Bank · FDIC insured
First National Bank of Waterloo CD Rates
First National Bank of Waterloo’s best CD rate is 3.96% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Waterloo’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First National Bank of Waterloo has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Waterloo
3.96%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $808
Certificate 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
First National Bank of Waterloo CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo3.96%
- 31–60 months31–60 mo3.39%
- QualifiedQualified3.96%
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 Waterloo 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.
Certificate of Deposit
Up to 3.96%APY · 11 terms
Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.98% | $74 |
| 6 months | 3.70% | $183 |
| 12 months | 3.91% | $391 |
| 15 months | 1.26% | $158 |
| 17 months | 3.29% | $469 |
| 24 months | 3.96% | $808 |
| 33 months | 3.24% | $916 |
| 34 months | 2.78% | $808 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.34% | $1,404 |
| 60 months | 3.29% | $1,757 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account
Up to 3.96%APY · 11 terms
Available in Traditional, Roth, and SEP. Fixed and variable rates available. $250 minimum balance required to obtain APY for 18 Month Variable IRA; $1,000 minimum balance required to obtain APY for all other IRAs. Fixed Rate IRAs share the standard CD rate schedule.
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.70% | 3.70% | $183 |
| 12 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.91% | 3.91% | $391 |
| 15 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 1.26% | 1.26% | $158 |
| 17 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.29% | 3.29% | $469 |
| 18 monthsVariable Rate Compounded Monthly. APY may change after account is opened | 3.34% | — | 3.34% | $505 |
| 24 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.96% | 3.96% | $808 |
| 33 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.24% | 3.24% | $916 |
| 34 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 2.78% | 2.78% | $808 |
| 36 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.39% | 3.39% | $1,052 |
| 48 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.34% | 3.34% | $1,404 |
| 60 monthsFixed Rate IRA. Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal | — | 3.29% | 3.29% | $1,757 |
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.