New savings and money market savings accounts can be opened with a minimum of $100 up to a maximum of $250,000.
New Certificate of Deposit accounts (CDs) can be opened with a minimum of $500 up to a maximum of $1 million.
Online Certificate of Deposit (CD) Benefits
- Earning power of investing your money at a guaranteed rate of return*
- We regularly monitor the competition, and our rates are some of the best in the nation*
- Interest is compounded daily, growing your money fast
- Your money is FDIC insured up to $250,000*
- Offering a variety of terms to fit your needs with only $500 minimum to open
"Overall, banking with Vio has been an extremely positive experience and I do recommend it to others."
Vio Bank customer
"I highly recommend Vio as a great trusted bank."
Vio Bank customer
All CDs
| Balance Tier | Minimum Balance | APY* | |
|---|---|---|---|
| 4 Month Special | $500 | 3.90% | Open Account |
| 6 Month | $500 | 3.90% | Open Account |
| 9 Month Special | $500 | 3.90% | Open Account |
| 12 Month | $500 | 3.80% | Open Account |
| 18 Month | $500 | 3.95% | Open Account |
| 24 Month | $500 | 3.50% | Open Account |
| 36 Month | $500 | 3.50% | Open Account |
| 48 Month | $500 | 2.75% | Open Account |
| 60 Month | $500 | 2.75% | Open Account |
| 84 Month | $500 | 2.75% | Open Account |
| 120 Month | $500 | 2.75% | Open Account |
4 Month Certificate of Deposit APY: 3.90%
Total Balance
$0
Interest Earned
$0
About CDs
What is a CD? A type of investment that pays at a set rate of interest over a particular time period (term).
What are some uses for CDs?
- Retirement — CDs are ideal for retirement savings because they give you a guaranteed rate of return on your money, so you know exactly what you’re getting and when.
- Investing — CDs are also great for low-maintenance investing. You can use a “set it and forget it” style of investing without having to monitor them on a regular basis like you might otherwise have to with stocks or other variable investments.
Other Frequently Asked Questions
Yes, you may add a POD beneficiary to your Vio Bank account by completing the Request to Add or Remove a POD (Payable on Death) Beneficiary form. Once you have the completed form signed and notarized, you may submit the form to Vio Bank via email to digitalbankforms@viobank.com, fax to 405.840.0862 or mail to P. O. Box 76149, Oklahoma City, Oklahoma 73147.
Vio Bank currently only offers sole owner and joint owner account styling. Although you are unable to open your account with a trust, you may list your trust as a POD Beneficiary. You may complete this request by completing the Request to Add or Remove a POD Beneficiary (Trust) and Trust Certification forms. Once you have completed the forms, signed and notarized, you may submit them to Vio Bank via email to digitalbankforms@viobank.com, fax to 405.840.0862 or mail to P.O. Box 76149, Oklahoma City, OK 73147.
Please refer to the CD Disclosure for early withdrawal penalty information.
At the maturity, if you elect not to renew your CD, please call Vio Bank Customer Service at 888.999.9170 within your grace period of 10 calendar days.
Please contact a Vio Bank customer service representative within 10 days of your maturity date by calling 888.999.9170 and choosing option 0.
Start Saving Today
Open a new account online in less than five minutes. You'll just need your Social Security number, driver's license and mailing address.
Need to Talk?
You can speak with one of our friendly customer service representatives by calling us at 888.999.9170:
Monday - Friday, 7:00 a.m. - 9:00 p.m. (CT)
Saturday, 8:00 a.m. - 6:00 p.m. (CT)
Sunday, Noon - 4:00 p.m. (CT)
*Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 03/06/2026. No brokered or institutional deposits. Fees may reduce earnings on the account. Penalty may be imposed for early CD withdrawal. See the CD Disclosure for more details.
Source: Curinos LLC. Data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.
Vio Bank is a division of MidFirst Bank, and Vio Bank deposits are considered MidFirst Bank deposits for purposes of FDIC coverage.
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