (Not Sponsored)

#12

All America Bank

Regular Savings

+$125
per year
1.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$25
Maintenance Fee$5, if average daily balance for the month drops below $25
Compound FreqMonthly
Direct DepositNot required
BranchesSeven locations in Oklahoma City, Mustang, Snyder, Cache, Medicine Park, Elgin and Sentinel, OK, and a Loan Production Office in Lawton, OK
Deposit InsuranceFDIC Insured(Cert: 20093)
EligibilityUnited States
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteAll America Bank

Direct Link to Product Page (Not Sponsored)

#13

The Payne County Bank

Personal Savings

+$110
per year
1.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Account holders under 18 open the account with a smaller deposit and pay no monthly service charge.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12485)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Payne County Bank

Direct Link to Product Page (Not Sponsored)

#14

Panhandle First Bank

Regular Savings

+$101
per year
1.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Limited to 4 withdrawals per month; excess withdrawals carry a fee. The monthly maintenance fee is waived for primary account holders who are students up to 19 years old.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22340)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePanhandle First Bank

Direct Link to Product Page (Not Sponsored)

#15

Legacy Bank

Savings Account

+$100
per year
1.49% APY
Oct 12, 2026

Needs at least $50,000

APY Range: 0.80% – 1.49%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$20
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4042)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteLegacy Bank

Direct Link to Product Page (Not Sponsored)

#16

Old Glory Bank

Freedom Savings Account

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change after the account is opened.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18924)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteOld Glory Bank

Direct Link to Product Page (Not Sponsored)

#17

THE SEILING STATE BANK

Savings Account

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is applied each quarter, not each month. There is no charge when the average balance is $100 or more.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$100
Maintenance Fee$2.00 Quarterly Service Charge if Average Balance Below $100
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4193)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteTHE SEILING STATE BANK

Direct Link to Product Page (Not Sponsored)

#18

Union State Bank

eVantage Save

+$100
per year
1.00% APY
Oct 7, 2026

On balances up to $50,000 · 0.05% above

APY Range: 0.05% – 1.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly eVantage qualifications are met. Otherwise the account pays a lower base rate. The qualifications are a Union State Bank consumer checking account with the same primary owner, one deposit, enrollment in e-statements and a $2,500 average daily balance in each monthly statement cycle. The stated APY applies to balances up to $50,000. The portion of the balance above $50,000 earns a lower rate.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1869)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteUnion State Bank

Direct Link to Product Page (Not Sponsored)

#19

First Liberty Bank

Savings

+$90
per year
0.90% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14029)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Liberty Bank

Direct Link to Product Page (Not Sponsored)

#20

First Bank & Trust Company

Regular Savings

+$75
per year
0.75% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13946)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#21

The Stock Exchange Bank

Regular Savings

+$70
per year
0.70% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $10 minimum balance fee is charged each quarter when the average daily balance falls below $100. Each withdrawal after five in a quarter costs $1. The minimum balance fee and the opening deposit do not apply to holders aged 18 and under or 55 and over.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance FeeA minimum balance fee of $10.00 per quarter will be charged if the average daily balance in the account falls below $100.
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 414)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe Stock Exchange Bank

Direct Link to Product Page (Not Sponsored)

#22

Bank of Vici

Savings Account

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 420)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Vici

Direct Link to Product Page (Not Sponsored)

#23

FNB Community Bank

Regular Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Three withdrawals each quarter are free; each withdrawal after that costs $6. The maintenance fee is charged quarterly rather than monthly, and is avoided by an average daily balance of $100 or more.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10 quarterly maintenance fee, avoided by an average daily balance of $100 or more
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16127)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFNB Community Bank

Direct Link to Product Page (Not Sponsored)

#24

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#25

RCB Bank

Regular, Business & Kids Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15399)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRCB Bank

Direct Link to Product Page (Not Sponsored)

#26

American Heritage Bank

American Savings

+$40
per year
0.60% APY
Oct 7, 2026

Needs at least $75,000

APY Range: 0.40% – 0.60%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A standing automatic transfer of at least $25.00 a month from an American Heritage Bank checking account into this account is required.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4190)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteAmerican Heritage Bank

Direct Link to Product Page (Not Sponsored)

#27

Frontier State Bank

Regular Savings

+$40
per year
0.40% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened. The monthly service charge applies if the balance falls below $100 on any one day of the statement cycle, not only on average.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 21978)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFrontier State Bank

Direct Link to Product Page (Not Sponsored)

#28

American Heritage Bank

Personal/Minor Savings

+$35
per year
0.40% APY
Oct 7, 2026

Needs at least $25,000

APY Range: 0.35% – 0.40%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The minor version of this account opens with $25.00 instead of the $100.00 personal minimum.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4190)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteAmerican Heritage Bank

Direct Link to Product Page (Not Sponsored)

#29

Fidelity Bank, National Association

Step-Up Savings

+$30
per year
0.30% APY
Oct 7, 2026

Needs at least $1,000

APY Range: 0.10% – 0.30%
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30895)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFidelity Bank, National Association

Direct Link to Product Page (Not Sponsored)

#30

First Oklahoma Bank

Basic Savings

+$30
per year
0.30% APY
Oct 7, 2026

Needs at least $100

APY Range: 0.00% – 0.30%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly fee applies in any statement cycle in which the balance falls below $100. Six withdrawals per statement cycle are free and each further withdrawal costs $1.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance FeeMaintain a $100 balance to avoid a monthly fee. $3 if balance falls below $100
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12484)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Oklahoma Bank

Direct Link to Product Page (Not Sponsored)

#31

Oklahoma Capital Bank

Savings

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$200
Min. Balance$200
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18856)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteOklahoma Capital Bank

Direct Link to Product Page (Not Sponsored)

#32

AVB Bank

Personal Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

There is no monthly maintenance fee. The account is instead charged $6 for any quarter in which the average daily balance falls below $100.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 2326)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAVB Bank

Direct Link to Product Page (Not Sponsored)

#33

Liberty National Bank

Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is assessed per quarterly cycle, not monthly, and applies when the minimum daily balance falls below $100. Up to nine withdrawals per quarter are free and each further withdrawal costs $2, unless the balance stays above $1,000, in which case withdrawals and transfers made in person or at an ATM are unlimited.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$25
Maintenance Fee$3.00 service charge per quarterly cycle if the minimum daily balance falls below $100.
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11522)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteLiberty National Bank

Direct Link to Product Page (Not Sponsored)

#34

The Community State Bank

Savings

+$25
per year
0.25% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 20279)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Community State Bank

Direct Link to Product Page (Not Sponsored)

#35

Triad Bank, National Association

Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $2 maintenance fee is charged each quarter when the minimum daily balance is below $500. Each withdrawal over six in a quarter carries a fee.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance FeeMaintenance fees range from $0 to $2 a quarter
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 24677)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteTriad Bank, National Association

Direct Link to Product Page (Not Sponsored)

#36

VALOR BANK

Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account has no monthly transaction limit.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9467)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVALOR BANK

Direct Link to Product Page (Not Sponsored)

#37

Vast Bank, National Association

Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Two withdrawals each month are free. Each additional withdrawal costs $1.00.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$2 monthly maintenance fee, avoided with an average daily collected balance of $100
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23737)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVast Bank, National Association

Direct Link to Product Page (Not Sponsored)

#38

Washita State Bank

WSB Traditional

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22430)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteWashita State Bank

Direct Link to Product Page (Not Sponsored)

#39

Elevate Bank, National Association

Personal Savings Account

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $0.50 fee is charged for each paper debit after the first in a month.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4770)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteElevate Bank, National Association

Direct Link to Product Page (Not Sponsored)

#40

Lakeside Bank of Salina

Regular Savings Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 21255)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteLakeside Bank of Salina

Direct Link to Product Page (Not Sponsored)

#41

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#42

Great Southern Bank

Everyday Savings

+$4
per year
0.04% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly minimum-balance fee is waived entirely for account holders aged 17 and under and for those over 60, whatever the balance. Withdrawals are unlimited.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29546)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGreat Southern Bank

Direct Link to Product Page (Not Sponsored)

#43

UMB Bank, National Association

UMB Savings

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The listed rate is for accounts opened online and may vary by region.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8273)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteUMB Bank, National Association

Direct Link to Product Page (Not Sponsored)

#44

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#45

BMO Bank

Savings Builder

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16571)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Oklahoma.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list