Best 5-Year CD Rates in Missouri, MO

You are viewing rates from banks across Missouri

Below are 5-year CD Rates from banks that are located in Missouri. Five-Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

MO - August 16, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Synchrony Bank	4.15%	$0	-	Learn More Add Review
Rate History: 4.00% → 4.15%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
First Bank of the Lake First Bank Of The Lake Branch	4.10%	$5,000	-	Learn More
Rate History: 3.50% → 4.00% → 4.15% → 4.10%
Richard \| Jun 10, 2021 I bank at this bank and they have the best people working there They all have a lot of knowledge and most all have been there a long time they do a great job and have the highest CD rates around Read More Reviews (4)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.25% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.24% → 4.09% → 3.67% → 3.65% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.95%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.15% → 4.10% → 3.95% → 4.05% → 3.95%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
M.Y. Safra Bank	3.91%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.11%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Colorado Federal Savings Bank	3.80%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 Months' Interest. Rate History: 4.35% → 4.00% → 3.80%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
American Express Bank, FSB	3.75%	$0	-	Learn More Add Review
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.80% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.75% → 3.25% → 3.81% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
CFG Bank	3.65%	$500	-	Learn More Add Review
Rate History: 3.60% → 3.75% → 3.65% → 1.25% → 3.65%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Seattle Bank	3.60%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.15% → 4.00% → 3.75% → 3.60%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Security Bank of Kansas City Ward Parkway Branch	3.55%	$500	-	Learn More
Rate History: 1.26% → 2.02% → 3.55%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
SULLIVAN BANK Cuba Branch	3.55%	$1,000	-	Learn More Add Review
Virtualbank, a division of First Horizon Bank	3.51%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.90% → 3.75% → 3.50% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.00% → 3.90% → 3.65% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 4.05% → 3.90% → 3.75% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.00% → 3.90% → 3.75% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Phelps County Bank Drive-In Facility Branch	3.49%	$1,000	-	Learn More
Rate History: 1.36% → 2.52% → 2.78% → 3.49%
Theresa \| Jun 25, 2019 can I cash my Progressive Insurance claim check Read More Reviews (1)
The Bank of Missouri Caruthersville Branch	3.44%	$500	-	Learn More Add Review
LendingClub	3.40%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.00% → 3.40%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
State Bank	3.35%	$1,000	-	Learn More Add Review
Rate History: 2.52% → 3.00% → 3.40% → 3.25% → 3.35%
Gateway First Bank	3.30%	$500	-	Learn More
Rate History: 2.90% → 3.30%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.15% → 3.75% → 3.50% → 3.75% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Montgomery Bank Montgomery Bank, National Association Branch	3.20%	$1,000	-	Learn More Add Review
Rate History: 0.50% → 3.20%
FCB Banks Tesson Ferry Road Branch	3.10%	$1,000	-	Learn More
Rate History: 2.85% → 3.10%
RS \| Feb 2, 2021 This bank's site shows the 15 mo rate at .45% Read More Reviews (1)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 30 months interest. Rate History: 3.50% → 3.00% → 2.50% → 3.00%
First Federal Bank of Kansas City 9330 East Gregory Blvd Branch	3.00%	$1,000	-	Learn More Add Review
Rate History: 2.02% → 3.50% → 3.00%
BMO Alto, a division of Bank of Montreal Harris	2.85%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.10% → 4.00% → 3.90% → 3.60% → 2.85%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Capitol Federal Savings Bank Embassy Plaza Branch	2.50%	$1,000	-	Learn More
Rate History: 3.50% → 2.50% → 3.50% → 2.50%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
Union Bank and Trust Company	2.32%	$1,000	-	Learn More
Rate History: 2.27% → 2.32%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
My Savings Direct, a division of Emigrant Bank	2.00%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.50% → 2.00%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Dollar Savings Direct, a division of Emigrant Bank	2.00%	$1,000	-	Learn More Add Review
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
OneLocal Bank	1.75%	$1,000	-	Learn More Add Review
Paramount Bank Paramount Bank Branch	1.70%	$1,000	-	Learn More
Rate History: 1.70% → 1.70%
Old Man Bob \| Apr 20, 2023 This is a true blue community bank. When you call you get people that are able to take action and make decisions. Customer service is number 1. Works great for CDs. They have a nice stand alone buildin... Read More Reviews (5)
BOKF, National Association Brookside Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Systematic Savings Bank Systematic Savings Bank Branch	1.53%	$10,000	-	Learn More Add Review
State Bank of Missouri Grain Valley Branch	1.51%	$500	-	Learn More Add Review
Citizens Bank Cleveland Branch	1.51%	$500	-	Learn More Add Review
Independent Farmers Bank King City Branch	1.51%	$10,000	-	Learn More Add Review
Putnam County State Bank Putnam County State Bank Branch	1.51%	$100,000	-	Learn More Add Review
United Community Bank	1.51%	$100,000	-	Learn More Add Review
FMB Bank Fmb Bank Branch	1.51%	$10,000	-	Learn More Add Review
Adrian Bank 302 S.W. Outer Road Branch	1.51%	$10,000	-	Learn More Add Review
Commercial Bank Chesterfield Branch	1.51%	$10,000	-	Learn More Add Review
Springfield First Community Bank Springfield First Community Bank Branch	1.51%	$10,000	-	Learn More Add Review
Alton Bank Alton Bank Branch	1.51%	$100,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Great American Bank Kansas City Branch	1.50%	$1,000	-	Learn More Add Review
United Bank of Union Union Branch	1.50%	$10,000	-	Learn More Add Review
Bank of Monticello Kahoka Branch	1.46%	$100,000	-	Learn More Add Review
Silex Banking Company Silex Banking Company Branch	1.46%	$10,000	-	Learn More Add Review
Community First Bank Community First Bank Branch	1.45%	$10,000	-	Learn More Add Review
Exchange Bank of Northeast Missouri Palmyra Branch	1.41%	$500	-	Learn More Add Review
Country Club Bank Drive-In Facility Branch	1.41%	$50,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Commercial Trust Company of Fayette Commercial Trust Company - Harrisbur Branch	1.41%	$100,000	-	Learn More Add Review
Montrose Savings Bank Montrose Savings Bank Branch	1.41%	$500	-	Learn More Add Review
Bank Northwest Polo Branch	1.40%	$10,000	-	Learn More Add Review
Freedom Bank of Southern Missouri Freedom Bank Of Southern Missouri Branch	1.40%	$10,000	-	Learn More Add Review
St. Louis Bank St. Louis Bank Branch	1.35%	$10,000	-	Learn More Add Review
Community State Bank Clarence Branch	1.31%	$100,000	-	Learn More Add Review
Country Club Bank Drive-In Facility Branch	1.31%	$10,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Bank of Springfield Bos - Brentwood Banking Center Branch	1.31%	$10,000	-	Learn More Add Review
Bank of Crocker Richland Branch	1.30%	$2,500	-	Learn More Add Review
Chesapeake Bank	1.30%	$1,000	-	Learn More Add Review
Rate History: 1.05% → 1.30%
ruler009 \| May 26, 2017 Before009 Read More
Citizens Bank of Newburg Doolittle Facility Branch	1.29%	$10,000	-	Learn More Add Review
Community State Bank of Missouri Community State Bank Of Missouri Branch	1.26%	$500	-	Learn More Add Review
O'Bannon Banking Company Strafford Branch	1.26%	$1,000	-	Learn More
Jay \| Dec 8, 2016 Not a handicap friendly bank at main office. Customers must walk long distance to reach teller windows far from entrance. CD rates could be improved. Putman County Bank has 1 percent better on larger... Read More Reviews (1)
Putnam County State Bank Putnam County State Bank Branch	1.26%	$10,000	-	Learn More Add Review
Bank of Monticello Kahoka Branch	1.26%	$10,000	-	Learn More Add Review
Peoples Bank of Wyaconda, Missouri Washington Street Branch	1.26%	$10,000	-	Learn More Add Review
F&M Bank and Trust Company F&M Bank And Trust Company Branch	1.26%	$10,000	-	Learn More Add Review
Commercial Trust Company of Fayette Commercial Trust Company - Harrisbur Branch	1.26%	$10,000	-	Learn More Add Review
Alton Bank Alton Bank Branch	1.26%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
NEW FRONTIER BANK Elm Branch	1.25%	$10,000	-	Learn More Add Review
MRV Banks Mrv Banks Branch	1.25%	$10,000	-	Learn More Add Review
People's Bank of Seneca Loma Linda Branch	1.25%	$10,000	-	Learn More Add Review
West Plains Savings and Loan Association West Plains Savings And Loan Associa Branch	1.25%	$10,000	-	Learn More Add Review
Citizens' Bank of Charleston Citizens Bank Branch	1.21%	$100,000	-	Learn More Add Review
Regional Missouri Bank Glasgow Savings Bank Branch	1.21%	$100,000	-	Learn More Add Review
Peoples National Bank , N.A. Clayton Branch	1.21%	$100,000	-	Learn More Add Review
Security Bank of the Ozarks Winona Branch	1.21%	$10,000	-	Learn More Add Review
Alliant Bank Monroe City Branch	1.20%	$500	-	Learn More Add Review
Heritage Community Bank Heritage Community Bank Branch	1.20%	$1,000	-	Learn More Add Review
The Bank of Orrick Highway Z Branch	1.20%	$10,000	-	Learn More
bankalchemist \| May 29, 2018 First this is a centurion bank. It’s done something right for over 100 yrs. Through the Great Depression & Recent Recessions which says a lot. They stick to what they know and do best Ag lending. They ar... Read More Reviews (1)
Citizens Community Bank Missouri Citizens Community Bank (Boon Branch	1.20%	$10,000	-	Learn More Add Review
American Bank of Missouri Warrenton Branch	1.20%	$10,000	-	Learn More
Gloria Bossman \| Aug 14, 2020 At your Rock Hill location, I feel you are not committed to the safety of your customers as you say on your web site. Why aren't your employees wearing masks? Why do they let patrons enter without a mask... Read More Reviews (1)
The Citizens-Farmers Bank of Cole Camp Stover Banking Center Branch	1.20%	$10,000	-	Learn More Add Review
Sterling Bank Van Buren Branch	1.20%	$10,000	-	Learn More
Al \| Sep 26, 2016 I think the specials have ended. can you double check? Read More Reviews (1)
Tri-County Trust Company Tri-County Trust Company Branch	1.16%	$10,000	-	Learn More Add Review
Progressive Ozark Bank Progressive Ozark Bank Branch	1.16%	$10,000	-	Learn More Add Review
Branson Bank Branson Branch	1.16%	$10,000	-	Learn More Add Review
First State Bank of Purdy First State Bank Of Purdy Branch	1.16%	$10,000	-	Learn More Add Review
Farmers Bank of Northern Missouri Mercer Branch	1.15%	$10,000	-	Learn More Add Review
BTC Bank Chillicothe Branch	1.15%	$10,000	-	Learn More Add Review
United Community Bank	1.15%	$10,000	-	Learn More Add Review
Oakstar Bank Oakstar Bank Branch	1.15%	$10,000	-	Learn More
J D \| Jun 12, 2024 I entrusted my Life Savings to this bank and they closed my accounts because I asked an honest question about an overcharge I noticed in my statement records. I mistakenly believed I could ask a simple ... Read More Reviews (1)
First Mid Bank & Trust, National Association Clayton Branch	1.15%	$1,000	-	Learn More Add Review
Farmers State Bank, S/B Pittsburg Branch	1.15%	$10,000	-	Learn More Add Review
Bank of Salem Bank Of Salem Drive-In Branch	1.15%	$100,000	-	Learn More Add Review
Century Bank of the Ozarks Theodosia Facility Branch	1.11%	$1,000	-	Learn More Add Review
Peoples Savings Bank of Rhineland New Florence Branch	1.11%	$1,000	-	Learn More Add Review
Peoples Bank & Trust Co. Hawk Point Branch	1.11%	$10,000	-	Learn More Add Review
Bank of Franklin County Bank Of Franklin County Branch	1.11%	$10,000	-	Learn More Add Review
Community Point Bank Eugene Branch	1.11%	$10,000	-	Learn More Add Review
Peoples National Bank , N.A. Clayton Branch	1.11%	$10,000	-	Learn More Add Review
Citizens' Bank of Charleston Citizens Bank Branch	1.10%	$1,000	-	Learn More Add Review
Wells Bank Wells Bank Branch	1.10%	$10,000	-	Learn More Add Review
Macon-Atlanta State Bank Macon-Atlanta State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Bank 21 Bank 21 Branch	1.10%	$10,000	-	Learn More Add Review
Blue Ridge Bank and Trust Co. Woods Chapel Branch	1.10%	$10,000	-	Learn More
Rustam \| Jul 23, 2022 Is American Trust Letter this bank's service platform or scammers' website? I was charged by first 150 USD, then 10% to withdraw money there. Website is www.americantrustletter.com Read More Reviews (1)
Community Bank of Marshall Community Bank Of Marshall Branch	1.10%	$10,000	-	Learn More Add Review
Southern Bank Www.Bankwithsouthern.com Branch	1.10%	$100,000	-	Learn More Add Review
Southwest Missouri Bank Stone's Corner Branch	1.10%	$10,000	-	Learn More Add Review
HomePride Bank Fordland Branch	1.10%	$500	-	Learn More Add Review
The Seymour Bank Rogersville Branch	1.10%	$10,000	-	Learn More Add Review
Table Rock Community Bank Table Rock Community Bank Branch	1.10%	$10,000	-	Learn More Add Review
West Plains Bank and Trust Company Mountain View Branch	1.10%	$100,000	-	Learn More Add Review
Senath State Bank Drive-In Branch	1.10%	$10,000	-	Learn More Add Review
Community State Bank Clarence Branch	1.06%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Mound City Branch	1.05%	$100,000	-	Learn More Add Review
Regional Missouri Bank Glasgow Savings Bank Branch	1.05%	$10,000	-	Learn More Add Review
The Bank of Old Monroe O'fallon Branch	1.05%	$10,000	-	Learn More Add Review
Community National Bank & Trust	1.05%	$1,000	-	Learn More Add Review
Regent Bank	1.05%	$10,000	-	Learn More
Jw \| Jun 27, 2022 It took 4 times contacting this back to get a simple stop payment done. It end up costing over $100 because of their inability to take care of it after the first contact. Read More Reviews (1)
Bank of Salem Bank Of Salem Drive-In Branch	1.05%	$1,000	-	Learn More Add Review
West Plains Bank and Trust Company Mountain View Branch	1.05%	$10,000	-	Learn More Add Review
The Missouri Bank Bay Branch	1.01%	$10,000	-	Learn More Add Review
BMO Bank National Association Crestwood Branch	1.00%	$1,000	-	Learn More
Rate History: 0.25% → 1.35% → 4.00% → 1.35% → 1.00%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Bank of Weston Bank Of Weston Branch	1.00%	$1	-	Learn More Add Review
Carroll County Trust Company of Carrollton, Missouri Carroll County Trust Company Of Carrollton, Missouri Branch	1.00%	$500	-	Learn More Add Review
HNB National Bank Monroe City Branch	1.00%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
First Security Bank First Security Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Hamilton Bank Breckenridge Facility Branch	1.00%	$100,000	-	Learn More
Petros Achilleos \| Mar 29, 2022 Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More Reviews (1)
Ozarks Federal Savings and Loan Association 643 North Creek Drive Branch	1.00%	$10,000	-	Learn More Add Review
America's Community Bank America's Community Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Bank of Advance Bell City Branch (Drive-In)	1.00%	$10,000	-	Learn More Add Review
1st Advantage Bank 1st Advantage Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Maries County Bank First State Bank Of St. Robert Branc Branch	1.00%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of St. Clair Eureka Branch	1.00%	$10,000	-	Learn More Add Review
Triad Bank Triad Bank Branch	1.00%	$10,000	-	Learn More Add Review
Southern Bank Www.Bankwithsouthern.com Branch	1.00%	$10,000	-	Learn More Add Review
Peoples Community Bank Bunker Branch	1.00%	$10,000	-	Learn More Add Review
The Callaway Bank Steedman-Mokane Branch	0.99%	$100,000	-	Learn More Add Review
The Nodaway Valley Bank The Nodaway Valley Bank Branch	0.95%	$500	-	Learn More Add Review
Farmers State Bank St. Joe Belt Branch	0.95%	$100	-	Learn More Add Review
United Security Bank Auxvasse Branch	0.95%	$10,000	-	Learn More Add Review
Midland States Bank Midland States Bank Branch	0.95%	$10,000	-	Learn More
Mikki9678 \| Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More Reviews (2)
Bank of Iberia Waynesville Branch	0.95%	$10,000	-	Learn More Add Review
Stifel Bank The Business Bank Of Saint Louis Branch	0.95%	$10,000	-	Learn More Add Review
Town & Country Bank Rolla Branch	0.95%	$10,000	-	Learn More Add Review
Community First Banking Company Mountain Grove Branch	0.95%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Mound City Branch	0.90%	$10,000	-	Learn More Add Review
United State Bank F&M Bank And Trust Company Branch	0.90%	$10,000	-	Learn More Add Review
HomeBank West Quincy Branch	0.90%	$10,000	-	Learn More Add Review
Community Bank of Missouri Community Bank Of Missouri Branch	0.90%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company Troost Avenue Office Branch	0.90%	$10,000	-	Learn More Add Review
The Corner Stone Bank Nw Corner Branch	0.90%	$10,000	-	Learn More Add Review
The Callaway Bank Steedman-Mokane Branch	0.89%	$10,000	-	Learn More Add Review
Pony Express Bank Pony Express Bank Branch	0.85%	$10,000	-	Learn More Add Review
Bank of New Cambria Bank Of New Cambria Branch	0.85%	$10,000	-	Learn More Add Review
Lead Bank Lead Bank Branch	0.85%	$10,000	-	Learn More Add Review
First State Bank of St. Charles, Missouri Lake St. Louis Facility Branch	0.85%	$10,000	-	Learn More Add Review
Lamar Bank and Trust Company Lamar Bank And Trust Company Branch	0.85%	$10,000	-	Learn More Add Review
Ozark Bank Drive-In Branch	0.85%	$10,000	-	Learn More Add Review
First Midwest Bank of Poplar Bluff First Midwest Bank Of Poplar Bluff Branch	0.85%	$10,000	-	Learn More Add Review
First Missouri State Bank Fisk Facility Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Brookfield - Purdin, National Association Purdin Branch	0.80%	$500	-	Learn More Add Review
NBH Bank Liberty Branch # 12	0.80%	$10,000	-	Learn More Add Review
Academy Bank, National Association Academy Bank, National Association Branch	0.80%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
The Hamilton Bank Breckenridge Facility Branch	0.80%	$10,000	-	Learn More
Petros Achilleos \| Mar 29, 2022 Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More Reviews (1)
First Missouri Bank Eagleville Branch	0.80%	$10,000	-	Learn More Add Review
Wood & Huston Bank Wood & Huston Bank - Wal Mart Branch	0.80%	$1,000	-	Learn More Add Review
First Midwest Bank of Poplar Bluff First Midwest Bank Of Poplar Bluff Branch	0.80%	$10,000	-	Learn More Add Review
Edward Jones Trust Company Edward Jones Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
Investors Community Bank Investors Community Bank Branch	0.75%	$10,000	-	Learn More Add Review
F & C Bank Kingsville Branch	0.75%	$50,000	-	Learn More Add Review
Farmers Bank of Lohman, Missouri Farmers Bank Of Lohman, Missouri Branch	0.75%	$500	-	Learn More Add Review
Peoples Bank of Moniteau County Peoples Bank Of Moniteau County Branch	0.75%	$500	-	Learn More Add Review
Central Bank of Kansas City Drive-In Branch	0.75%	$10,000	-	Learn More Add Review
The Tipton Latham Bank, National Association Latham Facility Branch	0.75%	$10,000	-	Learn More Add Review
Jonesburg State Bank Warrenton Branch	0.75%	$10,000	-	Learn More Add Review
Midwest BankCentre South Broadway Branch	0.75%	$10,000	-	Learn More
Pdrake12 \| Jul 6, 2021 The staff at Midwest BankCentre is exceptional at making you feel like you belong to an institution much higher than simply a place to keep your money and bank. They really focus on making you feel like f... Read More Reviews (2)
Mid-Missouri Bank Republic Branch	0.75%	$10,000	-	Learn More Add Review
First Community Bank Bank Of Jane Branch	0.75%	$10,000	-	Learn More Add Review
First Midwest Bank of Dexter Sikeston Branch	0.75%	$10,000	-	Learn More Add Review
First Missouri Bank of SEMO Clarkton Facility Branch	0.75%	$10,000	-	Learn More Add Review
Bank of New Madrid Lilbourn Branch	0.75%	$10,000	-	Learn More Add Review
IncredibleBank	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.25% → 4.32% → 0.75% → 3.03% → 0.75%
nonsense \| May 21, 2021 avoid this Read More
HNB National Bank Monroe City Branch	0.70%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
First Missouri Bank Eagleville Branch	0.70%	$10,000	-	Learn More Add Review
Goppert Financial Bank Pleasant Hill Branch	0.70%	$10,000	-	Learn More Add Review
Mid America Bank Belle Branch	0.70%	$10,000	-	Learn More Add Review
First Community National Bank Vienna Branch	0.70%	$10,000	-	Learn More Add Review
Metz Banking Company Metz Banking Company - Metz Branch	0.70%	$1,000	-	Learn More Add Review
Community Bank of El Dorado Springs Community Bank Of El Dorado Springs Branch	0.70%	$10,000	-	Learn More Add Review
Omb Bank West Sunshine Branch	0.70%	$1,000	-	Learn More Add Review
Great Southern Bank Greenview Branch	0.65%	$250	-	Learn More Add Review
CIBC Bank USA Chesterfield Branch	0.65%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
First State Bank and Trust Company, Inc. Hayti Branch	0.65%	$10,000	-	Learn More Add Review
F & C Bank Kingsville Branch	0.60%	$2,500	-	Learn More Add Review
The Central Trust Bank New Bloomfield Branch	0.60%	$100,000	-	Learn More Add Review
Kearney Trust Company Kearney Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
CIBC Bank USA Chesterfield Branch	0.60%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Armed Forces Bank, National Association Fort Leonard Wood Px Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Kennett Trust Bank Kennett Trust Bank Branch	0.60%	$10,000	-	Learn More Add Review
The Central Trust Bank New Bloomfield Branch	0.55%	$1,000	-	Learn More Add Review
County Bank Moberly Branch	0.55%	$10,000	-	Learn More Add Review
MutualOne Bank	0.55%	$0	-	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Peoples Bank Main Office - Franklin Street Branch	0.53%	$100,000	-	Learn More Add Review
Clay County Savings Bank North Brighton Avenue Branch	0.51%	$100,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
First Bank Warson Woods Branch	0.50%	$1,000	-	Learn More Add Review
NBKC Bank Ash Avenue Branch	0.50%	$1	-	Learn More Add Review
TPNB Bank Tpnb Bank Branch	0.50%	$10,000	-	Learn More Add Review
St. Johns Bank and Trust Company St. Johns Bank And Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Carrollton Bank Clayton Mo Branch	0.50%	$10,000	-	Learn More Add Review
Legacy Bank & Trust Company The Citizens Bank Of Sparta Branch	0.50%	$10,000	-	Learn More Add Review
Midwest Regional Bank Midwest Regional Bank Branch	0.50%	$1,000	-	Learn More
Hey Man wildwood \| Aug 31, 2018 Awesome bank...great rates, no on line access only paper quarterly statements Read More Reviews (1)
The First National Bank of Nevada, Missouri The First National Bank Of Nevada, Missouri Branch	0.50%	$10,000	-	Learn More Add Review
First Midwest Bank of Dexter Sikeston Branch	0.50%	$10,000	-	Learn More Add Review
Hawthorn Bank St. Robert Branch	0.45%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
Peoples Bank Main Office - Franklin Street Branch	0.43%	$10,000	-	Learn More Add Review
Clay County Savings Bank North Brighton Avenue Branch	0.41%	$10,000	-	Learn More Add Review
The Bank of Versailles Laurie Banking Branch	0.40%	$10,000	-	Learn More Add Review
Peoples Bank of Altenburg Peoples Bank Of Altenburg Branch	0.40%	$10,000	-	Learn More Add Review
U.S. Bank National Association Armour Branch	0.40% 0.25%	$1,000 $500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
UMB Bank, National Association Winghaven Branch	0.35%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
County Bank Moberly Branch	0.35%	$10,000	-	Learn More Add Review
Commerce Bank 36th & Frederick Branch	0.30%	$10,000	-	Learn More Add Review
Equity Bank Sedalia Branch 60	0.25%	$1,000	-	Learn More Add Review
WebBank	0.25%	$2,500	-	Learn More
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Banterra Bank Cape - 4500 Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Hawthorn Bank St. Robert Branch	0.20%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
Rate History: 0.15% → 0.01% → 0.15%
Cass Commercial Bank Rudder Road Branch	0.15%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company Kansas City Branch	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Regions Bank Glendale Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
PNC Bank, National Association Kennerly Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association One Kansas City Place Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
First Bank of the Lake First Bank Of The Lake Branch	4558 Osage Beach Parkway Suite 100	Osage Beach	MO
Security Bank of Kansas City Ward Parkway Branch	8520 Ward Parkway	Kansas City	MO
SULLIVAN BANK Cuba Branch	700 North Franklin	Cuba	MO
Phelps County Bank Drive-In Facility Branch	Highway 72 And Salem Avenue	Rolla	MO
The Bank of Missouri Caruthersville Branch	713 Ward Avenue	Caruthersville	MO
Montgomery Bank Montgomery Bank, National Association Branch	One Montgomery Bank Plaza	Sikeston	MO
FCB Banks Tesson Ferry Road Branch	12000 Tesson Ferry Road	Saint Louis	MO
First Federal Bank of Kansas City 9330 East Gregory Blvd Branch	9330 East Gregory Boulevard	Raytown	MO
Capitol Federal Savings Bank Embassy Plaza Branch	5821 Nw Barry Rd	Kansas City	MO
Paramount Bank Paramount Bank Branch	90 Village Square Shopping Center	Hazelwood	MO
BOKF, National Association Brookside Branch	7 West 62nd Terrace	Kansas City	MO
Arlo Bank Systematic Savings Bank Branch	318 South Ave	Springfield	MO
State Bank of Missouri Grain Valley Branch	715 Main	Grain Valley	MO
Citizens Bank Cleveland Branch	306 East Main Street	Cleveland	MO
Independent Farmers Bank King City Branch	206 North Connecticut	King City	MO
Putnam County State Bank Putnam County State Bank Branch	1522 Main Street	Unionville	MO
FMB Bank Fmb Bank Branch	100 Veterans Memorial Parkway	Wright City	MO
Adrian Bank 302 S.W. Outer Road Branch	302 S. W. Outer Road	Archie	MO
Commercial Bank Chesterfield Branch	703 Long Road Crossing Drive	Chesterfield	MO
Guaranty Bank Springfield First Community Bank Branch	2006 South Glenstone Avenue	Springfield	MO
Alton Bank Alton Bank Branch	520 Broadway St	Alton	MO
Great American Bank Kansas City Branch	3901 Main Street	Kansas City	MO
United Bank of Union Union Branch	210 Highway 50 West	Union	MO
Bank of Monticello Kahoka Branch	180 South Johnson Street	Kahoka	MO
Silex Banking Company Silex Banking Company Branch	20 S 2nd St	Silex	MO
Community First Bank Community First Bank Branch	915 West Fort Scott Street	Butler	MO
Exchange Bank of Northeast Missouri Palmyra Branch	423 Elizabeth Avenue	Palmyra	MO
Country Club Bank Drive-In Facility Branch	4343 Belleview Avenue	Kansas City	MO
Commercial Trust Company of Fayette Commercial Trust Company - Harrisbur Branch	180 West Sexton Road	Harrisburg	MO
Montrose Savings Bank Montrose Savings Bank Branch	401 Missouri Avenue	Montrose	MO
Bank Northwest Polo Branch	Highways 13 And 116	Polo	MO
Freedom Bank of Southern Missouri Freedom Bank Of Southern Missouri Branch	Southeast Corner Of Highway 37 And Doc Meyer Road	Seligman	MO
St. Louis Bank St. Louis Bank Branch	14323 S. Outer 40 Rd	Town And Country	MO
Community State Bank Clarence Branch	300 East Hazel	Clarence	MO
Country Club Bank Drive-In Facility Branch	4343 Belleview Avenue	Kansas City	MO
Bank of Springfield Bos - Brentwood Banking Center Branch	1709 S. Brentwood Boulevard	Brentwood	MO
Bank of Crocker Richland Branch	502 Washington	Richland	MO
Citizens Bank of the Midwest Doolittle Facility Branch	Interstate 44 And Route T	Doolittle	MO
Community State Bank of Missouri Community State Bank Of Missouri Branch	117 West Church Street	Bowling Green	MO
O'Bannon Banking Company Strafford Branch	201 S. State Hwy 125	Strafford	MO
Putnam County State Bank Putnam County State Bank Branch	1522 Main Street	Unionville	MO
Bank of Monticello Kahoka Branch	180 South Johnson Street	Kahoka	MO
Peoples Bank of Wyaconda, Missouri Washington Street Branch	600 Washington Street	Canton	MO
F&M Bank and Trust Company F&M Bank And Trust Company Branch	902 Highway 24 And 36 E	Monroe City	MO
Commercial Trust Company of Fayette Commercial Trust Company - Harrisbur Branch	180 West Sexton Road	Harrisburg	MO
Alton Bank Alton Bank Branch	520 Broadway St	Alton	MO
NEW FRONTIER BANK Elm Branch	3773 Elm Street	Saint Charles	MO
MRV Banks Mrv Banks Branch	871 Ste. Genevieve Drive	Sainte Genevieve	MO
People's Bank of Seneca Loma Linda Branch	5034 Highway 43	Joplin	MO
West Plains Savings and Loan Association West Plains Savings And Loan Associa Branch	417 West Broadway Street	West Plains	MO
Citizens' Bank of Charleston Citizens Bank Branch	722 North Martin Street	East Prairie	MO
Regional Missouri Bank Glasgow Savings Bank Branch	601 First Street	Glasgow	MO
Peoples National Bank , N.A. Clayton Branch	101 South Hanley Road	Saint Louis	MO
Security Bank of the Ozarks Winona Branch	105 Highway 19 North	Winona	MO
Alliant Bank Monroe City Branch	921 Highway 24 And 36 East	Monroe City	MO
Heritage Community Bank Heritage Community Bank Branch	First And Main	Chamois	MO
TBO Bank Highway Z Branch	600 Highway Z	Orrick	MO
Citizens Community Bank Missouri Citizens Community Bank (Boon Branch	500 Jackson Rd	Boonville	MO
American Bank of Freedom Warrenton Branch	917 North Outer Road	Warrenton	MO
The Citizens-Farmers Bank of Cole Camp Stover Banking Center Branch	606 West 4th	Stover	MO
Sterling Bank Van Buren Branch	702 Main Street	Van Buren	MO
Tri-County Trust Company Tri-County Trust Company Branch	103 Commerce Street	Glasgow	MO
Progressive Ozark Bank Progressive Ozark Bank Branch	904 W Scenic Rivers Blvd	Salem	MO
Branson Bank Branson Branch	3285 Falls Parkway	Branson	MO
First State Bank of Purdy First State Bank Of Purdy Branch	Highway C And Kay Avenue	Purdy	MO
Farmers Bank of Northern Missouri Mercer Branch	State And Main Streets	Mercer	MO
BTC Bank Chillicothe Branch	400 West Old Highway 36	Chillicothe	MO
Oakstar Bank Oakstar Bank Branch	1020 East Battlefield Road	Springfield	MO
First Mid Bank & Trust, National Association Clayton Branch	225 S. Meramec Ave, Suite 302	Clayton	MO
Grand Missouri Bank Pittsburg Branch	Hc 79, Box 1101, State Route 64	Pittsburg	MO
Bank of Salem Bank Of Salem Drive-In Branch	1001 South Main Street	Salem	MO
Century Bank of the Ozarks Theodosia Facility Branch	6151 Us Highway 160	Theodosia	MO
Peoples Savings Bank New Florence Branch	514 Picnic Street	New Florence	MO
Peoples Bank & Trust Co. Hawk Point Branch	65 S Hwy 47	Hawk Point	MO
Bank of Franklin County Bank Of Franklin County Branch	900 East Eighth Street	Washington	MO
Community Point Bank Eugene Branch	14112 Redfield Drive	Eugene	MO
Peoples National Bank , N.A. Clayton Branch	101 South Hanley Road	Saint Louis	MO
Citizens' Bank of Charleston Citizens Bank Branch	722 North Martin Street	East Prairie	MO
Connections Bank Wells Bank Branch	Third And Main Streets	Platte City	MO
MA Bank Macon-Atlanta State Bank Branch	1513 North Missouri Street	Macon	MO
Bank 21 Bank 21 Branch	One West Washington Avenue	Carrollton	MO
Blue Ridge Bank and Trust Co. Woods Chapel Branch	651 N.E. Woods Chapel Road	Lees Summit	MO
Community Bank of Marshall Community Bank Of Marshall Branch	811 W. College St.	Marshall	MO
Southern Bank Www.Bankwithsouthern.com Branch	2991 Oak Grove Road	Poplar Bluff	MO
Southwest Missouri Bank Stone's Corner Branch	5935 North Main Street	Joplin	MO
HomePride Bank Fordland Branch	437 West Sunset Street	Fordland	MO
The Seymour Bank Rogersville Branch	110 Dempsey Drive	Rogersville	MO
Table Rock Community Bank Table Rock Community Bank Branch	1 Wildwood Lane	Kimberling City	MO
West Plains Bank and Trust Company Mountain View Branch	607 North Elm	Mountain View	MO
Senath State Bank Drive-In Branch	202 North East Frisco Street	Arbyrd	MO
Community State Bank Clarence Branch	300 East Hazel	Clarence	MO
Citizens Bank & Trust Mound City Branch	904 State Street	Mound City	MO
Regional Missouri Bank Glasgow Savings Bank Branch	601 First Street	Glasgow	MO
The Bank of Old Monroe O'fallon Branch	401 T.R. Hughes Boulevard	O Fallon	MO
Bank of Salem Bank Of Salem Drive-In Branch	1001 South Main Street	Salem	MO
West Plains Bank and Trust Company Mountain View Branch	607 North Elm	Mountain View	MO
The Missouri Bank Bay Branch	2439 Highway K	Hermann	MO
BMO Bank National Association Crestwood Branch	9206 Watson Road	Crestwood	MO
Bank of Weston Bank Of Weston Branch	8800 Northwest 112th Street	Kansas City	MO
Carroll County Trust Company of Carrollton, Missouri Carroll County Trust Company Of Carrollton, Missouri Branch	2 South Folger	Carrollton	MO
HNB National Bank Monroe City Branch	1120 Highway 24 And 36 East	Monroe City	MO
First Security Bank First Security Bank Branch	Fourth And Cedar	Union Star	MO
The Hamilton Bank Breckenridge Facility Branch	190 South 7th Street	Breckenridge	MO
Ozarks Federal Savings and Loan Association 643 North Creek Drive Branch	643 North Creek Drive	Festus	MO
America's Community Bank America's Community Bank Branch	1100 West Main Street	Blue Springs	MO
The Bank of Advance Bell City Branch (Drive-In)	25021 Walnut	Bell City	MO
1st Advantage Bank 1st Advantage Bank Branch	240 Salt Lick Road	Saint Peters	MO
The Maries County Bank First State Bank Of St. Robert Branc Branch	926 Old Route 66	Saint Robert	MO
Farmers and Merchants Bank of St. Clair Eureka Branch	619 Stockell Drive	Eureka	MO
Triad Bank Triad Bank Branch	10375 Clayton Road	Frontenac	MO
Southern Bank Www.Bankwithsouthern.com Branch	2991 Oak Grove Road	Poplar Bluff	MO
Peoples Community Bank Bunker Branch	State Highway 72 And 4th Street	Bunker	MO
The Callaway Bank Steedman-Mokane Branch	10393 State Highway C	Mokane	MO
The Nodaway Valley Bank The Nodaway Valley Bank Branch	Third And Main Streets	Maryville	MO
Farmers State Bank St. Joe Belt Branch	2211 N Belt Hwy	Saint Joseph	MO
United Security Bank Auxvasse Branch	100 West Main Street	Auxvasse	MO
Midland States Bank Midland States Bank Branch	One Mcknight Place	Saint Louis	MO
Bank of Iberia Waynesville Branch	201 Cash-James Loop	Waynesville	MO
Stifel Bank The Business Bank Of Saint Louis Branch	8000 Maryland Avenue	Clayton	MO
Town & Country Bank Rolla Branch	910 South Bishop	Rolla	MO
Community First Banking Company Mountain Grove Branch	603 N Main	Mountain Grove	MO
Citizens Bank & Trust Mound City Branch	904 State Street	Mound City	MO
United State Bank F&M Bank And Trust Company Branch	201 N Main St	Palmyra	MO
HomeBank West Quincy Branch	Highway 24	West Quincy	MO
Community Bank of Missouri Community Bank Of Missouri Branch	904 Walton Way	Richmond	MO
Liberty Bank and Trust Company Troost Avenue Office Branch	4701 Troost Avenue	Kansas City	MO
The Corner Stone Bank Nw Corner Branch	Seneca Street And Highway 76	Tiff City	MO
The Callaway Bank Steedman-Mokane Branch	10393 State Highway C	Mokane	MO
Pony Express Bank Pony Express Bank Branch	213 Main St	Braymer	MO
Bank of New Cambria Bank Of New Cambria Branch	200 S. Main St.	New Cambria	MO
Lead Bank Lead Bank Branch	D And 3rd Streets	Garden City	MO
First State Bank of St. Charles, Missouri Lake St. Louis Facility Branch	3461 Technology Drive	Lake Saint Louis	MO
Lamar Bank and Trust Company Lamar Bank And Trust Company Branch	1000 Broadway	Lamar	MO
Ozark Bank Drive-In Branch	State Highway 14	Ozark	MO
First Midwest Bank of the Ozarks First Midwest Bank Of Poplar Bluff Branch	704-706 Highway 67 North	Poplar Bluff	MO
First Missouri State Bank Fisk Facility Branch	Second And Dale Streets	Fisk	MO
Bank of Brookfield - Purdin, National Association Purdin Branch	C And Third Streets	Purdin	MO
NBH Bank Liberty Branch # 12	950 Sutton Place	Liberty	MO
Academy Bank, National Association Academy Bank, National Association Branch	8551 N Boardwalk Avenue	Kansas City	MO
The Hamilton Bank Breckenridge Facility Branch	190 South 7th Street	Breckenridge	MO
Verimore Bank Eagleville Branch	16023 Locust Street	Eagleville	MO
Wood & Huston Bank Wood & Huston Bank - Wal Mart Branch	855 South Cherokee	Marshall	MO
First Midwest Bank of the Ozarks First Midwest Bank Of Poplar Bluff Branch	704-706 Highway 67 North	Poplar Bluff	MO
Edward Jones Trust Company Edward Jones Trust Company Branch	12555 Manchester Road	Saint Louis	MO
Investors Community Bank Investors Community Bank Branch	522 Washington Street	Chillicothe	MO
F & C Bank Kingsville Branch	Walnut Street And Pacific Avenue	Kingsville	MO
Farmers Bank of Lohman, Missouri Farmers Bank Of Lohman, Missouri Branch	2903 Main Street	Lohman	MO
Peoples Bank of Moniteau County Peoples Bank Of Moniteau County Branch	201 East Main Street	California	MO
Central Bank of Kansas City Drive-In Branch	3740 Truman Road	Kansas City	MO
The Tipton Latham Bank, National Association Latham Facility Branch	173 South Highway E	Latham	MO
Jonesburg State Bank Warrenton Branch	508 North Highway 47	Warrenton	MO
Midwest BankCentre South Broadway Branch	7201 South Broadway	St. Louis	MO
Mid-Missouri Bank Republic Branch	806 E. Hines St.	Republic	MO
First Community Bank Bank Of Jane Branch	56 Wright Hill Lane	Pineville	MO
First Midwest Bank of Dexter Sikeston Branch	630 North Main	Sikeston	MO
First Missouri Bank of SEMO Clarkton Facility Branch	109 West State Highway 162	Clarkton	MO
Bank of New Madrid Lilbourn Branch	Third And Dawson Streets	Lilbourn	MO
HNB National Bank Monroe City Branch	1120 Highway 24 And 36 East	Monroe City	MO
Verimore Bank Eagleville Branch	16023 Locust Street	Eagleville	MO
Goppert Financial Bank Pleasant Hill Branch	2100 North State Route 7	Pleasant Hill	MO
Mid America Bank Belle Branch	P.O. Box 727	Belle	MO
FCNB Bank Vienna Branch	Highway 63 South	Vienna	MO
Metz Banking Company Metz Banking Company - Metz Branch	184 S Main Street	Metz	MO
Community Bank of El Dorado Springs Community Bank Of El Dorado Springs Branch	Highway 54 And Main Street	El Dorado Springs	MO
Omb Bank West Sunshine Branch	1535 West Sunshine	Springfield	MO
Great Southern Bank Greenview Branch	State Highways 5 And 7	Camdenton	MO
CIBC Bank USA Chesterfield Branch	500 Chesterfield Center Drive	Chesterfield	MO
First State Bank and Trust Company, Inc. Hayti Branch	805 East Washington	Hayti	MO
F & C Bank Kingsville Branch	Walnut Street And Pacific Avenue	Kingsville	MO
The Central Trust Bank New Bloomfield Branch	100 State Road Ae	New Bloomfield	MO
Kearney Trust Company Kearney Trust Company Branch	310 West 92 Highway	Kearney	MO
CIBC Bank USA Chesterfield Branch	500 Chesterfield Center Drive	Chesterfield	MO
Armed Forces Bank, National Association Fort Leonard Wood Px Branch	Building 490	Fort Leonard Wood	MO
Kennett Trust Bank Kennett Trust Bank Branch	805 First Street	Kennett	MO
The Central Trust Bank New Bloomfield Branch	100 State Road Ae	New Bloomfield	MO
County Bank Moberly Branch	1615 North Morley Street	Moberly	MO
Peoples Bank Main Office - Franklin Street Branch	701 N. Franklin Street	Cuba	MO
Clay County Savings Bank North Brighton Avenue Branch	8140 North Brighton Avenue	Kansas City	MO
First Bank Warson Woods Branch	9901 Manchester	Saint Louis	MO
NBKC Bank Ash Avenue Branch	9750 North Ash Avenue	Kansas City	MO
TPNB Bank Tpnb Bank Branch	118 North Main Street	Paris	MO
St. Johns Bank and Trust Company St. Johns Bank And Trust Company Branch	8924 St. Charles Rock Road	Saint Louis	MO
Carrollton Bank Clayton Mo Branch	7911 Forsyth Boulevard	Clayton	MO
Legacy Bank & Trust Company The Citizens Bank Of Sparta Branch	7509 State Highway 14 East	Sparta	MO
Midwest Regional Bank Midwest Regional Bank Branch	363 Festus Centre Drive	Festus	MO
The First National Bank of Nevada, Missouri The First National Bank Of Nevada, Missouri Branch	100 W. Walnut St	Nevada	MO
First Midwest Bank of Dexter Sikeston Branch	630 North Main	Sikeston	MO
Hawthorn Bank St. Robert Branch	Missouri Avenue	St. Robert	MO
Peoples Bank Main Office - Franklin Street Branch	701 N. Franklin Street	Cuba	MO
Clay County Savings Bank North Brighton Avenue Branch	8140 North Brighton Avenue	Kansas City	MO
The Bank of Versailles Laurie Banking Branch	100 South Main Street	Gravois Mills	MO
Peoples Bank of Altenburg Peoples Bank Of Altenburg Branch	8537 Main St	Altenburg	MO
U.S. Bank National Association Armour Branch	One West Armour Boulevard	Kansas City	MO
UMB Bank, National Association Winghaven Branch	9957 Winghaven Blvd	O Fallon	MO
County Bank Moberly Branch	1615 North Morley Street	Moberly	MO
Commerce Bank 36th & Frederick Branch	3606 Frederick Avenue	Saint Joseph	MO
Equity Bank Sedalia Branch 60	920 Thompson Boulevard	Sedalia	MO
Banterra Bank Cape - 4500 Branch	1650 North Kingshighway, Suite # 101	Cape Girardeau	MO
U.S. Bank National Association Armour Branch	One West Armour Boulevard	Kansas City	MO
Hawthorn Bank St. Robert Branch	Missouri Avenue	St. Robert	MO
Cass Commercial Bank Rudder Road Branch	1671 Larkin Williams Road	Fenton	MO
First-Citizens Bank & Trust Company Kansas City Branch	2 Emanuel Cleaver Ii Boulevard	Kansas City	MO
Regions Bank Glendale Branch	9994 Manchester Road	Saint Louis	MO
PNC Bank, National Association Kennerly Branch	9914 Kennerly Road	Saint Louis	MO
Bank of America, National Association One Kansas City Place Branch	1200 Main Street	Kansas City	MO
Regions Bank Glendale Branch	9994 Manchester Road	Saint Louis	MO

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

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