Bank · FDIC insured
1st Advantage Bank CD Rates
1st Advantage Bank’s best CD rate is 3.95% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How 1st Advantage Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where 1st Advantage Bank has the most branches. $10,000, best rate first.
This bank’s best
1st Advantage Bank
3.95%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $229
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
1st Advantage Bank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.95%
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 1st Advantage 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 3.95%APY · 12 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 3.35% | $83 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.35% | $166 |
| 7 monthsSpecial rate. ADVANTAGE customers not eligible for higher rate with this CD special. Penalty may be imposed for early withdrawal | 3.95% | $229 |
| 11 monthsSpecial rate. ADVANTAGE customers not eligible for higher rate with this CD special. Penalty may be imposed for early withdrawal | 3.95% | $361 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.45% | $345 |
| 14 months14 month Access CD Special. ADVANTAGE customers not eligible for higher rate with this CD special | 3.51% | $411 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.51% | $531 |
| 20 monthsSpecial rate. ADVANTAGE customers not eligible for higher rate with this CD special. Penalty may be imposed for early withdrawal | 3.95% | $667 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.55% | $723 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.60% | $1,119 |
| 48 monthsPenalty may be imposed for early withdrawal | 3.70% | $1,564 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.75% | $2,021 |
Sources (3)
- 1stadvantagebank.com/personal/…tes-of-deposits-and-iras
- 1stadvantagebank.com/services-and-resources/rates
- 1stadvantagebank.com/cd-promo
All captured Oct 16, 2026
Special-purpose accounts
Regular IRA Certificates
Up to 3.75%APY · 8 terms
Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty may be imposed for early withdrawal | 3.35% | $83 |
| 6 monthsPenalty may be imposed for early withdrawal | 3.35% | $166 |
| 12 monthsPenalty may be imposed for early withdrawal | 3.45% | $345 |
| 18 monthsPenalty may be imposed for early withdrawal | 3.51% | $531 |
| 24 monthsPenalty may be imposed for early withdrawal | 3.55% | $723 |
| 36 monthsPenalty may be imposed for early withdrawal | 3.60% | $1,119 |
| 48 monthsPenalty may be imposed for early withdrawal | 3.70% | $1,564 |
| 60 monthsPenalty may be imposed for early withdrawal | 3.75% | $2,021 |
Sources (2)
- 1stadvantagebank.com/personal/…tes-of-deposits-and-iras
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
Closed to new customers
ADVANTAGE Certificates of Deposit
Up to 4.01%APY · 8 terms
Rates exclusive to ADVANTAGE Checking Account customers. To obtain advertised APY, customer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.61% | $89 |
| 6 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.61% | $179 |
| 12 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.71% | $371 |
| 18 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.76% | $569 |
| 24 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.80% | $774 |
| 36 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.85% | $1,200 |
| 48 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.96% | $1,681 |
| 60 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 4.01% | $2,172 |
Sources (2)
- 1stadvantagebank.com/personal/…tes-of-deposits-and-iras
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
ADVANTAGE IRA Certificates
Up to 4.01%APY · 8 terms
Rates exclusive to ADVANTAGE Checking Account customers. To obtain advertised APY, customer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.61% | $89 |
| 6 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.61% | $179 |
| 12 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.71% | $371 |
| 18 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.76% | $569 |
| 24 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.80% | $774 |
| 36 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.85% | $1,200 |
| 48 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 3.96% | $1,681 |
| 60 monthsCustomer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. Penalty may be imposed for early withdrawal | 4.01% | $2,172 |
Sources (2)
- 1stadvantagebank.com/personal/…tes-of-deposits-and-iras
- 1stadvantagebank.com/services-and-resources/rates
All 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.