Bank · FDIC insured
Freedom Bank of Southern Missouri CD Rates
Freedom Bank of Southern Missouri’s best CD rate is 4.06% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Freedom Bank of Southern Missouri’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Freedom Bank of Southern Missouri has the most branches. $10,000, best rate first.
This bank’s best
Freedom Bank of Southern Missouri
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Certificates of Deposit
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
Freedom Bank of Southern Missouri CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.09%
- QualifiedQualified4.06%
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 Freedom Bank of Southern Missouri 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 4.06%APY · 9 terms
Automatically renewable at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.76% | $15 |
| 3 months | 3.65% | $90 |
| 6 months | 3.65% | $181 |
| 12 months | 4.06% | $406 |
| 18 months | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 36 months | 3.09% | $956 |
| 48 months | 3.09% | $1,294 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
Individual Retirement Accounts
Up to 4.06%APY · 9 terms
Traditional and Roth IRAs available. Same terms as CDs. No opening or annual fees. Accounts insured separately by FDIC up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.76% | $15 |
| 3 months | 3.65% | $90 |
| 6 months | 3.65% | $181 |
| 12 months | 4.06% | $406 |
| 18 months | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 36 months | 3.09% | $956 |
| 48 months | 3.09% | $1,294 |
| 60 months | 3.00% | $1,593 |
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.