You are viewing rates across Missouri


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 - December 8, 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 -
Tiaa-cref Trust Company, Fsb 1.01% $1,000 -
Capaha Bank, Sb 1.00% $10,000 -
Springfield First Community Bank 1.00% $1,000 -
1st Advantage Bank 0.90% $500 -
Mrv Banks 0.85% $1,000 -
First Bank Of The Lake 0.85% $100,000 -
Academy Bank, National Association 0.75% $500 -
Summit Bank Of Kansas City 0.75% $1,000 -
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 -
First Midwest Bank Of Dexter 0.75% $1,000 -
Armed Forces Bank, National Association 0.75% $500 -
Metz Banking Company 0.75% $1,000 -
Old Missouri Bank 0.75% $1,000 -
Great American Bank 0.75% $1,000 -
Adams Dairy Bank 0.71% $500 -
Bank Of Monticello 0.70% $100,000 -
Citizens' Bank Of Charleston 0.70% $100,000 -
The Business Bank Of Saint Louis 0.70% $100,000 -
Bank 21 0.70% $500 -
First Commercial Bank 0.70% $1 -
Btc Bank 0.70% $500 -
Peoples Bank 0.70% $5,000 -
First Midwest Bank Of Dexter 0.68% $1,000 -
First Midwest Bank Of Poplar Bluff 0.65% $1,000 -
Bank Of Odessa 0.65% $1,000 -
First State Bank And Trust Company, Inc. 0.65% $1,000 -
Mississippi County Savings And Loan Association 0.65% $1,000 -
The Bank Of Advance 0.65% $1,000 -
Fortunebank 0.65% $1,000 -
Farmers State Bank, S/b 0.60% $500 -
Citizens' Bank Of Charleston 0.60% $1,000 -
The Bank Of Versailles 0.60% $500 -
Sterling Bank 0.60% $1,000 -
The Citizens-farmers Bank Of Cole Camp 0.60% $1,000 -
First Midwest Bank Of The Ozarks 0.60% $1,000 -
Southern Bank 0.60% $100,000 -
The Business Bank Of Saint Louis 0.60% $1,000 -
The Mercantile Bank Of Louisiana, Missouri 0.60% $100,000 -
Community Point Bank 0.60% $500 -
Independent Farmers Bank 0.60% $500 -
Freedom Bank Of Southern Missouri 0.60% $1,000 -
Nbkc Bank 0.60% $5,000 -
Heritage Bank Of The Ozarks 0.60% $1,000 -
Quarry City Savings And Loan Association 0.60% $500 -
First State Bank Of Purdy 0.55% $500 -
Midland States Bank 0.55% $500 -
Peoples Bank Of Altenburg 0.55% $500 -
Community State Bank 0.55% $100,000 -
Regional Missouri Bank 0.55% $50,000 -
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 -
The Bank Of Missouri 0.51% $500 -
First Federal Bank Of Kansas City 0.50% $1,000 -
First Missouri Bank 0.50% $25,000 -
Bank Of New Madrid 0.50% $500 -
Southern Bank 0.50% $1,000 -
Parkside Financial Bank & Trust 0.50% $100,000 -
Regional Missouri Bank 0.50% $1,000 -
Wood & Huston Bank 0.50% $1,000 -
Bank Northwest 0.50% $500 -
Homepride Bank 0.50% $500 -
Bank Of Monticello 0.50% $500 -
Hnb National Bank 0.50% $1,000 -
Table Rock Community Bank 0.50% $1,000 -
First Missouri Bank Of Semo 0.50% $500 -
The Corner Stone Bank 0.50% $1,000 -
The Maries County Bank 0.50% $1,000 -
Ozarks Federal Savings And Loan Association 0.50% $500 -
Peoples Bank Of Wyaconda, Missouri 0.50% $500 -
Tri-county Trust Company 0.50% $1,000 -
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 -
Community Bank Of El Dorado Springs 0.50% $1,000 -
The Tipton Latham Bank, National Association 0.50% $500 -
First State Community Bank 0.50% $500 -
Cass Commercial Bank 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
Kennett National Bank 0.46% $500 -
Farmers Bank Of Lincoln 0.45% $50,000 -
American Trust 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 -
Kcb Bank 0.45% $500 -
Enterprise Bank & Trust 0.45% $1,000 -
Mainstreet Bank 0.45% $500 -
Bloomsdale Bank 0.45% $10,000 -
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 -
Adrian Bank 0.45% $1,000 -
First Community National Bank 0.45% $10,000 -
St. Louis Bank 0.45% $5,000 -
Jefferson Bank And Trust Company 0.45% $500 -
Wood & Huston Bank 0.45% $1,000 -
Bank Of Bolivar 0.45% $500 -
Mercantile Bank 0.42% $1,000 -
Silex Banking Company 0.42% $1,000 -
Blue Ridge Bank And Trust Co. 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 -
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 -
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 -
Home Exchange Bank 0.40% $100,000 -
Senath State Bank 0.40% $1,000 -
United State Bank 0.40% $1,000 -
Farmers State Bank 0.40% $100 -
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 -
Bokf, National Association 0.40% $100,001 -
The Bank Of Macks Creek 0.40% $500 -
Farmers Bank Of Lincoln 0.40% $1,000 -
Alton Bank 0.40% $500 -
Oakstar Bank 0.40% $1,000 -
Peoples Bank & Trust Co. 0.40% $1,000 -
Cbc Bank 0.40% $500 -
Exchange Bank Of Northeast Missouri 0.40% $500 -
Carroll County Trust Company Of Carrollton, Missouri 0.40% $500 -
Bank Of Brookfield - Purdin, National Association 0.40% $500 -
First Missouri Bank 0.40% $500 -
First Midwest Bank Of Poplar Bluff 0.40% $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 -
The Pleasant Hill Bank 0.35% $1,000 -
The Missouri Bank 0.35% $1 -
First Collinsville Bank 0.35% $1,000 -
Central Federal Savings And Loan Association Of Rolla 0.35% $500 -
Security Bank Of The Ozarks 0.35% $1,000 -
Citizens Bank Of Eldon 0.35% $1,000 -
Goppert Financial Bank 0.35% $1,000 -
Farmers Bank Of Lohman, Missouri 0.35% $100 -
Wells Bank 0.35% $1,000 -
Bank Of Crocker 0.35% $2,500 -
Midwest Regional Bank 0.35% $1,000 -
Jonesburg State Bank 0.35% $500 -
Great Southern Bank 0.35% $250 -
First Home Bank 0.35% $500 -
F & C Bank 0.35% $50,000 -
The Bank Of Grain Valley 0.35% $1,000 -
Peoples Bank Of Moniteau County 0.35% $500 -
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 -
United Bank Of Union 0.35% $500 -
First Security Bank 0.35% $500 -
1st Cameron State Bank 0.35% $100 -
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 -
Bank Of Hillsboro 0.35% $1,000 -
Bokf, National Association 0.35% $1,000 -
Carrollton Bank 0.35% $10,000 -
The Privatebank And Trust Company 0.35% $100,000 -
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 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 -
Security Bank Of The Ozarks 0.30% $1,000 -
Valley View State Bank 0.30% $500 -
Superior Bank 0.30% $1,000 -
The Merchants And Farmers Bank Of Salisbury 0.30% $1,000 -
Community Bank Of Raymore 0.30% $500 -
The Privatebank And Trust Company 0.30% $1,000 -
Nbh Bank 0.30% $500 -
Community State Bank 0.30% $500 -
Arvest Bank 0.30% $10,000 -
Southwest Missouri Bank 0.30% $500 -
Pony Express Bank 0.30% $500 -
Branson Bank 0.30% $1,000 -
Farmers And Merchants Bank Of St. Clair 0.30% $500 -
West Plains Bank And Trust Company 0.30% $1,000 -
Investors Community Bank 0.30% $10,000 -
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 -
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 -
New Frontier Bank 0.30% $1,000 -
Canton State Bank 0.30% $1,000 -
Bank Of Lee's Summit 0.30% $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 -
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 -
Town & Country Bank Midwest 0.30% $1,000 -
The Bank Of Fairport 0.30% $1,000 -
Citizens Bank And Trust Company 0.30% $500 -
Fmb Bank 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 -
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 -
Providence Bank 0.25% $1,000 -
First Community Bank 0.25% $500 -
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 -
Busey Bank 0.25% $1,000 -
The Bank Of Orrick 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 Bank 0.25% $500 -
Central Bank Of Kansas City 0.25% $500 -
State Bank Of Missouri 0.25% $500 -
County Bank 0.25% $500 -
Country Club Bank 0.25% $50,000 -
Hawthorn Bank 0.25% $1,000 -
Pony Express Community Bank 0.25% $5,000 -
The First National Bank In Carlyle 0.24% $1,000 -
Clay County Savings Bank 0.22% $25,000 -
Peoples Bank 0.21% $100,000 -
Peoples National Bank , N.a. 0.21% $100,000 -
Reliance Bank 0.21% $1,000 -
North American Savings Bank, F.s.b. 0.20% $1,000 -
Central Bank Of St. Louis 0.20% $1,000 -
Banterra Bank 0.20% $1,000 -
First Bank 0.20% $1,000 -
Midwest Regional Bank 0.20% $1,000 -
Century Bank Of The Ozarks 0.20% $1,000 -
Exchange Bank Of Missouri 0.20% $1,000 -
F & C Bank 0.20% $2,500 -
Country Club Bank 0.20% $10,000 -
Citizens Bank 0.20% $1,000 -
Central Bank Of The Ozarks 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 -
The Central Trust Bank 0.20% $25,000 -
Macon-atlanta State Bank 0.20% $500 -
First Clover Leaf Bank, National Association 0.20% $1,000 -
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 -
Bmo Harris 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 -
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 -
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.

Input the numbers

  • 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.

  • «
  • Page 1 of 3
  • 2
  • 3
  • »

Add Your Review

Rate it here →
 

Products by State