Bank · FDIC insured
CNB St. Louis Bank CD Rates
Top CarrotCNB St. Louis Bank’s best CD rate is 3.90% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How CNB St. Louis Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where CNB St. Louis Bank has the most branches. $10,000, best rate first.
This bank’s best
CNB St. Louis Bank
3.90%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $226
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
CNB St. Louis Bank CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo1.26%
- QualifiedQualified3.90%
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 CNB St. Louis 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 3.90%APY · 10 terms
Early withdrawal penalties may apply. Fees may reduce earnings. Quarterly compounding interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.15% | $4 |
| 6 months | 2.02% | $100 |
| 7 monthsLimited time special promotion. Not eligible for monthly or quarterly interest checks | 3.90% | $226 |
| 11 monthsLimited time special promotion. Not eligible for monthly or quarterly interest checks | 3.90% | $357 |
| 12 months | 2.50% | $250 |
| 18 monthsLimited time special promotion. Not eligible for monthly or quarterly interest checks | 3.70% | $560 |
| 24 months | 2.75% | $558 |
| 36 months | 1.05% | $318 |
| 48 months | 1.10% | $447 |
| 60 months | 1.26% | $646 |
Special-purpose accounts
IRA CD
Up to 4.13%APY · 3 terms
Early withdrawal penalties may apply. Fees may reduce earnings. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.50% | $377 |
| 18 monthsVariable rate; the interest rate and annual percentage yield are subject to change after account opening | 4.13% | $626 |
| 36 months | 1.05% | $318 |
| 60 months | 1.26% | $646 |
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.