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Missouri CD Rates 2016

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 - August 23, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Putnam County State Bank 1.26% $100,000 -
Crescent Bank & Trust 1.16% $1,000 -
Fortunebank 1.12% $1,000 -
Tiaa-cref Trust Company, Fsb 1.01% $1,000 -
Mrv Banks 0.95% $1,000 -
1st Advantage Bank 0.90% $500 -
First Bank Of The Lake 0.85% $100,000 -
Springfield First Community Bank 0.85% $1,000 -
Wood & Huston Bank 0.80% $1,000 -
Metz Banking Company 0.75% $1,000 -
Armed Forces Bank, National Association 0.75% $500 -
Old Missouri Bank 0.75% $1,000 -
First Missouri State Bank 0.75% $1,000 -
First Midwest Bank Of Dexter 0.75% $1,000 -
Academy Bank, National Association 0.75% $500 -
Putnam County State Bank 0.75% $10,000 -
First Bank Of The Lake 0.75% $2,000 -
Great American Bank 0.75% $1,000 -
Peoples Bank 0.71% $5,000 -
Adams Dairy Bank 0.71% $500 -
Bank 21 0.70% $500 -
First Commercial Bank 0.70% $1 -
Bank Of Monticello 0.70% $100,000 -
Capaha Bank, Sb 0.70% $10,000 -
Citizens' Bank Of Charleston 0.70% $100,000 -
First Midwest Bank Of Dexter 0.70% $1,000 -
The Business Bank Of Saint Louis 0.70% $100,000 -
Summit Bank Of Kansas City 0.66% $1,000 -
The Bank Of Advance 0.65% $1,000 -
First State Bank And Trust Company, Inc. 0.65% $1,000 -
First Midwest Bank Of Poplar Bluff 0.65% $1,000 -
Mississippi County Savings And Loan Association 0.65% $1,000 -
The Bank Of Versailles 0.60% $500 -
First Midwest Bank Of The Ozarks 0.60% $1,000 -
Independent Farmers Bank 0.60% $500 -
The Citizens-farmers Bank Of Cole Camp 0.60% $1,000 -
The Mercantile Bank Of Louisiana, Missouri 0.60% $100,000 -
Community Point Bank 0.60% $500 -
Citizens' Bank Of Charleston 0.60% $1,000 -
Southern Bank 0.60% $100,000 -
Quarry City Savings And Loan Association 0.60% $500 -
National Bank Of Kansas City 0.60% $5,000 -
Freedom Bank Of Southern Missouri 0.60% $1,000 -
The Business Bank Of Saint Louis 0.60% $1,000 -
Sterling Bank 0.60% $1,000 -
First State Bank Of Purdy 0.55% $500 -
Montgomery Bank, National Association 0.55% $1,000 -
Commercial Trust Company Of Fayette 0.55% $100,000 -
Peoples Bank Of Altenburg 0.55% $500 -
Community State Bank 0.55% $100,000 -
First Missouri Bank 0.55% $10,000 -
People's Bank Of Seneca 0.55% $1,000 -
St. Louis Bank 0.55% $100,000 -
Oakstar Bank 0.55% $1,000 -
The Bank Of Missouri 0.51% $500 -
Wood & Huston Bank 0.50% $1,000 -
Cass Commercial Bank 0.50% $1,000 -
Exchange Bank Of Missouri 0.50% $1,000 -
The Tipton Latham Bank, National Association 0.50% $500 -
Hnb National Bank 0.50% $1,000 -
O'bannon Banking Company 0.50% $1,000 -
The Maries County Bank 0.50% $1,000 -
America's Community Bank 0.50% $500 -
The Corner Stone Bank 0.50% $1,000 -
Bank Of Odessa 0.50% $1,000 -
Btc Bank 0.50% $500 -
Farmers State Bank, S/b 0.50% $500 -
Tri-county Trust Company 0.50% $1,000 -
Homepride Bank 0.50% $500 -
First State Bank Of St. Charles, Missouri 0.50% $1,000 -
Bank Of Monticello 0.50% $500 -
Bank Of New Madrid 0.50% $500 -
Peoples Bank Of Wyaconda, Missouri 0.50% $500 -
Peoples Bank Of Moniteau County 0.50% $500 -
Bank Northwest 0.50% $500 -
First State Community Bank 0.50% $500 -
First Bank Of Missouri 0.50% $500 -
First National Bank 0.50% $500 -
Peoples Community Bank 0.50% $500 -
Community Bank Of El Dorado Springs 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
Ozarks Federal Savings And Loan Association 0.50% $500 -
Southern Bank 0.50% $1,000 -
Table Rock Community Bank 0.50% $1,000 -
Parkside Financial Bank & Trust 0.50% $100,000 -
Midland States Bank 0.45% $500 -
Wood & Huston Bank 0.45% $1,000 -
Jefferson Bank And Trust Company 0.45% $500 -
First Community National Bank 0.45% $10,000 -
First National Bank 0.45% $1,000 -
The First National Bank Of Nevada, Missouri 0.45% $1,000 -
Adrian Bank 0.45% $1,000 -
Farmers Bank Of Lincoln 0.45% $50,000 -
The Bank Of Fairport 0.45% $1,000 -
Bloomsdale Bank 0.45% $10,000 -
Kcb Bank 0.45% $500 -
St. Clair County State Bank 0.45% $1,000 -
Mainstreet Bank 0.45% $500 -
Citizens Bank & Trust 0.45% $100,000 -
Heritage Community Bank 0.45% $1,000 -
Regional Missouri Bank 0.45% $50,000 -
Kennett National Bank 0.45% $500 -
Community Bank Of Marshall 0.45% $1,000 -
Enterprise Bank & Trust 0.45% $1,000 -
Bank Of Bolivar 0.45% $500 -
Community National Bank 0.45% $500 -
St. Louis Bank 0.45% $5,000 -
American Trust Bank 0.45% $500 -
Triad Bank 0.45% $1,000 -
Mercantile Bank 0.42% $1,000 -
Silex Banking Company 0.42% $1,000 -
Blue Ridge Bank And Trust Co. 0.41% $500 -
Systematic Savings Bank 0.41% $500 -
Cbc Bank 0.40% $500 -
Carroll County Trust Company Of Carrollton, Missouri 0.40% $500 -
Ozark Bank 0.40% $1,000 -
Community State Bank Of Missouri 0.40% $500 -
The Paris National Bank 0.40% $500 -
Farmers Bank Of Lincoln 0.40% $1,000 -
Farmers Bank Of Lohman, Missouri 0.40% $25,000 -
Exchange Bank Of Northeast Missouri 0.40% $500 -
Alton Bank 0.40% $500 -
Montrose Savings Bank 0.40% $500 -
Arvest Bank 0.40% $95,000 -
Home Exchange Bank 0.40% $100,000 -
Peoples Bank & Trust Co. 0.40% $1,000 -
The Nodaway Valley Bank 0.40% $500 -
Commercial Trust Company Of Fayette 0.40% $500 -
Kearney Trust Company 0.40% $10,000 -
The Bank Of Macks Creek 0.40% $500 -
Security Bank 0.40% $500 -
Community First Bank 0.40% $1,000 -
The Bank Of Urbana 0.40% $1,000 -
Btc Bank 0.40% $500 -
United State Bank 0.40% $1,000 -
The Mercantile Bank Of Louisiana, Missouri 0.40% $1,000 -
Bank Of Washington 0.40% $5,000 -
Northeast Missouri State Bank 0.40% $500 -
Farmers State Bank 0.40% $100 -
Senath State Bank 0.40% $1,000 -
The Seymour Bank 0.40% $10,000 -
Bank Of Hillsboro 0.40% $1,000 -
First National Bank Of Clinton 0.40% $1,000 -
Eagle Bank And Trust Company Of Missouri 0.40% $500 -
First Independent Bank 0.40% $500 -
Regional Missouri Bank 0.40% $1,000 -
The Union State Bank Of Everest 0.40% $1,000 -
First Midwest Bank Of Poplar Bluff 0.40% $1,000 -
Citizens Bank 0.40% $500 -
First Federal Bank, Fsb 0.40% $50,000 -
Heritage Bank Of The Ozarks 0.40% $1,000 -
Parkside Financial Bank & Trust 0.40% $10,000 -
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 -
Wood & Huston Bank 0.35% $1,000 -
First Security Bank 0.35% $500 -
Mid America Bank & Trust Company 0.35% $1,000 -
The Bank Of Old Monroe 0.35% $1,000 -
Bank Of Crocker 0.35% $2,500 -
Citizens Bank Of Eldon 0.35% $1,000 -
Cnb Bank And Trust, N.a. 0.35% $1,000 -
Farmers Bank Of Lohman, Missouri 0.35% $100 -
The Bank Of Grain Valley 0.35% $1,000 -
Goppert Financial Bank 0.35% $1,000 -
Bank Of Iberia 0.35% $1,000 -
Bank Of Louisiana 0.35% $500 -
Midwest Regional Bank 0.35% $1,000 -
Bank Of Sullivan 0.35% $1,000 -
Jonesburg State Bank 0.35% $500 -
F & C Bank 0.35% $50,000 -
Bank Of Brookfield - Purdin, National Association 0.35% $500 -
Horizon State Bank 0.35% $500 -
Hawthorn Bank 0.35% $1,000 -
Bank Of St. Elizabeth 0.35% $1,000 -
Carrollton Bank 0.35% $10,000 -
The Citizens Bank Of Edina 0.35% $1,000 -
The Pleasant Hill Bank 0.35% $1,000 -
Wells Bank Of Platte City 0.35% $1,000 -
United Bank Of Union 0.35% $500 -
Homebank 0.35% $2,500 -
American Bank Of Missouri 0.35% $1,000 -
Security Bank Of The Ozarks 0.35% $1,000 -
Phelps County Bank 0.35% $1,000 -
Great Southern Bank 0.35% $250 -
North American Savings Bank, F.s.b. 0.35% $500 -
First Home Bank 0.35% $500 -
Central Federal Savings And Loan Association Of Rolla 0.35% $500 -
1st Cameron State Bank 0.35% $100 -
First Collinsville Bank 0.35% $1,000 -
The Privatebank And Trust Company 0.35% $100,000 -
Bank Of Salem 0.33% $100,000 -
Landmark Bank, National Association 0.32% $5,000 -
Mercantile Bank 0.32% $1,000 -
Citizens Community Bank 0.32% $500 -
Southern Missouri Bank Of Marshfield 0.32% $1,000 -
Alliant Bank 0.31% $500 -
Bear State Bank, National Association 0.31% $1,000 -
The Bank Of Edwardsville 0.30% $1,000 -
Bank Of Weston 0.30% $1 -
United Security Bank 0.30% $500 -
Sherwood Community Bank 0.30% $500 -
Pony Express Bank 0.30% $500 -
Citizens Bank And Trust Company 0.30% $500 -
Citizens National Bank Of Greater St. Louis 0.30% $1,000 -
Exchange National Bank & Trust Co. 0.30% $1,000 -
The Merchants And Farmers Bank Of Salisbury 0.30% $1,000 -
Umb Bank, National Association 0.30% $500 -
Lead Bank 0.30% $500 -
Arvest Bank 0.30% $10,000 -
Bank Of Lee's Summit 0.30% $500 -
Town & Country Bank Midwest 0.30% $1,000 -
Preferred Bank 0.30% $500 -
Lawson Bank 0.30% $1,000 -
Mid America Bank 0.30% $1,000 -
The Callaway Bank 0.30% $10,000 -
Fmb Bank 0.30% $500 -
Legends Bank 0.30% $1,000 -
Farmers And Merchants Bank Of St. Clair 0.30% $500 -
Citizens Bank & Trust 0.30% $500 -
Platte Valley Bank Of Missouri 0.30% $1,000 -
Canton State Bank 0.30% $1,000 -
West Plains Bank And Trust Company 0.30% $1,000 -
Central Bank Of Kansas City 0.30% $50,000 -
Security Bank Of The Ozarks 0.30% $1,000 -
Bank Star One 0.30% $1,000 -
Meramec Valley Bank 0.30% $1,000 -
Valley View State Bank 0.30% $500 -
Legacy Bank & Trust Company 0.30% $1,000 -
Community State Bank 0.30% $500 -
Community Bank Of Raymore 0.30% $500 -
Southwest Missouri Bank 0.30% $500 -
Commercial Bank 0.30% $1,000 -
First Federal Bank, Fsb 0.30% $10,000 -
Investors Community Bank 0.30% $10,000 -
Chester National Bank 0.30% $500 -
Pulaski Bank 0.30% $2,500 -
First Clover Leaf Bank, National Association 0.30% $1,000 -
West Plains Savings And Loan Association 0.30% $1,000 -
The Privatebank And Trust Company 0.30% $1,000 -
Community First Banking Company 0.30% $1,000 -
Branson Bank 0.30% $1,000 -
New Frontier Bank 0.30% $1,000 -
Community Bank Of Missouri 0.30% $500 -
Nbh Bank, National Association 0.30% $500 -
The Morrill And Janes Bank And Trust Company 0.29% $1 -
Pony Express Community Bank 0.29% $100,000 -
Bank Of Salem 0.28% $1,000 -
Progressive Ozark Bank 0.27% $1,000 -
Midwest Bankcentre 0.25% $1,000 -
Lindell Bank & Trust Company 0.25% $1,000 -
Providence Bank 0.25% $1,000 -
Lamar Bank And Trust Company 0.25% $500 -
Simmons First National Bank 0.25% $500 -
Bokf, National Association 0.25% $100,001 -
Central Bank Of Sedalia 0.25% $50,000 -
Umb Bank, National Association 0.25% $500 -
Home Exchange Bank 0.25% $10,000 -
Country Club Bank 0.25% $50,000 -
St. Johns Bank And Trust Company 0.25% $1,000 -
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 -
The Bank Of Orrick 0.25% $1,000 -
Hawthorn Bank 0.25% $1,000 -
State Bank Of Missouri 0.25% $500 -
Bank Of New Cambria 0.25% $500 -
Bancorpsouth Bank 0.25% $1,000 -
County Bank 0.25% $500 -
Concordia Bank Of Concordia, Missouri 0.25% $500 -
The Missouri Bank 0.25% $1 -
Peoples Savings Bank Of Rhineland 0.25% $1,000 -
Mid-missouri Bank 0.25% $1,000 -
Central Bank Of Kansas City 0.25% $500 -
Bank Of Minden 0.25% $1,000 -
Pony Express Community Bank 0.25% $5,000 -
Commerce Bank 0.25% $10,000 -
Central Bank Of The Midwest 0.25% $1,000 -
State Bank Of Southwest Missouri 0.25% $1,000 -
Mutual Of Omaha Bank 0.25% $1,000 -
First Community Bank 0.25% $500 -
The First National Bank In Carlyle 0.24% $1,000 -
Clay County Savings Bank 0.22% $25,000 -
Peoples National Bank , N.a. 0.21% $100,000 -
Peoples Bank 0.21% $100,000 -
Reliance Bank 0.21% $1,000 -
Bank Of The West 0.20% $10,000 -
Bokf, National Association 0.20% $1,000 -
Central Bank Of St. Louis 0.20% $1,000 -
Hnb National Bank 0.20% $1,000 -
Century Bank Of The Ozarks 0.20% $1,000 -
Country Club Bank 0.20% $10,000 -
Midwest Regional Bank 0.20% $1,000 -
F & C Bank 0.20% $2,500 -
Pinnacle Bank 0.20% $500 -
The Central Trust Bank 0.20% $25,000 -
Citizens Bank 0.20% $1,000 -
Macon-atlanta State Bank 0.20% $500 -
Bmo Harris Bank National Association 0.20% $100,000 -
Banterra Bank 0.20% $1,000 -
Central Bank Of The Ozarks 0.20% $500 -
Central Bank Of Warrensburg 0.20% $500 -
North American Savings Bank, F.s.b. 0.20% $1,000 -
Clay County Savings Bank 0.20% $500 -
Bankliberty 0.20% $500 -
Rockwood Bank 0.20% $1,000 -
Bank Of Franklin County 0.20% $500 -
Pnc Bank, National Association 0.17% $100,000 -
Peoples National Bank , N.a. 0.15% $10,000 -
Central Bank Of Boone County 0.15% $500 -
Landmark Bank, National Association 0.15% $5,000 -
Central Bank Of Sedalia 0.15% $10,000 -
Hawthorn Bank 0.15% $1,000 -
The Central Trust Bank 0.15% $10,000 -
The Missouri Bank Ii 0.15% $500 -
Rcsbank 0.15% $1,000 -
Bmo Harris Bank National Association 0.15% $5,000 -
Home Savings Bank 0.15% $500 -
F&m Bank And Trust Company 0.15% $10,000 -
Hometown Bank, National Association 0.15% $20,000 -
Sunflower Bank, National Association 0.13% $10,000 -
Pnc Bank, National Association 0.13% $10,000 -
U.s. Bank National Association 0.10% $10,000 -
Umb Bank, National Association 0.10% $500 -
State Bank Of Missouri 0.10% $500 -
Equity Bank 0.10% $1,000 -
Hometown Bank, National Association 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.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

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. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

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. Please see those rates here.

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.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • 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.

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