Bank · FDIC insured
First National Bank of Raymond CD Rates
First National Bank of Raymond’s best CD rate is 3.76% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Raymond’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First National Bank of Raymond has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Raymond
3.76%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $376
Traditional CD
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
First National Bank of Raymond CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo2.12%
- QualifiedQualified3.76%
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 National Bank of Raymond 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.
Traditional CD
Up to 3.76%APY · 9 terms
Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY assumes interest remains on deposit until maturity | 1.00% | $25 |
| 6 monthsAPY assumes interest remains on deposit until maturity | 1.51% | $75 |
| 12 monthsAPY assumes interest remains on deposit until maturity | 3.76% | $376 |
| 18 monthsAPY assumes interest remains on deposit until maturity | 3.56% | $539 |
| 24 monthsAPY assumes interest remains on deposit until maturity | 2.53% | $512 |
| 30 monthsAPY assumes interest remains on deposit until maturity | 2.27% | $577 |
| 36 monthsAPY assumes interest remains on deposit until maturity | 2.02% | $618 |
| 48 monthsAPY assumes interest remains on deposit until maturity | 2.07% | $854 |
| 60 monthsAPY assumes interest remains on deposit until maturity | 2.12% | $1,106 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Sprout CD
Up to 3.75%APY · 3 terms
For children. Unlimited deposits of $25 or more until age 18 is obtained. Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsAPY assumes interest remains on deposit until maturity | 3.75% | $343 |
| 35 monthsAPY assumes interest remains on deposit until maturity | 2.02% | $601 |
| 59 monthsAPY assumes interest remains on deposit until maturity | 2.12% | $1,087 |
Sources (2)
All captured Oct 6, 2026
Fixed Rate Traditional Individual Retirement Account (IRA)
Up to 3.56%APY · 3 terms
Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAPY assumes interest remains on deposit until maturity | 3.56% | $539 |
| 24 monthsAPY assumes interest remains on deposit until maturity | 2.53% | $512 |
| 36 monthsAPY assumes interest remains on deposit until maturity | 2.02% | $618 |
Sources (1)
- fnbraymond.com/deposit-services/accounts/rates · captured Oct 6, 2026
Roth Individual Retirement Account (IRA)
3.56%APY · 1 term
Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAPY assumes interest remains on deposit until maturity | 3.56% | $539 |
Sources (1)
- fnbraymond.com/deposit-services/accounts/rates · captured Oct 6, 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.