Bank · FDIC insured
FMB CD Rates
FMB’s best CD rate is 4.60% APY on a 5-month CD. Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How FMB’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where FMB has the most branches. $10,000, best rate first.
This bank’s best
FMB
4.60%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $189
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
FMB CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.60%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo4.60%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.60%
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 FMB 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 4.60%APY · 12 terms
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsNew Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to a 3-Month term. Penalty for early withdrawal | 4.60% | $189 |
| 6 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 0.40% | $20 |
| 7 monthsInterest compounded monthly. Penalty may be imposed for early withdrawals | 4.13% | $239 |
| 11 monthsNew Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to an 11-Month term. Penalty for early withdrawal | 4.60% | $421 |
| 12 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 3.80% | $380 |
| 13 monthsInterest compounded monthly. Penalty may be imposed for early withdrawals | 4.20% | $456 |
| 18 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 1.50% | $226 |
| 19 monthsNew Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to an 18-Month term. Penalty for early withdrawal | 4.60% | $738 |
| 24 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 3.80% | $774 |
| 36 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 2.50% | $769 |
| 48 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 2.50% | $1,038 |
| 60 monthsInterest compounded quarterly. Penalty may be imposed for early withdrawals | 2.50% | $1,314 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Accounts
Up to 3.80%APY · 5 terms
Penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Interest compounded quarterly. Penalty may be imposed for early withdrawals | 3.80% | $380 |
| 18 monthsVariable rate. Interest compounded quarterly. Penalty may be imposed for early withdrawals | 1.50% | $226 |
| 24 monthsFixed rate. Interest compounded quarterly. Penalty may be imposed for early withdrawals | 3.80% | $774 |
| 36 monthsFixed rate. Interest compounded quarterly. Penalty may be imposed for early withdrawals | 2.50% | $769 |
| 60 monthsFixed rate. Interest compounded quarterly. Penalty may be imposed for early withdrawals | 2.50% | $1,314 |
Sources (1)
- fmb4banking.bank/personal/current-rates · captured Oct 5, 2026
Opening an account
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