Bank · FDIC insured
FOCUS Bank CD Rates
FOCUS Bank’s best CD rate is 4.05% APY on an 11-month CD. Terms run from 7 months to 11 months. Rates checked October 16, 2026.
How FOCUS Bank’s CD rates compare
Compared with banks and credit unions in Missouri, where FOCUS Bank has the most branches. $10,000, best rate first.
This bank’s best
FOCUS Bank
4.05%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $371
Online Only CD Specials
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Online Only CD Specials
Up to 4.05%APY · 2 terms
Online only CD special offers. Member FDIC.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsInterest is compounded quarterly. Auto-renew provision with certificate renewing for 6 months at the going rate. Penalty for early withdrawal | 4.01% | $232 |
| 11 monthsInterest is compounded quarterly. Auto-renew provision with certificate renewing for 12 months at the going rate. Penalty for early withdrawal | 4.05% | $371 |
Sources (2)
All captured Sep 17, 2026
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