Last Updated: 12/17/2025
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Highlights
APY (Annual Percentage Yield)
N/A(Verified 09/04/2025)
Minimum Opening Deposit
$1,000
Certificate Term
- 2 months
- 4 Months
- 6 months
- 12 months
State Exchange Bank CD Review
State Exchange Bank CD are offered by State Exchange Bank, a bank founded in 1901 and based in Lamont, OK. State Exchange Bank CD are available in 1 state.
Key Takeaways
- Only one CD type available. State Exchange Bank CD only offers traditional CD accounts.
- $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Wide selection of CD terms. State Exchange Bank CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of State Exchange Bank CD
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State Exchange Bank CD FAQ
Are CD from State Exchange Bank federally insured?
Yes, your State Exchange Bank CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What types of CDs does State Exchange Bank offer?
State Exchange Bank CD provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does State Exchange Bank offer on its CDs?
What terms does State Exchange Bank CD offer?
State Exchange Bank offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
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| 12-Month APY | 4.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 4.15% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Month APY | 4.15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with State Exchange Bank?
State Exchange Bank CD require a minimum deposit of $1,000 to open an account.
What is the grace period for State Exchange Bank CD?
State Exchange Bank CD does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does State Exchange Bank charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
State Exchange Bank charges an early withdrawal fee.
State Exchange Bank does charge any of the fees we track.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 3:00PM
Tuesday
9:00AM - 3:00PM
Wednesday
9:00AM - 3:00PM
Thursday
9:00AM - 3:00PM
Friday
9:00AM - 3:00PM
Saturday
Closed