Sand Springs, Oklahoma (OK) Savings Rates - March 2026
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The savings 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.
The best savings rates for Sand Springs, Oklahoma and the surrounding area include TTCU Federal Credit UnionTTCU Federal Credit Union202 S Main St, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 5.15% Savings (Share) Accounts at 0.75% APY, American Heritage BankAmerican Heritage Bank3801 S 113th West Ave, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 0.41% American Savings at 0.50% APY, BOK FinancialBOK Financial401 East Broadway, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 3.85% Youth Savings at 0.25% APY, WeStreet Federal Credit UnionWeStreet Federal Credit Union220 Jefferson St, Sand Springs, OK 74063B4.4 ★Texas Ratio: 22.03% Business (Primary) Savings at 0.20% APY, and FsnbFsnb1420 Sw Lee Blvd, Lawton, OK 73501A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Sand Springs, Oklahoma, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Sand Springs, Oklahoma (OK) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sand Springs, Oklahoma and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Sand Springs, Oklahoma & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
202 S Main St, Sand Springs, OK 74063
Savings (Share) Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
202 S Main St, Sand Springs, OK 74063
Savings (Share) Accounts
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $40,000
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3801 S 113th West Ave, Sand Springs, OK 74063
American Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
202 S Main St, Sand Springs, OK 74063
Savings (Share) Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $20,000
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3801 S 113th West Ave, Sand Springs, OK 74063
Personal/Minor Savings
0.35%
$100
▼
Rate0.35%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3801 S 113th West Ave, Sand Springs, OK 74063
American Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
American Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3801 S 113th West Ave, Sand Springs, OK 74063
Personal/Minor Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
202 S Main St, Sand Springs, OK 74063
Savings (Share) Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $10,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
401 East Broadway, Sand Springs, OK 74063
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
220 Jefferson St, Sand Springs, OK 74063
Business (Primary) Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
220 Jefferson St, Sand Springs, OK 74063
Business (Primary) Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
401 East Broadway, Sand Springs, OK 74063
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
220 Jefferson St, Sand Springs, OK 74063
Secondary Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
220 Jefferson St, Sand Springs, OK 74063
Primary Share Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
220 Jefferson St, Sand Springs, OK 74063
Primary Savings Account
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1420 Sw Lee Blvd, Lawton, OK 73501
Cents-able Savings
7.00%
$5
▼
Rate7.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
427 NW 6th St, Oklahoma City, OK 73102 2804
Blue Savings for Business
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Must enroll in eStatements to receive the advertised rate. Maximum aggregate balance of $2,500,000 across Blue Savings for Business accounts per Tax ID.
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3330 N Lincoln Blvd, Oklahoma City, OK 73105 5406
SmartSaver Savings (Minor Savings)
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Premier Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
2018 S Washington, Idabel, OK 74745
IRA Savings
2.75%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($0 Opening Balance)
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
7340 W Memorial Rd, Oklahoma City, OK 73142
Online Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
w/Direct Deposit into Checking.
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
Gateway High Yield Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minimum Balance 4,5,6,9,10
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Business Premier Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
Platinum Savings
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
Statement Savings Plus
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
Statement Savings
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Commerce Duncan, OK
Institution Rating:
A-4.9 ★Texas Ratio: 16.35%
110 W Oklahoma Ave, Anadarko, OK 73005
Commercial Savings
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
709 E Prospect Ave, Ponca City, OK 74601
Platinum Savings Account
1.91%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
405 Us Highway 271, Wister, OK 74966
MMA
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Security Bank Tulsa, OK
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
10727 E 51st St, Tulsa, OK 74146
Security Savings
1.76%
$100
▼
Rate1.75%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$100 minimum deposit to open.
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
7340 W Memorial Rd, Oklahoma City, OK 73142
Rainy Day Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
WE Care Savings
1.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $4,999.99
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Premier Savings
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Premier Savings
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
401 South Main Street, Leedey, OK 73654
Savings
1.26%
$100
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
2001 12th Ave NW, Ardmore, OK 73401
IRA Savings
1.26%
$250
▼
Rate1.25%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
over $250
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Premier Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
7340 W Memorial Rd, Oklahoma City, OK 73142
Health Savings Account
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Business Premier Savings
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Business Premier Savings
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Business Premier Savings
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
405 Us Highway 271, Wister, OK 74966
MMA
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
220 N Main St, Helena, OK 73741
Personal Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Any balance
SSB Seiling State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
301 N Main St, Seiling, OK 73663
Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2612 SE Washington Blvd, Bartlesville, OK 74006
Premier Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Share
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
9601 N May Ave, Oklahoma City, OK 73120
Savings (Personal & Business)
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Idabel National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1201 E Washington St, Idabel, OK 74745
Regular Savings
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
Share
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Sand Springs, OK Savings Rate Trends
Compare local Sand Springs, OK savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — OK Avg
1.786%
▼ 0.012 from last week
Oklahoma high-yield savings rates fell 0.012 points this week to 1.786% APY, down from 1.799% last week.
Standard Savings — OK Avg
0.311%
▼ 0.252 from last week
Oklahoma standard savings rates fell 0.252 points this week to 0.311% APY, down from 0.563% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Sand Springs, Oklahoma directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Sand Springs, Oklahoma. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in OK.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Sand Springs, Oklahoma
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Oklahoma, help your money grow faster through a higher APY.
Are savings accounts in Sand Springs, Oklahoma safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Oklahoma up to $250,000 per depositor, per institution.
How often do savings rates change in Sand Springs, Oklahoma?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Oklahoma rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Sand Springs, Oklahoma may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Sand Springs, Oklahoma?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sand Springs, Oklahoma offer in-person customer service, which some customers prefer.
How do I open a savings account in Sand Springs, Oklahoma?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Sand Springs, Oklahoma
Here are recent savings rates observed in Sand Springs, Oklahoma and the surrounding area:
- TTCU Federal Credit Union
Savings (Share) Accounts — 0.75% APY - American Heritage Bank
American Savings — 0.50% APY - BOK Financial
Youth Savings — 0.25% APY - WeStreet Federal Credit Union
Business (Primary) Savings — 0.20% APY - Fsnb
Cents-able Savings — 7.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sand Springs, Oklahoma. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
