Okla. Stat. tit. 18, § 18-381.49: Earnings on deposit accounts

With the exception of interest at a rate fixed, or negotiated on

an individual basis, by a deposit association prior to the

acceptance of the deposit, an association shall determine the rates

of earnings to be paid on all classes of deposit accounts, the times

and manner of crediting, distributing and paying of such earnings,

and the qualifications and limitations applicable to each class of

deposit accounts for which a rate higher than regular rate is

provided.