Bank · FDIC insured
Mid-Missouri Bank CD Rates
Mid-Missouri Bank’s best CD rate is 1.00% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mid-Missouri Bank’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Mid-Missouri Bank has the most branches. $10,000, best rate first.
This bank’s best
Mid-Missouri Bank
1.00%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $510
Certificates of Deposit (CDs)
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
Mid-Missouri Bank CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo0.70%
- 16–30 months16–30 mo0.85%
- 31–60 months31–60 mo1.00%
- QualifiedQualified1.00%
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 Mid-Missouri 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 1.00%APY · 8 terms
No setup or maintenance fees. $1,000 minimum deposit to open. Early withdrawals subject to penalty (3 and 6 month terms penalty is 3 months interest; greater than 6 to 24 months penalty is 6 months interest; greater than 24 months penalty is 12 months interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal (3 months interest) | 0.50% | $12 |
| 6 monthsPenalty for early withdrawal (3 months interest) | 0.60% | $30 |
| 12 monthsPenalty for early withdrawal (6 months interest) | 0.70% | $70 |
| 18 monthsPenalty for early withdrawal (6 months interest) | 0.75% | $113 |
| 24 monthsPenalty for early withdrawal (6 months interest) | 0.85% | $171 |
| 36 monthsPenalty for early withdrawal (12 months interest) | 0.90% | $272 |
| 48 monthsPenalty for early withdrawal (12 months interest) | 0.95% | $385 |
| 60 monthsPenalty for early withdrawal (12 months interest) | 1.00% | $510 |
Sources (3)
- midmobank.com/personal/personal-savings
- midmobank.com/personal/persona…ates-of-deposit-cds.html
- midmobank.com/services-tools/tools/rates.html
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.