Bank · FDIC insured
Community Bank of Missouri CD Rates
Community Bank of Missouri’s best CD rate is 4.16% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Community Bank of Missouri’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Community Bank of Missouri has the most branches. $10,000, best rate first.
This bank’s best
Community Bank of Missouri
4.16%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $241
Certificates of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Community Bank of Missouri CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo0.90%
- QualifiedQualified3.80%
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 Community Bank of Missouri 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 4.16%APY · 10 terms
For both short- and long-term savings, ranging from 30 days to 60 months. Minimum balance to open is $500.00. An interest penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthAn interest penalty may be imposed for early withdrawals. 30 Day CD | 0.05% | $0 |
| 3 monthsAn interest penalty may be imposed for early withdrawals. 90 Day CD | 0.15% | $4 |
| 6 monthsAn interest penalty may be imposed for early withdrawals. 180 Day CD | 0.20% | $10 |
| 7 monthsAn interest penalty may be imposed for early withdrawals. 7 Month CD | 4.16% | $241 |
| 12 monthsAn interest penalty may be imposed for early withdrawals. 12 Month CD | 3.80% | $380 |
| 18 monthsAn interest penalty may be imposed for early withdrawals. 18 Month CD | 0.40% | $60 |
| 24 monthsAn interest penalty may be imposed for early withdrawals. 24 Month CD | 0.60% | $120 |
| 36 monthsAn interest penalty may be imposed for early withdrawals. 36 Month CD | 0.90% | $272 |
| 48 monthsAn interest penalty may be imposed for early withdrawals. 48 Month CD | 0.90% | $365 |
| 60 monthsAn interest penalty may be imposed for early withdrawals. 60 Month CD | 0.90% | $458 |
Sources (2)
- communitybankmissouri.com/pers…/certificates-of-deposit
- communitybankmissouri.com/reso…s/current-rates-and-fees
All captured Oct 16, 2026
Dream Savers Certificate of Deposit
3.80%APY · 1 term
Deposits may be made in the amount of $20.00 or more at any time. Funds may be withdrawn without penalty under certain circumstances such as buying or renovating a home, medical, or college expenses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAn interest penalty may be imposed for early withdrawals. Criteria for withdrawal without penalty: Purchasing a home, medical emergency or college tuition. Minimum balance to open is $200.00 | 3.80% | $380 |
Sources (2)
- communitybankmissouri.com/pers…/certificates-of-deposit
- communitybankmissouri.com/reso…s/current-rates-and-fees
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.16%APY · 10 terms
All Certificate of Deposits can be opened as an Individual Retirement Account (IRA). Also offers a 12-month and 24-month ROTH IRA Certificate of Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthAn interest penalty may be imposed for early withdrawals. 30 Day CD | 0.05% | $0 |
| 3 monthsAn interest penalty may be imposed for early withdrawals. 90 Day CD | 0.15% | $4 |
| 6 monthsAn interest penalty may be imposed for early withdrawals. 180 Day CD | 0.20% | $10 |
| 7 monthsAn interest penalty may be imposed for early withdrawals. 7 Month CD | 4.16% | $241 |
| 12 monthsAn interest penalty may be imposed for early withdrawals. 12 Month CD | 3.80% | $380 |
| 18 monthsAn interest penalty may be imposed for early withdrawals. 18 Month CD | 0.40% | $60 |
| 24 monthsAn interest penalty may be imposed for early withdrawals. 24 Month CD | 0.60% | $120 |
| 36 monthsAn interest penalty may be imposed for early withdrawals. 36 Month CD | 0.90% | $272 |
| 48 monthsAn interest penalty may be imposed for early withdrawals. 48 Month CD | 0.90% | $365 |
| 60 monthsAn interest penalty may be imposed for early withdrawals. 60 Month CD | 0.90% | $458 |
Sources (2)
- communitybankmissouri.com/pers…/certificates-of-deposit
- communitybankmissouri.com/reso…s/current-rates-and-fees
All captured Oct 16, 2026
IRA Certificates of Deposit
Up to 4.16%APY · 10 terms
All Certificate of Deposits can be opened as an Individual Retirement Account (IRA). We also offer a 12-month and a 24-month ROTH IRA Certificate of Deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.05% | $0 |
| 3 months | 0.15% | $4 |
| 6 months | 0.20% | $10 |
| 7 months | 4.16% | $241 |
| 12 months | 3.80% | $380 |
| 18 months | 0.40% | $60 |
| 24 months | 0.60% | $120 |
| 36 months | 0.90% | $272 |
| 48 months | 0.90% | $365 |
| 60 months | 0.90% | $458 |
Sources (2)
- communitybankmissouri.com/pers…/certificates-of-deposit
- communitybankmissouri.com/reso…s/current-rates-and-fees
All captured Oct 16, 2026
Junior Dream Savers Certificate of Deposit
3.80%APY · 1 term
The same rate and benefits as the Dream Savers Certificate of Deposit except funds may be withdrawn without penalty under circumstances such as purchasing a car, laptop, or other college expense.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAn interest penalty may be imposed for early withdrawals. Criteria for withdrawal without penalty: Purchasing a car, laptop or other college expenses. Minimum balance to open is $200.00 | 3.80% | $380 |
Sources (2)
- communitybankmissouri.com/pers…/certificates-of-deposit
- communitybankmissouri.com/reso…s/current-rates-and-fees
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.