Bank · FDIC insured
Great Rivers Bank CD Rates
Great Rivers Bank’s best CD rate is 4.25% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Great Rivers Bank’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where Great Rivers Bank has the most branches. $10,000, best rate first.
This bank’s best
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
Certificates of Deposit (CDs)
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
3rd-highest rate
Heartland Bank and Trust Company
4.10%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $801
Great Rivers Bank CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo2.26%
- QualifiedQualified4.25%
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 Great Rivers Bank 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 (CDs)
Up to 4.25%APY · 12 terms
Penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.35% | — | 0.35% | $9 |
| 6 months | 3.70% | — | 3.70% | $183 |
| 9 months | 0.80% | — | 0.80% | $60 |
| 10 months | — | 4.00% | 4.00% | $332 |
| 12 months | 1.00% | — | 1.00% | $100 |
| 15 months | — | 3.25% | 3.25% | $408 |
| 18 months | — | 4.25% | 4.25% | $644 |
| 24 months | — | 2.01% | 2.01% | $406 |
| 30 months | — | 2.10% | 2.10% | $533 |
| 36 months | — | 2.00% | 2.00% | $612 |
| 48 months | — | 2.01% | 2.01% | $829 |
| 60 months | — | 2.26% | 2.26% | $1,182 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
1.86%APY · 6 terms
No setup or maintenance fees. Funds can be used to purchase Time Deposit Open Accounts within IRA. Traditional and Roth IRAs available. Rates subject to change at any time. Fees may reduce earnings. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.86% | $186 |
| 18 months | 1.86% | $280 |
| 24 months | 1.86% | $375 |
| 30 months | 1.86% | $472 |
| 36 months | 1.86% | $568 |
| 48 months | 1.86% | $765 |
Sources (2)
All captured Sep 17, 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.