Bank · FDIC insured
Bank of Franklin County CD Rates
Bank of Franklin County’s best CD rate is 5.00% APY on an 18-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank of Franklin County’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Bank of Franklin County has the most branches. $10,000, best rate first.
This bank’s best
Bank of Franklin County
5.00%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $759
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 5.00%APY · 11 terms
Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day CD Special | 3.65% | $90 |
| 3 months90 Day CD Special; Preferred Rate with any checking account | 3.75% | $92 |
| 5 months5 Month CD Special | 3.65% | $150 |
| 5 months5 Month CD Special; Preferred Rate with any checking account | 3.75% | $155 |
| 6 months6 Month Certificate | 3.55% | $176 |
| 6 months6 Month Certificate; Preferred Rate with any checking account | 3.65% | $181 |
| 10 months10 Month CD Special | 3.55% | $295 |
| 10 months10 Month CD Special; Preferred Rate with any checking account | 3.65% | $303 |
| 12 months12 Month Certificate | 3.55% | $355 |
| 12 months12 Month Certificate; Preferred Rate with any checking account | 3.65% | $365 |
| 15 months15 Month CD Special | 4.15% | $521 |
| 15 months15 Month CD Special; Preferred Rate with any checking account | 4.25% | $534 |
| 18 months18 Month Certificate | 3.49% | $528 |
| 18 months18 Month Certificate; Preferred Rate with any checking account | 3.60% | $545 |
| 18 months18 Month YOUTH Fair CD Special | 4.90% | $744 |
| 18 months18 Month YOUTH Fair CD Special; Preferred Rate with any checking account | 5.00% | $759 |
| 24 months24 Month Certificate | 3.97% | $810 |
| 24 months24 Month Certificate; Preferred Rate with any checking account | 4.07% | $831 |
| 36 months36 Month Certificate | 3.44% | $1,068 |
| 36 months36 Month Certificate; Preferred Rate with any checking account | 3.55% | $1,103 |
| 48 months48 Month Certificate | 3.44% | $1,449 |
| 48 months48 Month Certificate; Preferred Rate with any checking account | 3.55% | $1,497 |
| 60 months60 Month Certificate | 4.34% | $2,367 |
| 60 months60 Month Certificate; Preferred Rate with any checking account | 4.45% | $2,432 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Educational IRA CD
1.31%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsEducational IRA 60 Mo CD | 1.31% | $672 |
Sources (2)
All captured Sep 17, 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.