Bank · FDIC insured
Citizens Community Bank CD Rates
Citizens Community Bank’s best CD rate is 4.06% APY on a 17-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens Community Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Citizens Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Community Bank
4.06%APY
- Term
- 17 months
- Minimum
- $5,000
- Earns on $10,000
- $580
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
Citizens Community Bank CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo3.49%
- QualifiedQualified4.06%
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 Citizens Community 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 4.06%APY · 8 terms
Initial Interest Rate Is In Effect Until First Maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 1 Month Interest | 0.50% | $12 |
| 6 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 1 Month Interest | 3.70% | $183 |
| 12 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 1 Month Interest | 3.91% | $391 |
| 17 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest | 4.06% | $580 |
| 24 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest | 3.96% | $808 |
| 36 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest | 3.34% | $1,036 |
| 48 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest | 3.44% | $1,449 |
| 60 monthsQuarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 9 Month Interest | 3.49% | $1,871 |
Sources (1)
- citizenscommunitybank.com/deposit-rates · 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.