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BOK Financial Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 7, 2026
BOK Financial's top rates as of October 7, 2026 are 4.25% APY on its 14-Month Promo CD, 0.25% APY on savings, 1.25% APY on money market accounts, 0.02% APY on checking, and auto loans from 6.34% APR, according to rates verified by MonitorBankRates. Other BOK Financial CD rates include 14-Month Promo CD at 4.25%, 10-Month Promo CD at 4.15%, and 10-Month Promo CD at 4.15%. MonitorBankRates evaluates the financial stability of BOK Financial with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates last updated and verified on 10/07/2026.
BOK Financial money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BOK Financial? Share your experience about BOK Financial by leaving a review below, or read customer reviews before you decide to use BOK Financial.
BOK Financial has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BOK Financial has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.05%
ExcellentLower than avg
BOK Financial Texas Ratio
BOK Financial's Texas Ratio is 1.05%, which is considered excellent and is lower than the national average of 5.85%.
BOK Financial has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.51% to 1.05% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
BOK Financial CD Rates
Product
Rate
APY
Term
View More
14 Month Promo CD
-
4.25%
14 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
14 Month Promo CD
-
4.25%
14 Month
Min Balance$100,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
10 Month Promo CD
-
4.15%
10 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
10 Month Promo CD
-
4.15%
10 Month
Min Balance$100,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA Promotional Products - 10 Month Promo
-
4.15%
10 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
17 Month Promo CD
-
3.90%
17 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
17 Month Promo CD
-
3.90%
17 Month
Min Balance$100,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA Promotional Products - 17 Month Promo
-
3.90%
17 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
4 Month Promo CD
-
3.50%
4 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
4 Month Promo CD
-
3.50%
4 Month
Min Balance$100,000
Details$1,000 opening deposit required/$1,000,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
15 Month Flex CD
-
3.00%
15 Month
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
7 Month No Penalty CD
-
3.00%
7 Month
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA Promotional Products - 15 Month Flex
-
3.00%
15 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$500,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA Promotional Products - 7 Month No Penalty
-
3.00%
7 Month
Min Deposit$1,000
Details$1,000 opening deposit required/$250,000 max
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
120 Day Certificate
-
2.00%
120 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
270 Day Certificate
-
1.75%
270 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
1 Year Certificate
-
1.50%
1 Year
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
17 Month Certificate
-
1.50%
17 Months
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
18 Month Certificate
-
1.50%
18 Months
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
180 Day Certificate
-
1.50%
180 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
2 Year Certificate
-
1.50%
2 Years
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
3 Year Certificate
-
1.50%
3 Years
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
4 Year Certificate
-
1.50%
4 Years
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
5 Year Certificate
-
1.50%
5 Years
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 1 Year
-
1.50%
1 Year
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 17 month
-
1.50%
17 Months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 18 month
-
1.50%
18 Months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 2 Years
-
1.50%
2 Years
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 3 Years
-
1.50%
3 Years
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 30 month
-
1.50%
30 Months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 4 Years
-
1.50%
4 Years
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 5 Years
-
1.50%
5 Years
No additional details.
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
IRA CD - 6 month
-
1.50%
6 Months
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
30 Day Certificate
-
0.06%
30 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
60 Day Certificate
-
0.06%
60 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
7 Day Certificate
-
0.06%
7 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
90 Day Certificate
-
0.06%
90 Days
DetailsUnder $100,000
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
BOK Financial Savings Rates
Product
Rate
APY
View More
Youth Savings
-
0.25%
Min Deposit$5
DetailsOpening deposit required
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Personal Savings
-
0.10%
Min Deposit$50
DetailsOpening deposit required
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
BOK Financial Money Market Rates
Product
Rate
APY
View More
Premier Money Market
-
1.25%
Min Balance$250,000
DetailsBalance: $250,000 +
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Money Market
-
1.00%
Min Balance$100,000
DetailsBalance: $100,000 - 249,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Money Market
-
0.85%
Min Balance$50,000
DetailsBalance: $50,000 - 99,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Money Market
-
0.75%
Min Balance$25,000
DetailsBalance: $25,000 - 49,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Personal Money Market
-
0.50%
Min Balance$25,000
DetailsBalance: $25,000 +
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Personal Money Market
-
0.25%
Min Balance$10,000
DetailsBalance: $10,000 - 24,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Money Market
-
0.25%
Min Balance$10,000
DetailsBalance: $10,000 - 24,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Money Market
-
0.15%
Min Balance$0
DetailsBalance: $0 - 9,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Personal Money Market
-
0.10%
Min Balance$0
DetailsBalance: $0 - 9,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
BOK Financial Checking Rates
Product
Rate
APY
View More
Premier Checking
-
0.02%
Min Balance$0
DetailsBalance: $0 - 49,999.99
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Premier Checking
-
0.02%
Min Balance$50,000
DetailsBalance: $50,000 +
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Select Checking
-
0.01%
No additional details.
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
BOK Financial Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
7.12%
10 Years
DetailsTerm: 10 Years Revolving - 15 Years Repayment; As low as
Last Updated10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87%
Sep 18, 20267.12%▲ from 6.87%
Sep 15, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Line of Credit
-
-
7.83%
60 Months
DetailsAdditional APR listed for this product: 9.84%.
Last Updated10/07/2026
Rate History
2 changes since Sep 15, 2026 · 7.68% → 7.83% ▲ 0.15 pts · high 7.83% / low 7.68%
Oct 7, 20267.83%▲ from 7.78%
Sep 24, 20267.78%▲ from 7.68%
Sep 15, 20267.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Line of Credit
-
-
8.02%
120 Months
DetailsAdditional APR listed for this product: 10.03%.
Last Updated10/07/2026
Rate History
3 changes since Sep 15, 2026 · 7.77% → 8.02% ▲ 0.25 pts · high 8.02% / low 7.77%
Oct 7, 20268.02%▲ from 7.92%
Oct 1, 20267.92%▲ from 7.87%
Sep 24, 20267.87%▲ from 7.77%
Sep 15, 20267.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Line of Credit
-
-
8.05%
180 Months
DetailsAdditional APR listed for this product: 10.06%.
Last Updated10/07/2026
Rate History
3 changes since Sep 15, 2026 · 7.80% → 8.05% ▲ 0.25 pts · high 8.05% / low 7.80%
Oct 7, 20268.05%▲ from 7.95%
Oct 1, 20267.95%▲ from 7.90%
Sep 24, 20267.90%▲ from 7.80%
Sep 15, 20267.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Home Equity Line of Credit
-
-
8.19%
240 Months
DetailsAdditional APR listed for this product: 10.20%.
Last Updated10/07/2026
Rate History
3 changes since Sep 15, 2026 · 7.94% → 8.19% ▲ 0.25 pts · high 8.19% / low 7.94%
Oct 7, 20268.19%▲ from 8.09%
Oct 1, 20268.09%▲ from 8.04%
Sep 24, 20268.04%▲ from 7.94%
Sep 15, 20267.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
BOK Financial Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
6.34%
36 Months
DetailsAs low as
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Used Auto Loan
-
-
6.34%
36 Months
Details2016 - 2026
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
New Auto Loan
-
-
6.39%
48 Months
DetailsAs low as
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Used Auto Loan
-
-
6.39%
48 Months
Details2018 - 2026
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
New Auto Loan
-
-
6.44%
60 Months
DetailsAs low as
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Used Auto Loan
-
-
6.44%
60 Months
Details2022 - 2026
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
New Auto Loan
-
-
6.54%
72 Months
DetailsAs low as
Last Updated10/07/2026
Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Used Auto Loan
-
-
6.54%
72 Months
Details2023 - 2026
Last Updated10/07/2026
Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.05%
Financial Health History
BOK Financial’s Texas Ratio fell from 2.51% in Q3 2023 to 1.05% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$53.0B
1.05%
5.0
A+
March 31, 2026
$53.5B
0.96%
5.0
A+
December 31, 2025
$52.0B
1.24%
5.0
A+
September 30, 2025
$49.9B
1.22%
5.0
A+
June 30, 2025
$50.9B
1.38%
5.0
A+
March 31, 2025
$50.3B
1.53%
5.0
A+
December 31, 2024
$49.5B
0.81%
5.0
A+
September 30, 2024
$49.9B
1.50%
5.0
A+
June 30, 2024
$50.2B
1.80%
5.0
A+
March 31, 2024
$49.9B
2.32%
5.0
A+
December 31, 2023
$49.6B
2.87%
5.0
A+
September 30, 2023
$48.7B
2.51%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for BOK Financial is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather BOK Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with BOK Financial's official website for the most current offers and terms.
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Customer Reviews
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Frequently Asked Questions About BOK Financial
How many branches does BOK Financial operate?
BOK Financial currently maintains approximately 116 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, BOK Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, BOK Financial provides members with tools to manage their accounts and build a solid financial history.
Does BOK Financial offer online and mobile banking?
Most modern institutions like BOK Financial provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bokfinancial.com.
Current BOK Financial Rates
12-Month CD1.50%
18-Month CD1.50%
24-Month CD1.50%
36-Month CD1.50%
48-Month CD1.50%
60-Month CD1.50%
Savings0.25%
MMA1.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
