Bank · FDIC insured
Constitution Bank CD Rates
Constitution Bank’s best CD rate is 3.35% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Constitution Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Constitution Bank has the most branches. $10,000, best rate first.
This bank’s best
Constitution Bank
3.35%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,791
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
Constitution Bank CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
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 Constitution 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 3.35%APY · 8 terms
Interest compounded daily. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 2.53% | $63 |
| 6 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 2.79% | $139 |
| 12 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.05% | $305 |
| 18 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.10% | $469 |
| 24 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.15% | $640 |
| 36 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.20% | $991 |
| 48 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.30% | $1,387 |
| 60 monthsInterest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs | 3.35% | $1,791 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Accounts
Up to 3.50%APY · 6 terms
Traditional and Roth IRAs offered. Interest compounded daily on all accounts. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 2.53% | $253 |
| 18 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 3.50% | $530 |
| 24 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 2.63% | $533 |
| 36 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 2.63% | $810 |
| 48 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 2.79% | $1,164 |
| 60 monthsFixed Rate. Interest compounded daily; quarterly crediting frequency | 2.74% | $1,447 |
Sources (2)
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.