Missouri

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Raytown, Missouri CD Rates 2020

Below are the best one-year CD Rates from banks in Raytown, 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.

Raytown, MO - June 6, 2020

1 Year CD National Average : 0.46% ?

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Banks APY MIN MILES ?
1.51% $1,000 5662.27 Learn More
1.51% $1,000 5670.38 Learn More
1.35% $1,000 5582.33 Learn More
1.25% $1,000 5629.52 Learn More
1.15% $1,000 5684.21 Learn More
1.09% $1,000 5399.01 Learn More
1.01% $1,000 5570.64 Learn More
1.00% $100,000 5467.73 Learn More
1.00% $1,000 5570.41 Learn More
1.00% $50,000 5458.31 Learn More
1.00% $1,000 5699.06 Learn More
1.00% $500 5525.83 Learn More
1.00% $500 5579.96 Learn More
1.00% $1,000 5607.75 Learn More
1.00% $1,000 5476.37 Learn More
1.00% $1,000 5470.27 Learn More
1.00% $500 5627.06 Learn More
1.00% $100,000 5667.33 Learn More
1.00% $1,000 5482.95 Learn More
1.00% $1,000 5487.97 Learn More
1.00% $1,000 5490.46 Learn More
0.95% $1,000 5643.19 Learn More
0.92% $500 5573.00 Learn More
0.92% $1,000 5613.43 Learn More
0.90% $1,000 5557.60 Learn More
0.90% $1,000 5577.74 Learn More
0.90% $1,000 5563.18 Learn More
0.90% $100,000 5490.20 Learn More
0.90% $1,000 5618.03 Learn More
0.85% $500 5594.06 Learn More
0.85% $500 5554.87 Learn More
0.85% $100,000 5595.69 Learn More
0.85% $100,000 5379.07 Learn More
0.85% $1,000 5656.22 Learn More
0.85% $100,000 5596.38 Learn More
0.85% $1,000 5424.37 Learn More
0.85% $1,000 5579.71 Learn More
0.85% $500 5639.07 Learn More
0.85% $1,000 5546.48 Learn More
0.80% $500 6170.62 Learn More
0.80% $1,000 5526.59 Learn More
0.80% $2,000 5573.78 Learn More
0.80% $1,000 5477.90 Learn More
0.80% $500 5710.39 Learn More
0.80% $1,000 5448.55 Learn More
0.80% $100,000 5568.15 Learn More
0.80% $1,000 5490.20 Learn More
0.80% $1,000 5482.25 Learn More
0.80% $100,000 5490.01 Learn More
0.75% $500 5502.08 Learn More
0.75% $1,000 5660.92 Learn More
0.75% $500 5467.73 Learn More
0.75% $1,000 5553.58 Learn More
0.75% $10,000 5458.31 Learn More
0.75% $500 5692.75 Learn More
0.75% $35,000 5576.59 Learn More
0.75% $1,000 5379.07 Learn More
0.75% $10,000 5490.51 Learn More
0.75% $1,000 5708.00 Learn More
0.75% $500 5637.58 Learn More
0.75% $1,000 5479.22 Learn More
0.75% $500 5585.31 Learn More
0.75% $50,000 5606.50 Learn More
0.75% $1 5476.35 Learn More
0.75% $1,000 5587.46 Learn More
0.75% $500 5457.25 Learn More
0.75% $1,000 5623.59 Learn More
0.75% $500 5643.62 Learn More
0.75% $1,000 5474.19 Learn More
0.75% $10,000 5636.29 Learn More
0.75% $1,000 5411.16 Learn More
0.75% $1,000 5542.26 Learn More
0.75% $1,000 5490.01 Learn More
0.74% $100,000 5563.65 Learn More
0.71% $1,000 5485.24 Learn More
0.71% $5,000 5512.42 Learn More
0.70% $100,000 5504.82 Learn More
0.70% $500 5652.63 Learn More
0.70% $500 5643.51 Learn More
0.70% $50,000 5669.16 Learn More
0.70% $1,000 5562.89 Learn More
0.70% $1,000 5474.19 Learn More
0.70% $1,000 5568.15 Learn More
0.70% $100,000 5542.26 Learn More
0.70% $500 5506.65 Learn More
0.69% $10,000 5563.65 Learn More
0.67% $500 5591.37 Learn More
0.66% $500 5430.25 Learn More
0.66% $500 5389.56 Learn More
0.65% $500 5595.69 Learn More
0.65% $1,000 5553.54 Learn More
0.65% $1,000 5587.17 Learn More
0.65% $500 5661.93 Learn More
0.65% $100,000 5607.78 Learn More
0.65% $500 5606.51 Learn More
0.65% $1,000 5403.30 Learn More
0.65% $1,000 5379.31 Learn More
0.65% $500 5520.05 Learn More
0.65% $500 5490.09 Learn More
0.65% $1,000 5587.46 Learn More
0.65% $500 5606.33 Learn More
0.65% $1,000 5539.90 Learn More
0.65% $50,000 5618.02 Learn More
0.65% $100,000 5482.08 Learn More
0.62% $1,000 5572.32 Learn More
0.60% $500 5652.32 Learn More
0.60% $500 5542.26 Learn More
0.60% $500 5376.32 Learn More
0.60% $1,000 5504.82 Learn More
0.60% $1,000 5648.61 Learn More
0.60% $500 5585.34 Learn More
0.60% $500 5596.38 Learn More
0.60% $500 5545.41 Learn More
0.60% $10,000 5669.16 Learn More
0.60% $500 5501.99 Learn More
0.60% $1,000 5403.30 Learn More
0.60% $1,000 5417.81 Learn More
0.60% $500 5606.50 Learn More
0.60% $1,000 5480.25 Learn More
0.60% $1,000 5486.18 Learn More
0.60% $10,000 5642.87 Learn More
0.60% $1,000 5504.93 Learn More
0.60% $500 5643.77 Learn More
0.60% $1,000 5482.57 Learn More
0.60% $1,000 5541.72 Learn More
0.60% $1,000 5482.08 Learn More
0.60% $1,000 5712.03 Learn More
0.60% $500 5564.17 Learn More
0.60% $1,000 5630.74 Learn More
0.55% $1,000 5558.99 Learn More
0.55% $10,000 5576.59 Learn More
0.55% $500 5609.44 Learn More
0.55% $50,000 5612.89 Learn More
0.55% $500 5646.79 Learn More
0.55% $1,000 5549.64 Learn More
0.55% $1,000 5729.66 Learn More
0.55% $1,000 5391.45 Learn More
0.55% $1,000 5531.54 Learn More
0.55% $1,000 5623.20 Learn More
0.51% $500 5596.79 Learn More
0.50% $500 5677.74 Learn More
0.50% $500 5535.43 Learn More
0.50% $500 5707.38 Learn More
0.50% $500 5657.24 Learn More
0.50% $2,500 5542.36 Learn More
0.50% $1,000 5554.87 Learn More
0.50% $500 5631.91 Learn More
0.50% $1,000 5505.90 Learn More
0.50% $5,000 5510.66 Learn More
0.50% $500 5681.48 Learn More
0.50% $1,000 5619.31 Learn More
0.50% $1,000 5489.18 Learn More
0.50% $500 5607.78 Learn More
0.50% $1,000 5628.26 Learn More
0.50% $500 5575.47 Learn More
0.50% $1,000 5612.89 Learn More
0.50% $100 5773.43 Learn More
0.50% $1,000 5403.30 Learn More
0.50% $1,000 5449.48 Learn More
0.50% $500 5646.79 Learn More
0.50% $500 5396.04 Learn More
0.50% $1,000 5493.75 Learn More
0.50% $10,000 5692.68 Learn More
0.50% $1,000 5594.43 Learn More
0.50% $500 5628.35 Learn More
0.50% $1,000 5523.15 Learn More
0.50% $500 5413.65 Learn More
0.50% $500 5513.55 Learn More
0.50% $500 5674.09 Learn More
0.50% $500 5667.33 Learn More
0.50% $1,000 5618.02 Learn More
0.50% $1,000 5561.13 Learn More
0.50% $1,000 5673.91 Learn More
0.50% $1,000 5511.30 Learn More
0.50% $1,000 5615.69 Learn More
0.50% $1,000 5609.31 Learn More
0.50% $50,000 5688.68 Learn More
0.50% $1,000 5693.34 Learn More
0.50% $1,000 5525.05 Learn More
0.50% $50,000 5619.02 Learn More
0.50% $1,000 5535.07 Learn More
0.50% $1,000 5583.19 Learn More
0.50% $1,000 5630.74 Learn More
0.46% $500 5669.72 Learn More
0.45% $500 5509.84 Learn More
0.45% $100,000 5767.31 Learn More
0.45% $1,000 5692.05 Learn More
0.45% $1,000 5697.78 Learn More
0.45% $100,000 5687.37 Learn More
0.45% $500 5628.44 Learn More
0.45% $2,500 5576.00 Learn More
0.45% $1,000 5622.57 Learn More
0.45% $500 5758.95 Learn More
0.45% $1,000 5485.16 Learn More
0.41% $1 5692.24 Learn More
0.40% $1,000 5639.33 Learn More
0.40% $500 5671.95 Learn More
0.40% $1 5720.32 Learn More
0.40% $1,000 5480.22 Learn More
0.40% $500 5637.77 Learn More
0.40% $500 5646.79 Learn More
0.40% $500 5558.70 Learn More
0.40% $100,000 5482.64 Learn More
0.40% $500 5591.49 Learn More
0.40% $10,000 5688.68 Learn More
0.40% $10,000 5619.02 Learn More
0.40% $1,000 5599.26 Learn More
0.40% $1,000 5733.95 Learn More
0.35% $95,000 5583.40 Learn More
0.35% $500 5496.71 Learn More
0.35% $1,000 5402.58 Learn More
0.35% $500 5429.73 Learn More
0.35% $50,000 5654.24 Learn More
0.35% $500 5572.85 Learn More
0.35% $500 5724.42 Learn More
0.35% $250 5599.08 Learn More
0.35% $500 5534.07 Learn More
0.35% $1,000 5556.59 Learn More
0.35% $500 5480.59 Learn More
0.35% $10,000 5482.64 Learn More
0.35% $500 5679.29 Learn More
0.35% $500 5624.60 Learn More
0.35% $500 5596.68 Learn More
0.35% $100 5699.62 Learn More
0.31% $1,000 0.00 Learn More
0.31% $1,000 5509.88 Learn More
0.31% $100,000 5482.13 Learn More
0.31% $500 5651.08 Learn More
0.30% $500 5484.90 Learn More
0.30% $500 5693.51 Learn More
0.30% $500 5767.31 Learn More
0.30% $500 5671.11 Learn More
0.30% $500 5637.77 Learn More
0.30% $1,000 5485.54 Learn More
0.30% $2,500 5658.90 Learn More
0.30% $10,000 5687.37 Learn More
0.30% $10,000 5669.74 Learn More
0.30% $1,000 5682.97 Learn More
0.30% $1,000 5495.37 Learn More
0.30% $1,000 5520.12 Learn More
0.30% $1,000 5676.89 Learn More
0.30% $1,000 5731.34 Learn More
0.30% $500 5684.66 Learn More
0.30% $500 5749.52 Learn More
0.25% $10,000 5583.40 Learn More
0.25% $1 5572.14 Learn More
0.25% $2,500 5654.24 Learn More
0.25% $1,000 5565.42 Learn More
0.25% $500 5610.78 Learn More
0.25% $10,000 5512.50 Learn More
0.25% $1,000 5551.01 Learn More
0.25% $500 5580.89 Learn More
0.25% $1,000 5547.05 Learn More
0.25% $500 5585.66 Learn More
0.25% $10,000 5482.13 Learn More
0.25% $1,000 5584.58 Learn More
0.25% $1,000 5490.76 Learn More
0.25% $1,000 5485.06 Learn More
0.25% $100,000 5565.96 Learn More
0.25% $500 5650.70 Learn More
0.25% $500 5587.33 Learn More
0.20% $1,000 5521.57 Learn More
0.20% $25,000 5692.79 Learn More
0.20% $1,000 5485.87 Learn More
0.20% $1,000 5547.40 Learn More
0.20% $500 5654.46 Learn More
0.20% $1,000 5729.66 Learn More
0.20% $1,000 5684.66 Learn More
0.20% $5,000 5551.47 Learn More
0.20% $1,000 5565.96 Learn More
0.19% $500 5545.72 Learn More
0.16% $100,000 5512.42 Learn More
0.15% $1,000 5635.87 Learn More
0.15% $1,000 0.00 Learn More
0.15% $25,000 5689.57 Learn More
0.15% $5,000 5477.90 Learn More
0.15% $1,000 5390.98 Learn More
0.15% $1,000 5477.19 Learn More
0.15% $500 5592.16 Learn More
0.14% $500 5692.79 Learn More
0.13% $10,000 5512.42 Learn More
0.10% $100,001 5694.68 Learn More
0.10% $10,000 5680.59 Learn More
0.10% $1,000 5488.59 Learn More
0.10% $1,000 5486.16 Learn More
0.10% $10,000 5482.10 Learn More
0.10% $10,000 5689.57 Learn More
0.10% $1,000 5477.19 Learn More
0.10% $500 5482.70 Learn More
0.10% $10,000 5482.02 Learn More
0.10% $10,000 5620.78 Learn More
0.07% $10,000 5475.57 Learn More
0.05% $10,000 5475.57 Learn More
0.05% $1,000 5694.68 Learn More
0.05% $500 5670.33 Learn More
0.02% $1,000 5610.20 Learn More
0.01% $1,000 5482.26 Learn More
0.01% $1,000 5681.14 Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2020

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, 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

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

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