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Missouri CD Rates

Below are the best one year CD Rates from banks in Missouri. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

MO - May 3, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Putnam County State Bank 1.26% $100,000 -
Fortunebank 1.12% $1,000 -
Tiaa-cref Trust Company, Fsb 1.01% $1,000 -
Mrv Banks 0.95% $1,000 -
Springfield First Community Bank 0.90% $1,000 -
1st Advantage Bank 0.90% $500 -
First Bank Of The Lake 0.85% $100,000 -
Wood & Huston Bank 0.80% $1,000 -
Academy Bank, National Association 0.75% $500 -
Putnam County State Bank 0.75% $10,000 -
First Missouri State Bank 0.75% $1,000 -
First Bank Of The Lake 0.75% $2,000 -
Armed Forces Bank, National Association 0.75% $500 -
Old Missouri Bank 0.75% $1,000 -
First Midwest Bank Of Dexter 0.75% $1,000 -
Peoples Bank 0.71% $5,000 -
First Midwest Bank Of Dexter 0.70% $1,000 -
Citizens' Bank Of Charleston 0.70% $100,000 -
Bank 21 0.70% $500 -
First Commercial Bank 0.70% $1 -
First Midwest Bank Of Poplar Bluff 0.65% $1,000 -
First State Bank And Trust Company, Inc. 0.65% $1,000 -
Bank Of Monticello 0.65% $100,000 -
Mississippi County Savings And Loan Association 0.65% $1,000 -
The Bank Of Advance 0.65% $1,000 -
Adams Dairy Bank 0.62% $500 -
Summit Bank Of Kansas City 0.61% $1,000 -
Citizens' Bank Of Charleston 0.60% $1,000 -
Sterling Bank 0.60% $1,000 -
The Bank Of Versailles 0.60% $500 -
Community Point Bank 0.60% $250 -
The Citizens-farmers Bank Of Cole Camp 0.60% $1,000 -
First State Community Bank 0.60% $500 -
First Midwest Bank Of The Ozarks 0.60% $1,000 -
Southern Bank 0.60% $100,000 -
The Mercantile Bank Of Louisiana, Missouri 0.60% $100,000 -
Independent Farmers Bank 0.60% $500 -
Freedom Bank Of Southern Missouri 0.60% $1,000 -
National Bank Of Kansas City 0.60% $5,000 -
Quarry City Savings And Loan Association 0.60% $500 -
First State Bank Of Purdy 0.55% $500 -
First Missouri Bank 0.55% $10,000 -
Peoples Bank Of Altenburg 0.55% $500 -
Community State Bank 0.55% $100,000 -
St. Louis Bank 0.55% $100,000 -
People's Bank Of Seneca 0.55% $1,000 -
Commercial Trust Company Of Fayette 0.55% $100,000 -
Montgomery Bank, National Association 0.55% $1,000 -
Oakstar Bank 0.55% $1,000 -
Capaha Bank, Sb 0.55% $10,000 -
The Bank Of Missouri 0.51% $500 -
The Hamilton Bank 0.50% $50,000 -
Btc Bank 0.50% $500 -
The Business Bank Of Saint Louis 0.50% $100,000 -
Bank Of New Madrid 0.50% $500 -
Southern Bank 0.50% $1,000 -
Parkside Financial Bank & Trust 0.50% $100,000 -
Wood & Huston Bank 0.50% $1,000 -
Metz Banking Company 0.50% $1,000 -
Bank Northwest 0.50% $500 -
Homepride Bank 0.50% $500 -
Table Rock Community Bank 0.50% $1,000 -
First National Bank 0.50% $500 -
The Corner Stone Bank 0.50% $1,000 -
The Maries County Bank 0.50% $1,000 -
Peoples Bank Of Moniteau County 0.50% $500 -
Ozarks Federal Savings And Loan Association 0.50% $500 -
Carroll County Trust Company Of Carrollton, Missouri 0.50% $500 -
Peoples Bank Of Wyaconda, Missouri 0.50% $500 -
First State Bank Of St. Charles, Missouri 0.50% $1,000 -
O'bannon Banking Company 0.50% $1,000 -
America's Community Bank 0.50% $500 -
Exchange Bank Of Missouri 0.50% $1,000 -
First Bank Of Missouri 0.50% $500 -
Peoples Community Bank 0.50% $500 -
Farmers State Bank, S/b 0.50% $500 -
Bank Of Odessa 0.50% $1,000 -
American Trust Bank 0.50% $500 -
Community Bank Of El Dorado Springs 0.50% $1,000 -
Great American Bank 0.50% $1,000 -
Cass Commercial Bank 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
Regional Missouri Bank 0.45% $50,000 -
Farmers Bank Of Lincoln 0.45% $50,000 -
Midland States Bank 0.45% $500 -
Citizens Bank & Trust 0.45% $100,000 -
First National Bank 0.45% $1,000 -
Community Bank Of Marshall 0.45% $1,000 -
Bank Of Monticello 0.45% $500 -
Kcb Bank 0.45% $500 -
Enterprise Bank & Trust 0.45% $1,000 -
Mainstreet Bank 0.45% $500 -
Bloomsdale Bank 0.45% $10,000 -
First Collinsville Bank 0.45% $96,000 -
St. Clair County State Bank 0.45% $1,000 -
Community National Bank 0.45% $500 -
Heritage Community Bank 0.45% $1,000 -
The First National Bank Of Nevada, Missouri 0.45% $1,000 -
Triad Bank 0.45% $1,000 -
The Business Bank Of Saint Louis 0.45% $1,000 -
Adrian Bank 0.45% $1,000 -
First Community National Bank 0.45% $10,000 -
The Tipton Latham Bank, National Association 0.45% $500 -
The Bank Of Fairport 0.45% $1,000 -
St. Louis Bank 0.45% $5,000 -
Kennett National Bank 0.45% $500 -
Jefferson Bank And Trust Company 0.45% $500 -
Wood & Huston Bank 0.45% $1,000 -
Bank Of Bolivar 0.45% $500 -
Silex Banking Company 0.42% $1,000 -
Blue Ridge Bank And Trust Co. 0.41% $500 -
Systematic Savings Bank 0.41% $500 -
Community State Bank Of Missouri 0.40% $500 -
The Seymour Bank 0.40% $10,000 -
Community First Bank 0.40% $1,000 -
Eagle Bank And Trust Company Of Missouri 0.40% $500 -
Commercial Trust Company Of Fayette 0.40% $500 -
Central Bank 0.40% $100,000 -
The Hamilton Bank 0.40% $10,000 -
Security Bank 0.40% $500 -
Northeast Missouri State Bank 0.40% $500 -
The Paris National Bank 0.40% $500 -
Ozark Bank 0.40% $1,000 -
Citizens Bank 0.40% $500 -
First Independent Bank 0.40% $500 -
Parkside Financial Bank & Trust 0.40% $10,000 -
Farmers Bank Of Lohman, Missouri 0.40% $25,000 -
Kearney Trust Company 0.40% $10,000 -
Montrose Savings Bank 0.40% $500 -
Bank Of Washington 0.40% $5,000 -
The Union State Bank Of Everest 0.40% $1,000 -
Investors Community Bank 0.40% $10,000 -
Home Exchange Bank 0.40% $100,000 -
Tri-county Trust Company 0.40% $1,000 -
Senath State Bank 0.40% $1,000 -
Regional Missouri Bank 0.40% $1,000 -
Heritage Bank Of The Ozarks 0.40% $1,000 -
The Bank Of Urbana 0.40% $1,000 -
United State Bank 0.40% $1,000 -
Farmers State Bank 0.40% $100 -
Bank Of Hillsboro 0.40% $1,000 -
First National Bank Of Clinton 0.40% $1,000 -
The Mercantile Bank Of Louisiana, Missouri 0.40% $1,000 -
Arvest Bank 0.40% $95,000 -
The Nodaway Valley Bank 0.40% $500 -
The Bank Of Macks Creek 0.40% $500 -
Farmers Bank Of Lincoln 0.40% $1,000 -
Btc Bank 0.40% $500 -
Alton Bank 0.40% $500 -
Peoples Bank & Trust Co. 0.40% $1,000 -
Cbc Bank 0.40% $500 -
First Federal Bank, Fsb 0.40% $50,000 -
Exchange Bank Of Northeast Missouri 0.40% $500 -
First Midwest Bank Of Poplar Bluff 0.40% $1,000 -
Frontenac Bank 0.39% $1,000 -
Royal Banks Of Missouri 0.39% $1,000 -
Town & Country Bank 0.38% $1,000 -
Guaranty Bank 0.37% $1,000 -
Citizens Bank Of Newburg 0.36% $1,000 -
Bank Of Iberia 0.35% $1,000 -
Central Federal Savings And Loan Association Of Rolla 0.35% $500 -
Security Bank Of The Ozarks 0.35% $500 -
Citizens Bank Of Eldon 0.35% $1,000 -
Community Bank, National Association 0.35% $500 -
Farmers Bank Of Lohman, Missouri 0.35% $100 -
Wells Bank Of Platte City 0.35% $1,000 -
Bank Of Crocker 0.35% $2,500 -
Midwest Regional Bank 0.35% $1,000 -
Great Southern Bank 0.35% $250 -
First Collinsville Bank 0.35% $1,000 -
First Home Bank 0.35% $500 -
B&l Bank 0.35% $500 -
F & C Bank 0.35% $50,000 -
The Bank Of Grain Valley 0.35% $1,000 -
American Bank Of Missouri 0.35% $1,000 -
Bank Of Sullivan 0.35% $1,000 -
The Citizens Bank Of Edina 0.35% $1,000 -
Hawthorn Bank 0.35% $1,000 -
The Bank Of Old Monroe 0.35% $1,000 -
Horizon State Bank 0.35% $500 -
Wood & Huston Bank 0.35% $1,000 -
Bank Of Brookfield - Purdin, National Association 0.35% $500 -
United Bank Of Union 0.35% $500 -
First Security Bank 0.35% $500 -
The Privatebank And Trust Company 0.35% $100,000 -
Bank Of Louisiana 0.35% $500 -
Mid America Bank & Trust Company 0.35% $1,000 -
Phelps County Bank 0.35% $1,000 -
Homebank 0.35% $2,500 -
Bank Of St. Elizabeth 0.35% $1,000 -
Carrollton Bank 0.35% $10,000 -
Cnb Bank And Trust, N.a. 0.35% $1,000 -
Bank Of Salem 0.33% $100,000 -
Mercantile Bank 0.32% $1,000 -
Landmark Bank, National Association 0.32% $5,000 -
Southern Missouri Bank Of Marshfield 0.32% $1,000 -
Citizens Community Bank 0.32% $500 -
Alliant Bank 0.31% $500 -
Bear State Bank, National Association 0.31% $1,000 -
Central Bank Of Kansas City 0.30% $50,000 -
Citizens National Bank Of Greater St. Louis 0.30% $1,000 -
Legends Bank 0.30% $1,000 -
Valley View State Bank 0.30% $500 -
The Merchants And Farmers Bank Of Salisbury 0.30% $1,000 -
Community Bank Of Raymore 0.30% $500 -
Superior Bank 0.30% $1,000 -
Nbh Bank, National Association 0.30% $500 -
New Frontier Bank 0.30% $1,000 -
Community State Bank 0.30% $500 -
The Missouri Bank 0.30% $1 -
Arvest Bank 0.30% $10,000 -
Southwest Missouri Bank 0.30% $500 -
Pony Express Bank 0.30% $500 -
Branson Bank 0.30% $1,000 -
West Plains Bank And Trust Company 0.30% $1,000 -
Meramec Valley Bank 0.30% $1,000 -
West Plains Savings And Loan Association 0.30% $1,000 -
Commercial Bank 0.30% $1,000 -
The Callaway Bank 0.30% $10,000 -
Bank Star 0.30% $500 -
Lead Bank 0.30% $500 -
Lawson Bank 0.30% $1,000 -
Platte Valley Bank Of Missouri 0.30% $1,000 -
United Security Bank 0.30% $500 -
Preferred Bank 0.30% $500 -
Sherwood Community Bank 0.30% $500 -
Community Bank Of Missouri 0.30% $500 -
Canton State Bank 0.30% $1,000 -
Central Bank 0.30% $10,000 -
Bank Of Lee's Summit 0.30% $500 -
Pulaski Bank 0.30% $2,500 -
The Bank Of Edwardsville 0.30% $1,000 -
Bank Star One 0.30% $1,000 -
Umb Bank, National Association 0.30% $500 -
Citizens Bank & Trust 0.30% $500 -
Chester National Bank 0.30% $500 -
Bank Of Weston 0.30% $1 -
The Pleasant Hill Bank 0.30% $1,000 -
Legacy Bank & Trust Company 0.30% $1,000 -
Community First Banking Company 0.30% $1,000 -
Exchange National Bank & Trust Co. 0.30% $1,000 -
Mid America Bank 0.30% $1,000 -
The Privatebank And Trust Company 0.30% $1,000 -
Town & Country Bank Midwest 0.30% $1,000 -
First Federal Bank, Fsb 0.30% $10,000 -
Fmb Bank 0.30% $500 -
Pony Express Community Bank 0.29% $100,000 -
The Morrill And Janes Bank And Trust Company 0.29% $1,000 -
Bank Of Salem 0.28% $1,000 -
Progressive Ozark Bank 0.27% $1,000 -
Peoples Savings Bank Of Rhineland 0.25% $1,000 -
Mid-missouri Bank 0.25% $1,000 -
Central Bank Of The Midwest 0.25% $1,000 -
Bank Of Minden 0.25% $1,000 -
Concordia Bank Of Concordia, Missouri 0.25% $500 -
Lamar Bank And Trust Company 0.25% $500 -
Umb Bank, National Association 0.25% $500 -
Midwest Bankcentre 0.25% $1,000 -
Bank Of New Cambria 0.25% $500 -
Mutual Of Omaha Bank 0.25% $1,000 -
Pony Express Community Bank 0.25% $5,000 -
Providence Bank 0.25% $1,000 -
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 -
Commerce Bank 0.25% $10,000 -
Lindell Bank & Trust Company 0.25% $1,000 -
Bokf, National Association 0.25% $100,001 -
The Bank Of Orrick 0.25% $1,000 -
Goppert Financial Bank 0.25% $1,000 -
Central Bank Of Sedalia 0.25% $50,000 -
Bancorpsouth Bank 0.25% $1,000 -
St. Johns Bank And Trust Company 0.25% $1,000 -
Home Exchange Bank 0.25% $10,000 -
Simmons First National Bank 0.25% $500 -
Central Bank Of Kansas City 0.25% $500 -
State Bank Of Missouri 0.25% $500 -
Home Savings Bank 0.25% $500 -
County Bank 0.25% $500 -
Country Club Bank 0.25% $50,000 -
Bremen Bank And Trust Company 0.25% $500 -
State Bank Of Southwest Missouri 0.25% $1,000 -
Hawthorn Bank 0.25% $1,000 -
Jonesburg State Bank 0.25% $500 -
Clay County Savings Bank 0.22% $25,000 -
Peoples Bank 0.21% $100,000 -
Reliance Bank 0.21% $1,000 -
Peoples National Bank , N.a. 0.21% $100,000 -
North American Savings Bank, F.s.b. 0.20% $1,000 -
Central Bank Of St. Louis 0.20% $1,000 -
First Bank 0.20% $1,000 -
Commerce Bank 0.20% $10,000 -
Midwest Regional Bank 0.20% $1,000 -
Century Bank Of The Ozarks 0.20% $1,000 -
Banterra Bank 0.20% $1,000 -
F & C Bank 0.20% $2,500 -
Bokf, National Association 0.20% $1,000 -
Country Club Bank 0.20% $10,000 -
Exchange Bank Of Missouri 0.20% $1,000 -
Citizens Bank 0.20% $1,000 -
Central Bank Of The Ozarks 0.20% $500 -
Farmers And Merchants Bank Of St. Clair 0.20% $500 -
Central Bank Of Warrensburg 0.20% $500 -
Clay County Savings Bank 0.20% $500 -
Hnb National Bank 0.20% $1,000 -
Bank Of The West 0.20% $10,000 -
Bankliberty 0.20% $500 -
Pinnacle Bank 0.20% $500 -
Rockwood Bank 0.20% $1,000 -
Bmo Harris Bank National Association 0.20% $100,000 -
The Central Trust Bank 0.20% $25,000 -
Macon-atlanta State Bank 0.20% $500 -
Bank Of Franklin County 0.20% $500 -
Pnc Bank, National Association 0.17% $100,000 -
The Missouri Bank Ii 0.15% $500 -
F&m Bank And Trust Company 0.15% $10,000 -
Central Bank Of Boone County 0.15% $500 -
Landmark Bank, National Association 0.15% $5,000 -
The Central Trust Bank 0.15% $10,000 -
Hawthorn Bank 0.15% $1,000 -
Central Bank Of Sedalia 0.15% $10,000 -
Rcsbank 0.15% $1,000 -
Hometown Bank, National Association 0.15% $20,000 -
Bmo Harris Bank National Association 0.15% $5,000 -
Peoples National Bank , N.a. 0.15% $10,000 -
Pnc Bank, National Association 0.13% $10,000 -
Sunflower Bank, National Association 0.13% $10,000 -
Equity Bank 0.10% $1,000 -
Umb Bank, National Association 0.10% $500 -
U.s. Bank National Association 0.10% $10,000 -
Hometown Bank, National Association 0.10% $1,000 -
Centrue Bank 0.10% $1,000 -
Peoples Bank 0.08% $10,000 -
Bank Of America, National Association 0.07% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
Regions Bank 0.05% $500 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

  • «
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Certificates of Deposit - Branch Banks

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

Advantages and Disadvantages

The advantages of a Certificate of Deposit from a branch bank are:

 · 

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.

 · 

CDs provide a predictable, set rate of return.

 · 

Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

 · 

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.

 · 

One year CDs from branch banks often pay less interest than from online banks.

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, you visit the FDIC website.

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

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