Bank · FDIC insured
MA Bank CD Rates
MA Bank’s best CD rate is 3.85% APY on a 42-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MA Bank’s CD rates compare
Compared with banks and credit unions near Kirksville, MO, where MA Bank has the most branches. $10,000, best rate first.
This bank’s best
MA Bank
3.85%APY
- Term
- 42 months
- Minimum
- $500
- Earns on $10,000
- $1,414
Certificates of Deposit
Top rate
PSB Bank
4.07%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $723
2nd-highest rate
Horizon Credit Union
3.85%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $785
MA Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
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 MA 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
Up to 3.85%APY · 10 terms
To open a CD online, must be a resident of specific Missouri counties (Adair, Chariton, Clark, Knox, Lewis, Linn, Macon, Marion, Monroe, Putnam, Ralls, Randolph, Schuyler, Scotland, Shelby, Sullivan), otherwise call or use online/mobile banking app. CD APYs are based on quarterly compounding. Fees could reduce earnings. Substantial penalty for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm is 91 Days. Minimum balance required to open account and obtain Annual Percentage Yield | — | 0.50% | 0.50% | $12 |
| 6 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 1.26% | — | 1.26% | $63 |
| 9 months9 Month Special. Minimum balance required to open account and obtain Annual Percentage Yield | 3.65% | — | 3.65% | $273 |
| 12 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 1.76% | — | 1.76% | $176 |
| 21 months21 Month Special. Minimum balance required to open account and obtain Annual Percentage Yield | 3.75% | — | 3.75% | $665 |
| 24 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 2.02% | — | 2.02% | $408 |
| 36 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 2.27% | — | 2.27% | $697 |
| 42 months42 Month Special. Minimum balance required to open account and obtain Annual Percentage Yield | 3.85% | — | 3.85% | $1,414 |
| 48 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 2.52% | — | 2.52% | $1,047 |
| 60 monthsMinimum balance required to open account and obtain Annual Percentage Yield | 3.03% | — | 3.03% | $1,610 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 3.85%APY · 11 terms
Fixed rate IRA are subject to Certificate of Deposit rates. Substantial penalty for early withdrawal. CD APYs are based on quarterly compounding.
| Term | APY · $50 and up | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Days term. Fixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | — | 0.50% | 0.50% | $12 |
| 6 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 1.26% | — | 1.26% | $63 |
| 9 months9 Month Special. Fixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 3.65% | — | 3.65% | $273 |
| 12 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 1.76% | — | 1.76% | $176 |
| 18 monthsVariable IRA-18 month. This rate may change after account is opened. Minimum balance required to open account and obtain Annual Percentage Yield is $50 | 2.02% | — | — | 2.02% | $305 |
| 21 months21 Month Special. Fixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 3.75% | — | 3.75% | $665 |
| 24 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 2.02% | — | 2.02% | $408 |
| 36 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 2.27% | — | 2.27% | $697 |
| 42 months42 Month Special. Fixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 3.85% | — | 3.85% | $1,414 |
| 48 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 2.52% | — | 2.52% | $1,047 |
| 60 monthsFixed rate IRA. Minimum balance required to open account and obtain Annual Percentage Yield | — | 3.03% | — | 3.03% | $1,610 |
Sources (1)
- mabank.com/personal/rates · 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.