Bank · FDIC insured
1NB Bank CD Rates
1NB Bank’s best CD rate is 3.54% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How 1NB Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where 1NB Bank has the most branches. $10,000, best rate first.
This bank’s best
1NB Bank
3.54%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,900
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
1NB Bank CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.54%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1NB Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.54%APY · 8 terms
Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 2.26% | $56 |
| 6 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 2.52% | $125 |
| 12 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 2.78% | $278 |
| 18 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 2.78% | $420 |
| 24 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 3.29% | $669 |
| 36 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 3.39% | $1,052 |
| 48 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 3.49% | $1,471 |
| 60 monthsAssumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly | 3.54% | $1,900 |
Sources (1)
- 1nbbank.bank/services · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.