Arvest Bank Savings & Money Market Rates — May 2026
Arvest offers three interest-bearing deposit account types for personal savers. Rates below are Annual Percentage Yield (APY) and assume no withdrawals during the stated period.
Standard Savings
0.50%Basic savings with no minimum balance requirement. Earns modest interest — good for an emergency fund you access regularly. FDIC insured to $250,000.
Open AccountHigh-Yield Savings
4.25%Arvest's highest savings rate — significantly above the national savings average of 0.46% APY (FDIC, May 2026). Requires $1,000 minimum balance to earn the stated APY.
Open High-Yield SavingsMoney Market Account
3.85%Higher rate with check-writing privileges (up to 6 checks/month). Ideal for larger balances that may need occasional access. $5,000 minimum to avoid the $15/month fee.
Open Money MarketArvest Bank CD Rates — May 2026
Certificates of Deposit (CDs) lock your money for a set term in exchange for a guaranteed, higher interest rate. Arvest CDs require a $1,000 minimum deposit and are FDIC insured to $250,000. Early withdrawal penalties apply — typically 3–6 months interest depending on term.
| CD Term | APY Rate | Minimum Deposit | Early Withdrawal Penalty | Best For |
|---|---|---|---|---|
| 3 months | 4.10% | $1,000 | 1 month interest | Short-term parking |
| 6 months | 4.35% | $1,000 | 2 months interest | Rate shopping buffer |
| 12 months ⭐ | 4.65% APY | $1,000 | 3 months interest | Best value term |
| 18 months | 4.55% | $1,000 | 3 months interest | Rate lock through mid-2027 |
| 24 months | 4.45% | $1,000 | 6 months interest | 2-year savings goal |
| 36 months ⭐ | 4.75% APY | $1,000 | 6 months interest | Maximum APY |
| 48 months | 4.60% | $1,000 | 6 months interest | Long-term certainty |
| 60 months | 4.50% | $1,000 | 6 months interest | 5-year commitment |
⚠️ CD rates are subject to change without notice. Rates shown are for new CD openings as of May 25, 2026. Contact Arvest at 1-866-952-9523 to confirm current rates before opening a CD.
Arvest Bank Personal & Auto Loan Rates — May 2026
| Loan Type | Starting APR | Typical Range | Max Term | Min Amount |
|---|---|---|---|---|
| Personal Loan (unsecured) | 7.99% | 7.99% – 24.99% | 60 months | $1,000 |
| Personal Loan (secured) | 6.49% | 6.49% – 18.99% | 84 months | $1,000 |
| New Auto Loan | 5.99% | 5.99% – 14.99% | 84 months | $5,000 |
| Used Auto Loan | 6.74% | 6.74% – 17.99% | 72 months | $5,000 |
| Home Equity Line (HELOC) | 7.25% | Prime + 0%–2% | 30 years | $10,000 |
| Home Equity Loan | 7.49% | 7.49% – 12.99% | 15 years | $10,000 |
APR = Annual Percentage Rate. Actual rate depends on creditworthiness, loan term, and collateral. Arvest performs a hard credit inquiry on loan applications. Rate may vary from stated range.
Arvest Bank Mortgage Rates — May 2026
| Loan Type | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.625% | 6.74% | 0.5 |
| 20-Year Fixed | 6.375% | 6.48% | 0.5 |
| 15-Year Fixed | 5.875% | 5.99% | 0.5 |
| 5/1 ARM | 5.500% | 6.12% | 0 |
| FHA 30-Year Fixed | 6.375% | 7.20% | 0.5 |
| VA 30-Year Fixed | 6.000% | 6.12% | 0 |
Mortgage rates shown are for illustrative purposes. Actual rates depend on loan amount, down payment, property location, and your credit profile. Contact an Arvest mortgage specialist at 1-866-952-9523 for a personalized quote.
🏦 Arvest CD Earnings Calculator
Calculate how much interest you could earn by opening an Arvest CD at current rates.
⚠️ Illustrative only. Early withdrawal penalties will reduce returns. Verify current rates before opening.
Arvest Bank Rates Explained — Video Overview
This short video explains how to compare bank rates, when to choose a CD over a savings account, and how to maximize returns with Arvest's current rate environment.
Arvest Bank Rates vs. National Average — May 2026
How do Arvest Bank rates compare to the national averages published by the FDIC in May 2026? Here's the direct comparison.
| Account / Product | Arvest Bank | FDIC National Average | Arvest vs. National |
|---|---|---|---|
| Standard Savings APY | 0.50% | 0.46% | +0.04% |
| High-Yield Savings APY | 4.25% | 0.46% | +3.79% ✔ |
| 12-Month CD APY | 4.65% | 1.81% | +2.84% ✔ |
| 24-Month CD APY | 4.45% | 1.56% | +2.89% ✔ |
| Personal Loan APR (starting) | 7.99% | 11.90% | −3.91% ✔ |
| 30-Year Mortgage APR | 6.74% | 6.80% | −0.06% |
Sources: FDIC National Rate Survey, May 2026. National averages are simple averages of rates paid by all FDIC-insured institutions.
Arvest Bank Rates — Frequently Asked Questions
Arvest Bank adjusts savings, CD, and loan rates periodically in response to changes in the federal funds rate set by the Federal Reserve. As a general rule, savings and money market rates can change at any time without notice, while CD rates are locked at the time of opening for the full CD term. Loan rates are locked when your loan is funded. Check this page weekly during periods of active Fed rate decisions.
As of May 2026, Arvest's highest CD rate is 4.75% APY on a 36-month CD with a $1,000 minimum deposit. This rate is significantly above the FDIC national average for 24-month CDs of 1.56% APY. Note that early withdrawal from a CD before maturity will result in a penalty of 6 months' interest for terms of 24 months or longer.
Yes. Arvest's High-Yield Savings account earns 4.25% APY as of May 2026 — more than 9x the FDIC national savings average of 0.46% APY. The account requires a $1,000 minimum balance to earn the stated APY. Below $1,000, the account earns the standard savings rate of 0.50% APY. There is no monthly fee as long as the minimum balance is maintained.
Yes. When you open an Arvest CD, the APY stated at account opening is guaranteed for the full term — it won't decrease if the Fed cuts rates. This is the primary advantage of a CD over a high-yield savings account, which is variable. If rates fall significantly, your CD continues earning the locked rate until maturity. If rates rise, you can withdraw (with a penalty) and reinvest at the higher rate.