CD

Maximize your savings with Certificates of Deposit

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Easy to start

                All it takes is a $500 minimum deposit.

Fixed-rate growth

                Lock in a rate over the life of your CD.

Various terms available

                Choose to invest for a few months or several years.

Track savings growth

                Access your account easily in our mobile app.

In time, our CD rates do the work to build up your savings

Put a boost in your savings plan over three months or up to 60 months. It's all up to you when you invest in CDs from The Bank of Missouri. Just choose how long you want to keep your money deposited, and then leave it untouched so you can earn returns effortlessly.

Effective Date: October 27, 2026

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Account	Minimum to Open	Compounding	Interest Rate	APY²	Minimum Balance to Obtain APY
3 Month CD¹	$500	at maturity	2.66%	2.69%	$500
6 Month CD¹	$500	at maturity	3.21%	3.24%	$500
9 Month CD¹	$500	semi-annually	4.09%	4.14%	$500
12 Month CD¹	$500	semi-annually	3.01%	3.03%	$500
13 Month CD¹	$500	semi-annually	3.75%	3.79%	$500
18 Month CD¹	$500	semi-annually	2.90%	2.92%	$500
24 Month CD¹	$500	semi-annually	3.18%	3.21%	$500
36 Month CD¹	$500	semi-annually	2.99%	3.01%	$500
48 Month CD¹	$500	semi-annually	3.06%	3.08%	$500
60 Month CD¹	$500	semi-annually	3.16%	3.18%	$500

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CDARS® and ICS®

With ICS, IntraFi Cash Service, or CDARS, you can enjoy safety, convenience, and returns on your large cash balances. Rest easy with access to millions of dollars in aggregate FDIC insurance across network banks for deposits placed in demand deposit accounts, money market deposit accounts, and CDs—working directly with just our bank.

Note: A list identifying IntraFi^® network banks can be found at www.IntraFi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.

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Roth and Traditional IRA CDs

Individual Retirement Accounts (IRAs) allow you to plan for the future with certain tax advantages.³

Contributions to a Traditional IRA may be fully or partially tax deductible, depending on certain factors. Distributions are taxed.
Contributions to a Roth IRA are never tax-deductible. When certain conditions are met, distributions are income tax-free.

IRAs can be invested in different ways, such as mutual funds or CDs. A CD can be a good fit for those looking to diversify with a lower-risk, fixed-rate option.

There are requirements for the maximum annual amount you can contribute to an IRA and guidelines for the age you draw distributions.

To learn more about opening an IRA CD at The Bank of Missouri, contact us at one of our convenient locations across Missouri.

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Frequently Asked Questions

How does a CD work?

The first step is to decide how much money you want to put in your CD account. Next, choose your term. The term is simply how long your money stays in the CD until it matures. At The Bank of Missouri, you can choose from as short as 3 months to as long as 60 months.

At maturity, you have a few options:

Move your funds to a new CD
Move your funds to a savings or money market account
Adjust your terms to meet your needs
Add money to or withdraw money from the CD

We will send you a notification before your CD matures.

How do I open a CD?

Open an account online in minutes. You'll want the following info handy: Social Security number, a Valid ID and home address for each applicant. Applicants must be at least 18 years old and a US Resident with a US address.

You'll make a deposit to your new account as part of the online account opening process. Transfer funds to your new account from an existing account at another financial institution or from an existing Bank of Missouri account.

Prefer to open your CD in person? No problem! Find a Bank of Missouri location.

How much money do I need to open a CD?

At The Bank of Missouri, you can get started with $500.

Are CDs safe?

CD's are considered a safe financial tool because the rate is guaranteed.

Are CDs FDIC insured?

Yes, if you open your CD at a FDIC-insured bank (like us!). Same as checking and other types of savings accounts, CDs are insured up to the FDIC deposit insurance limit. That's up to $250,000 per depositor, per FDIC-insured bank, per ownership category.

Can I stagger CDs? What is a CD Ladder?

Imagine building a financial staircase to success – that's a CD ladder! Instead of putting all your money in one certificate of deposit, you spread it across multiple CDs with different maturity dates. This way, you always have some funds becoming available regularly, providing flexibility and a steady flow of returns.

Rates are effective 10/27/2026 and are subject to change without notice.

¹A penalty may be imposed for early withdrawal.
²Annual Percentage Yield. Fees may reduce earnings on the account.
³Please consult with a tax or legal professional for guidance on tax implications related to savings products.

ICS and CDARS:

Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi, ICS, IntraFi Cash Service and CDARS are registered service marks of IntraFi LLC.

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