Bank · FDIC insured
First Bank of the Lake CD Rates
Top CarrotFirst Bank of the Lake’s best CD rate is 4.55% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Bank of the Lake’s CD rates compare
Compared with banks and credit unions in Missouri, where First Bank of the Lake has the most branches. $10,000, best rate first.
This bank’s best
First Bank of the Lake
4.55%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $263
Certificates of Deposit (CDs)
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
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
First Bank of the Lake CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.55%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.55%
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 First Bank of the Lake 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 (CDs)
Up to 4.55%APY · 10 terms
Rates effective as of October 14, 2026. Opening deposits: $1,000 minimum (in-branch), $5,000 minimum (online). Max deposit $500,000 per account. FDIC insurance limited to legal maximum. Penalty may be imposed for early withdrawal. Fees could reduce earnings. No institutional funds in branch; no business or institutional funds online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsIn-branch opening only. Not offered online | 3.40% | $84 |
| 6 monthsIn-branch opening | 3.35% | $166 |
| 6 monthsOnline opening only | 3.35% | $166 |
| 7 monthsIn-branch opening | 4.55% | $263 |
| 7 monthsOnline opening only | 4.55% | $263 |
| 12 monthsIn-branch opening | 3.35% | $335 |
| 12 monthsOnline opening only | 3.35% | $335 |
| 18 monthsIn-branch opening | 3.35% | $507 |
| 18 monthsOnline opening only | 3.35% | $507 |
| 20 monthsIn-branch opening | 4.45% | $753 |
| 20 monthsOnline opening only | 4.45% | $753 |
| 24 monthsIn-branch opening | 3.15% | $640 |
| 24 monthsOnline opening only | 3.15% | $640 |
| 36 monthsIn-branch opening | 3.15% | $975 |
| 36 monthsOnline opening only | 3.15% | $975 |
| 48 monthsIn-branch opening | 3.15% | $1,321 |
| 48 monthsOnline opening only | 3.15% | $1,321 |
| 60 monthsIn-branch opening | 3.40% | $1,820 |
| 60 monthsOnline opening only | 3.40% | $1,820 |
Sources (1)
- fblake.bank/rates · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account CDs
Up to 4.45%APY · 7 terms
Limited to in-branch opening. Terms 12 months or greater. Opening deposit $1,000 minimum. Max deposit $500,000 per account. Rates effective as of October 14, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIn-branch opening only. Term 12 months | 3.35% | $335 |
| 18 monthsIn-branch opening only. Term 18 months | 3.35% | $507 |
| 20 monthsIn-branch opening only. Term 20 months | 4.45% | $753 |
| 24 monthsIn-branch opening only. Term 24 months | 3.15% | $640 |
| 36 monthsIn-branch opening only. Term 36 months | 3.15% | $975 |
| 48 monthsIn-branch opening only. Term 48 months | 3.15% | $1,321 |
| 60 monthsIn-branch opening only. Term 60 months | 3.40% | $1,820 |
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.