You are viewing rates across Missouri


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 - February 6, 2016

1 Year CD National Average : 0.37% ?

Bank APY MIN MILES ?
Putnam County State Bank 1.26% $100,000 - Learn MoreShow Less
Fortunebank 1.12% $1,000 - Learn MoreShow Less
Tiaa-cref Trust Company, Fsb 1.01% $1,000 - Learn MoreShow Less
Frontenac Bank 1.00% $1,000 - Learn MoreShow Less
Mrv Banks 0.95% $1,000 - Learn MoreShow Less
Springfield First Community Bank 0.90% $1,000 - Learn MoreShow Less
First Bank Of The Lake 0.85% $100,000 - Learn MoreShow Less
Wood & Huston Bank 0.80% $1,000 - Learn MoreShow Less
First Midwest Bank Of Dexter 0.75% $1,000 - Learn MoreShow Less
Putnam County State Bank 0.75% $10,000 - Learn MoreShow Less
First Missouri State Bank 0.75% $1,000 - Learn MoreShow Less
First Bank Of The Lake 0.75% $2,000 - Learn MoreShow Less
1st Advantage Bank 0.75% $500 - Learn MoreShow Less
Armed Forces Bank, National Association 0.75% $500 - Learn MoreShow Less
Old Missouri Bank 0.75% $1,000 - Learn MoreShow Less
Academy Bank, National Association 0.75% $500 - Learn MoreShow Less
Citizens' Bank Of Charleston 0.70% $100,000 - Learn MoreShow Less
First Commercial Bank 0.70% $1 - Learn MoreShow Less
First Midwest Bank Of Poplar Bluff 0.65% $1,000 - Learn MoreShow Less
People's Bank Of Seneca 0.65% $1,000 - Learn MoreShow Less
First State Bank And Trust Company, Inc. 0.65% $1,000 - Learn MoreShow Less
Bank Of Monticello 0.65% $100,000 - Learn MoreShow Less
Mississippi County Savings And Loan Association 0.65% $1,000 - Learn MoreShow Less
First Midwest Bank Of Dexter 0.65% $1,000 - Learn MoreShow Less
The Bank Of Advance 0.65% $1,000 - Learn MoreShow Less
Adams Dairy Bank 0.62% $500 - Learn MoreShow Less
Summit Bank Of Kansas City 0.61% $1,000 - Learn MoreShow Less
Citizens' Bank Of Charleston 0.60% $1,000 - Learn MoreShow Less
Sterling Bank 0.60% $1,000 - Learn MoreShow Less
First State Community Bank 0.60% $500 - Learn MoreShow Less
First Midwest Bank Of The Ozarks 0.60% $1,000 - Learn MoreShow Less
Bank 21 0.60% $500 - Learn MoreShow Less
Southern Bank 0.60% $100,000 - Learn MoreShow Less
The Mercantile Bank Of Louisiana, Missouri 0.60% $100,000 - Learn MoreShow Less
American Trust Bank 0.60% $500 - Learn MoreShow Less
Independent Farmers Bank 0.60% $500 - Learn MoreShow Less
Freedom Bank Of Southern Missouri 0.60% $1,000 - Learn MoreShow Less
National Bank Of Kansas City 0.60% $5,000 - Learn MoreShow Less
Capaha Bank, Sb 0.60% $10,000 - Learn MoreShow Less
Quarry City Savings And Loan Association 0.60% $500 - Learn MoreShow Less
Community Point Bank 0.60% $250 - Learn MoreShow Less
Mercantile Bank 0.57% $1,000 - Learn MoreShow Less
First State Bank Of Purdy 0.55% $500 - Learn MoreShow Less
First Missouri Bank 0.55% $10,000 - Learn MoreShow Less
Peoples Bank Of Altenburg 0.55% $500 - Learn MoreShow Less
Community State Bank 0.55% $100,000 - Learn MoreShow Less
Bank Of Bolivar 0.55% $500 - Learn MoreShow Less
Montgomery Bank, National Association 0.55% $1,000 - Learn MoreShow Less
Oakstar Bank 0.55% $1,000 - Learn MoreShow Less
Commercial Trust Company Of Fayette 0.55% $100,000 - Learn MoreShow Less
Kennett National Bank 0.51% $500 - Learn MoreShow Less
The Bank Of Missouri 0.51% $500 - Learn MoreShow Less
The Hamilton Bank 0.50% $50,000 - Learn MoreShow Less
Btc Bank 0.50% $500 - Learn MoreShow Less
The Business Bank Of Saint Louis 0.50% $100,000 - Learn MoreShow Less
Bank Of New Madrid 0.50% $500 - Learn MoreShow Less
Southern Bank 0.50% $1,000 - Learn MoreShow Less
Parkside Financial Bank & Trust 0.50% $100,000 - Learn MoreShow Less
Wood & Huston Bank 0.50% $1,000 - Learn MoreShow Less
Metz Banking Company 0.50% $1,000 - Learn MoreShow Less
Investors Community Bank 0.50% $10,000 - Learn MoreShow Less
The Bank Of Versailles 0.50% $500 - Learn MoreShow Less
Bank Northwest 0.50% $500 - Learn MoreShow Less
Homepride Bank 0.50% $500 - Learn MoreShow Less
Table Rock Community Bank 0.50% $1,000 - Learn MoreShow Less
First National Bank 0.50% $500 - Learn MoreShow Less
The Corner Stone Bank 0.50% $1,000 - Learn MoreShow Less
The Maries County Bank 0.50% $1,000 - Learn MoreShow Less
Peoples Bank Of Moniteau County 0.50% $500 - Learn MoreShow Less
Ozarks Federal Savings And Loan Association 0.50% $500 - Learn MoreShow Less
Carroll County Trust Company Of Carrollton, Missouri 0.50% $500 - Learn MoreShow Less
Peoples Bank Of Wyaconda, Missouri 0.50% $500 - Learn MoreShow Less
First State Bank Of St. Charles, Missouri 0.50% $1,000 - Learn MoreShow Less
Capitol Federal Savings Bank 0.50% $1,000 - Learn MoreShow Less
Exchange Bank Of Missouri 0.50% $1,000 - Learn MoreShow Less
First Community Bank, Missouri 0.50% $1,000 - Learn MoreShow Less
Peoples Community Bank 0.50% $500 - Learn MoreShow Less
First Federal Bank, Fsb 0.50% $50,000 - Learn MoreShow Less
Bank Of Odessa 0.50% $1,000 - Learn MoreShow Less
Community Bank Of El Dorado Springs 0.50% $1,000 - Learn MoreShow Less
St. Louis Bank 0.50% $100,000 - Learn MoreShow Less
The Citizens-farmers Bank Of Cole Camp 0.50% $1,000 - Learn MoreShow Less
Great American Bank 0.50% $1,000 - Learn MoreShow Less
Cass Commercial Bank 0.50% $1,000 - Learn MoreShow Less
The Tipton Latham Bank, National Association 0.50% $500 - Learn MoreShow Less
Regional Missouri Bank 0.45% $50,000 - Learn MoreShow Less
Farmers Bank Of Lincoln 0.45% $50,000 - Learn MoreShow Less
Citizens Bank & Trust 0.45% $100,000 - Learn MoreShow Less
First National Bank 0.45% $1,000 - Learn MoreShow Less
Community Bank Of Marshall 0.45% $1,000 - Learn MoreShow Less
Midland States Bank 0.45% $500 - Learn MoreShow Less
Bank Of Monticello 0.45% $500 - Learn MoreShow Less
Kcb Bank 0.45% $500 - Learn MoreShow Less
Enterprise Bank & Trust 0.45% $1,000 - Learn MoreShow Less
Mainstreet Bank 0.45% $500 - Learn MoreShow Less
1st Advantage Bank 0.45% $500 - Learn MoreShow Less
Bloomsdale Bank 0.45% $10,000 - Learn MoreShow Less
First Collinsville Bank 0.45% $96,000 - Learn MoreShow Less
Concord Bank 0.45% $1,000 - Learn MoreShow Less
St. Clair County State Bank 0.45% $1,000 - Learn MoreShow Less
Community National Bank 0.45% $500 - Learn MoreShow Less
Heritage Community Bank 0.45% $1,000 - Learn MoreShow Less
The First National Bank Of Nevada, Missouri 0.45% $1,000 - Learn MoreShow Less
Triad Bank 0.45% $1,000 - Learn MoreShow Less
The Business Bank Of Saint Louis 0.45% $1,000 - Learn MoreShow Less
Adrian Bank 0.45% $1,000 - Learn MoreShow Less
Commercial Trust Company Of Fayette 0.45% $100,000 - Learn MoreShow Less
First Community National Bank 0.45% $10,000 - Learn MoreShow Less
Jefferson Bank And Trust Company 0.45% $500 - Learn MoreShow Less
Wood & Huston Bank 0.45% $1,000 - Learn MoreShow Less
The Bank Of Fairport 0.45% $1,000 - Learn MoreShow Less
Silex Banking Company 0.42% $1,000 - Learn MoreShow Less
Blue Ridge Bank And Trust Co. 0.41% $500 - Learn MoreShow Less
Systematic Savings Bank 0.41% $500 - Learn MoreShow Less
Community State Bank Of Missouri 0.40% $500 - Learn MoreShow Less
The Seymour Bank 0.40% $10,000 - Learn MoreShow Less
Community First Bank 0.40% $1,000 - Learn MoreShow Less
Eagle Bank And Trust Company Of Missouri 0.40% $500 - Learn MoreShow Less
Commercial Trust Company Of Fayette 0.40% $500 - Learn MoreShow Less
First Independent Bank 0.40% $500 - Learn MoreShow Less
Central Bank 0.40% $100,000 - Learn MoreShow Less
The Hamilton Bank 0.40% $10,000 - Learn MoreShow Less
Security Bank 0.40% $500 - Learn MoreShow Less
First Midwest Bank Of Poplar Bluff 0.40% $1,000 - Learn MoreShow Less
Northeast Missouri State Bank 0.40% $500 - Learn MoreShow Less
The Paris National Bank 0.40% $500 - Learn MoreShow Less
Ozark Bank 0.40% $1,000 - Learn MoreShow Less
Citizens Bank 0.40% $500 - Learn MoreShow Less
Parkside Financial Bank & Trust 0.40% $10,000 - Learn MoreShow Less
Farmers Bank Of Lohman, Missouri 0.40% $25,000 - Learn MoreShow Less
Kearney Trust Company 0.40% $10,000 - Learn MoreShow Less
Montrose Savings Bank 0.40% $500 - Learn MoreShow Less
Bank Of Washington 0.40% $5,000 - Learn MoreShow Less
Community Point Bank 0.40% $250 - Learn MoreShow Less
Farmers State Bank, S/b 0.40% $500 - Learn MoreShow Less
The Union State Bank Of Everest 0.40% $1,000 - Learn MoreShow Less
Home Exchange Bank 0.40% $100,000 - Learn MoreShow Less
Tri-county Trust Company 0.40% $1,000 - Learn MoreShow Less
Senath State Bank 0.40% $1,000 - Learn MoreShow Less
Regional Missouri Bank 0.40% $1,000 - Learn MoreShow Less
Heritage Bank Of The Ozarks 0.40% $1,000 - Learn MoreShow Less
First Bank Of Missouri 0.40% $500 - Learn MoreShow Less
United State Bank 0.40% $1,000 - Learn MoreShow Less
Farmers State Bank 0.40% $100 - Learn MoreShow Less
Bank Of Hillsboro 0.40% $1,000 - Learn MoreShow Less
O'bannon Banking Company 0.40% $1,000 - Learn MoreShow Less
First National Bank Of Clinton 0.40% $1,000 - Learn MoreShow Less
The Mercantile Bank Of Louisiana, Missouri 0.40% $1,000 - Learn MoreShow Less
Arvest Bank 0.40% $95,000 - Learn MoreShow Less
The Nodaway Valley Bank 0.40% $500 - Learn MoreShow Less
The Bank Of Macks Creek 0.40% $500 - Learn MoreShow Less
Farmers Bank Of Lincoln 0.40% $1,000 - Learn MoreShow Less
Alton Bank 0.40% $500 - Learn MoreShow Less
Peoples Bank & Trust Co. 0.40% $1,000 - Learn MoreShow Less
Btc Bank 0.40% $500 - Learn MoreShow Less
St. Louis Bank 0.40% $5,000 - Learn MoreShow Less
The Bank Of Urbana 0.40% $1,000 - Learn MoreShow Less
Cbc Bank 0.40% $500 - Learn MoreShow Less
Exchange Bank Of Northeast Missouri 0.40% $500 - Learn MoreShow Less
Royal Banks Of Missouri 0.39% $1,000 - Learn MoreShow Less
Town & Country Bank 0.38% $1,000 - Learn MoreShow Less
Guaranty Bank 0.37% $1,000 - Learn MoreShow Less
Citizens Bank Of Newburg 0.36% $1,000 - Learn MoreShow Less
Bank Of Iberia 0.35% $1,000 - Learn MoreShow Less
Central Federal Savings And Loan Association Of Rolla 0.35% $500 - Learn MoreShow Less
Carrollton Bank 0.35% $10,000 - Learn MoreShow Less
Security Bank Of The Ozarks 0.35% $500 - Learn MoreShow Less
Citizens Bank Of Eldon 0.35% $1,000 - Learn MoreShow Less
Community Bank, National Association 0.35% $500 - Learn MoreShow Less
Farmers Bank Of Lohman, Missouri 0.35% $100 - Learn MoreShow Less
Wells Bank Of Platte City 0.35% $1,000 - Learn MoreShow Less
Bank Of Crocker 0.35% $2,500 - Learn MoreShow Less
Midwest Regional Bank 0.35% $1,000 - Learn MoreShow Less
Great Southern Bank 0.35% $250 - Learn MoreShow Less
First Collinsville Bank 0.35% $1,000 - Learn MoreShow Less
First Home Bank 0.35% $500 - Learn MoreShow Less
B&l Bank 0.35% $500 - Learn MoreShow Less
F & C Bank 0.35% $50,000 - Learn MoreShow Less
The Bank Of Grain Valley 0.35% $1,000 - Learn MoreShow Less
Cnb Bank And Trust, N.a. 0.35% $1,000 - Learn MoreShow Less
American Bank Of Missouri 0.35% $1,000 - Learn MoreShow Less
Bank Of Sullivan 0.35% $1,000 - Learn MoreShow Less
The Citizens Bank Of Edina 0.35% $1,000 - Learn MoreShow Less
Hawthorn Bank 0.35% $1,000 - Learn MoreShow Less
The Bank Of Old Monroe 0.35% $1,000 - Learn MoreShow Less
Horizon State Bank 0.35% $500 - Learn MoreShow Less
Wood & Huston Bank 0.35% $1,000 - Learn MoreShow Less
Bank Of Brookfield - Purdin, National Association 0.35% $500 - Learn MoreShow Less
The Privatebank And Trust Company 0.35% $100,000 - Learn MoreShow Less
United Bank Of Union 0.35% $500 - Learn MoreShow Less
First Security Bank 0.35% $500 - Learn MoreShow Less
Bank Of Louisiana 0.35% $500 - Learn MoreShow Less
Mid America Bank & Trust Company 0.35% $1,000 - Learn MoreShow Less
Phelps County Bank 0.35% $1,000 - Learn MoreShow Less
Homebank 0.35% $2,500 - Learn MoreShow Less
Bank Of St. Elizabeth 0.35% $1,000 - Learn MoreShow Less
1st Cameron State Bank 0.35% $100 - Learn MoreShow Less
Bank Of Salem 0.33% $100,000 - Learn MoreShow Less
Mercantile Bank 0.32% $1,000 - Learn MoreShow Less
Landmark Bank, National Association 0.32% $5,000 - Learn MoreShow Less
Southern Missouri Bank Of Marshfield 0.32% $1,000 - Learn MoreShow Less
Citizens Community Bank 0.32% $500 - Learn MoreShow Less
Alliant Bank 0.31% $500 - Learn MoreShow Less
Central Bank Of Kansas City 0.30% $50,000 - Learn MoreShow Less
Citizens National Bank Of Greater St. Louis 0.30% $1,000 - Learn MoreShow Less
Exchange National Bank & Trust Co. 0.30% $1,000 - Learn MoreShow Less
Legends Bank 0.30% $1,000 - Learn MoreShow Less
Valley View State Bank 0.30% $500 - Learn MoreShow Less
The Merchants And Farmers Bank Of Salisbury 0.30% $1,000 - Learn MoreShow Less
Community Bank Of Raymore 0.30% $500 - Learn MoreShow Less
First Community Bank Of The Ozarks 0.30% $500 - Learn MoreShow Less
Nbh Bank, National Association 0.30% $500 - Learn MoreShow Less
New Frontier Bank 0.30% $1,000 - Learn MoreShow Less
Community State Bank 0.30% $500 - Learn MoreShow Less
The Missouri Bank 0.30% $1 - Learn MoreShow Less
Arvest Bank 0.30% $10,000 - Learn MoreShow Less
Southwest Missouri Bank 0.30% $500 - Learn MoreShow Less
Superior Bank 0.30% $1,000 - Learn MoreShow Less
Pony Express Bank 0.30% $500 - Learn MoreShow Less
Branson Bank 0.30% $1,000 - Learn MoreShow Less
West Plains Bank And Trust Company 0.30% $1,000 - Learn MoreShow Less
Meramec Valley Bank 0.30% $1,000 - Learn MoreShow Less
West Plains Savings And Loan Association 0.30% $1,000 - Learn MoreShow Less
Commercial Bank 0.30% $1,000 - Learn MoreShow Less
Citizens Bank And Trust Company 0.30% $500 - Learn MoreShow Less
The Callaway Bank 0.30% $10,000 - Learn MoreShow Less
Bank Star 0.30% $500 - Learn MoreShow Less
Lead Bank 0.30% $500 - Learn MoreShow Less
Lawson Bank 0.30% $1,000 - Learn MoreShow Less
Platte Valley Bank Of Missouri 0.30% $1,000 - Learn MoreShow Less
United Security Bank 0.30% $500 - Learn MoreShow Less
Preferred Bank 0.30% $500 - Learn MoreShow Less
Sherwood Community Bank 0.30% $500 - Learn MoreShow Less
Community Bank Of Missouri 0.30% $500 - Learn MoreShow Less
Town & Country Bank Midwest 0.30% $1,000 - Learn MoreShow Less
America's Community Bank 0.30% $500 - Learn MoreShow Less
Canton State Bank 0.30% $1,000 - Learn MoreShow Less
Central Bank 0.30% $10,000 - Learn MoreShow Less
Bank Of Lee's Summit 0.30% $500 - Learn MoreShow Less
The Privatebank And Trust Company 0.30% $1,000 - Learn MoreShow Less
Pulaski Bank 0.30% $2,500 - Learn MoreShow Less
Bank Star One 0.30% $1,000 - Learn MoreShow Less
Umb Bank, National Association 0.30% $500 - Learn MoreShow Less
Citizens Bank & Trust 0.30% $500 - Learn MoreShow Less
First Federal Bank, Fsb 0.30% $10,000 - Learn MoreShow Less
Chester National Bank 0.30% $500 - Learn MoreShow Less
Bank Of Weston 0.30% $1 - Learn MoreShow Less
The Pleasant Hill Bank 0.30% $1,000 - Learn MoreShow Less
Legacy Bank & Trust Company 0.30% $1,000 - Learn MoreShow Less
Community First Banking Company 0.30% $1,000 - Learn MoreShow Less
Mid America Bank 0.30% $1,000 - Learn MoreShow Less
The Bank Of Edwardsville 0.30% $1,000 - Learn MoreShow Less
Fmb Bank 0.30% $500 - Learn MoreShow Less
Bank Of Labor 0.30% $1,000 - Learn MoreShow Less
The Morrill And Janes Bank And Trust Company 0.29% $1,000 - Learn MoreShow Less
Bank Of Salem 0.28% $1,000 - Learn MoreShow Less
Progressive Ozark Bank 0.27% $1,000 - Learn MoreShow Less
Peoples Savings Bank Of Rhineland 0.25% $1,000 - Learn MoreShow Less
Mid-missouri Bank 0.25% $1,000 - Learn MoreShow Less
Central Bank Of The Midwest 0.25% $1,000 - Learn MoreShow Less
Bank Of Minden 0.25% $1,000 - Learn MoreShow Less
Concordia Bank Of Concordia, Missouri 0.25% $500 - Learn MoreShow Less
Lamar Bank And Trust Company 0.25% $500 - Learn MoreShow Less
Umb Bank, National Association 0.25% $500 - Learn MoreShow Less
Midwest Bankcentre 0.25% $1,000 - Learn MoreShow Less
Bank Of New Cambria 0.25% $500 - Learn MoreShow Less
Providence Bank 0.25% $1,000 - Learn MoreShow Less
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 - Learn MoreShow Less
Commerce Bank 0.25% $10,000 - Learn MoreShow Less
Lindell Bank & Trust Company 0.25% $1,000 - Learn MoreShow Less
The Bank Of Orrick 0.25% $1,000 - Learn MoreShow Less
Goppert Financial Bank 0.25% $1,000 - Learn MoreShow Less
Mutual Of Omaha Bank 0.25% $1,000 - Learn MoreShow Less
Central Bank Of Sedalia 0.25% $50,000 - Learn MoreShow Less
Bancorpsouth Bank 0.25% $1,000 - Learn MoreShow Less
St. Johns Bank And Trust Company 0.25% $1,000 - Learn MoreShow Less
Home Exchange Bank 0.25% $10,000 - Learn MoreShow Less
Simmons First National Bank 0.25% $500 - Learn MoreShow Less
Central Bank Of Kansas City 0.25% $500 - Learn MoreShow Less
State Bank Of Missouri 0.25% $500 - Learn MoreShow Less
Home Savings Bank 0.25% $500 - Learn MoreShow Less
County Bank 0.25% $500 - Learn MoreShow Less
Country Club Bank 0.25% $50,000 - Learn MoreShow Less
Jonesburg State Bank 0.25% $500 - Learn MoreShow Less
Metropolitan National Bank 0.25% $1 - Learn MoreShow Less
Bremen Bank And Trust Company 0.25% $500 - Learn MoreShow Less
State Bank Of Southwest Missouri 0.25% $500 - Learn MoreShow Less
Hawthorn Bank 0.25% $1,000 - Learn MoreShow Less
Bokf, National Association 0.25% $100,001 - Learn MoreShow Less
Pony Express Community Bank 0.24% $100,000 - Learn MoreShow Less
Clay County Savings Bank 0.22% $25,000 - Learn MoreShow Less
Peoples National Bank , N.a. 0.21% $100,000 - Learn MoreShow Less
Peoples Bank 0.21% $100,000 - Learn MoreShow Less
Reliance Bank 0.21% $1,000 - Learn MoreShow Less
North American Savings Bank, F.s.b. 0.20% $1,000 - Learn MoreShow Less
Central Bank Of St. Louis 0.20% $1,000 - Learn MoreShow Less
First Bank 0.20% $1,000 - Learn MoreShow Less
Bokf, National Association 0.20% $1,000 - Learn MoreShow Less
Midwest Regional Bank 0.20% $1,000 - Learn MoreShow Less
Century Bank Of The Ozarks 0.20% $1,000 - Learn MoreShow Less
Commerce Bank 0.20% $10,000 - Learn MoreShow Less
F & C Bank 0.20% $2,500 - Learn MoreShow Less
Country Club Bank 0.20% $10,000 - Learn MoreShow Less
Exchange Bank Of Missouri 0.20% $1,000 - Learn MoreShow Less
Citizens Bank 0.20% $1,000 - Learn MoreShow Less
Central Bank Of The Ozarks 0.20% $500 - Learn MoreShow Less
Farmers And Merchants Bank Of St. Clair 0.20% $500 - Learn MoreShow Less
Pony Express Community Bank 0.20% $5,000 - Learn MoreShow Less
Central Bank Of Warrensburg 0.20% $500 - Learn MoreShow Less
Clay County Savings Bank 0.20% $500 - Learn MoreShow Less
Hnb National Bank 0.20% $1,000 - Learn MoreShow Less
Bankliberty 0.20% $500 - Learn MoreShow Less
Pinnacle Bank 0.20% $500 - Learn MoreShow Less
Rockwood Bank 0.20% $1,000 - Learn MoreShow Less
Bmo Harris Bank National Association 0.20% $100,000 - Learn MoreShow Less
Bank Of Franklin County 0.20% $500 - Learn MoreShow Less
The Central Trust Bank 0.20% $25,000 - Learn MoreShow Less
Scottrade Bank 0.20% $100,000 - Learn MoreShow Less
Bank Of The West 0.20% $10,000 - Learn MoreShow Less
Macon-atlanta State Bank 0.20% $500 - Learn MoreShow Less
Banterra Bank 0.20% $1,000 - Learn MoreShow Less
Pnc Bank, National Association 0.17% $100,000 - Learn MoreShow Less
The Missouri Bank Ii 0.15% $500 - Learn MoreShow Less
F&m Bank And Trust Company 0.15% $10,000 - Learn MoreShow Less
Fifth Third Bank 0.15% $10,000 - Learn MoreShow Less
Peoples National Bank , N.a. 0.15% $10,000 - Learn MoreShow Less
Central Bank Of Boone County 0.15% $500 - Learn MoreShow Less
Landmark Bank, National Association 0.15% $5,000 - Learn MoreShow Less
Commerce Bank 0.15% $10,000 - Learn MoreShow Less
The Central Trust Bank 0.15% $10,000 - Learn MoreShow Less
Hawthorn Bank 0.15% $1,000 - Learn MoreShow Less
Central Bank Of Sedalia 0.15% $10,000 - Learn MoreShow Less
Scottrade Bank 0.15% $10,000 - Learn MoreShow Less
Rcsbank 0.15% $1,000 - Learn MoreShow Less
Hometown Bank, National Association 0.15% $20,000 - Learn MoreShow Less
Bmo Harris Bank National Association 0.15% $5,000 - Learn MoreShow Less
Pnc Bank, National Association 0.13% $10,000 - Learn MoreShow Less
Sunflower Bank, National Association 0.13% $10,000 - Learn MoreShow Less
Centrue Bank 0.10% $1,000 - Learn MoreShow Less
Equity Bank 0.10% $1,000 - Learn MoreShow Less
Umb Bank, National Association 0.10% $500 - Learn MoreShow Less
U.s. Bank National Association 0.10% $10,000 - Learn MoreShow Less
Hometown Bank, National Association 0.10% $1,000 - Learn MoreShow Less
Peoples Bank 0.08% $10,000 - Learn MoreShow Less
Bank Of America, National Association 0.07% $10,000 - Learn MoreShow Less
Bank Of America, National Association 0.05% $10,000 - Learn MoreShow Less
Regions Bank 0.05% $500 - Learn MoreShow Less
Fifth Third Bank 0.05% $100,000 - Learn MoreShow Less

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.

  • 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?

  • Stephen C

    August 06, 2015

    It would be nice if you would include an option for all terms e.g., up to 10 years. Also it would help if you could select all banks and credit unions. It has been my experience that some bank and CU's will change their policy of being regional to national.

  • David H. 7/10/15

    July 10, 2015

    Union Savings Bank doesn't have a one year cd for 1.15%

  • Alan Platt

    November 24, 2014

    So stupid that you cannot vote "yes". The only thing that registers is "no".

  • Darren

    September 16, 2014

    Union County Savings Bank in Cranford is offering a 1.3% Jumbo CD Rate for 1 year.

  • Alan Platt

    August 25, 2014

    Why did you stop listing information about DORAL BANK?

  • Allen

    April 11, 2014

    Rate is wrong on "Investar Bank 0.75% $1,000 0.92 +Learn More"

  • Delores Langley

    March 12, 2014

    What are your 2 yr. CD rates.

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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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