Bank · FDIC insured
Montgomery Bank CD Rates
Montgomery Bank’s best CD rate is 3.75% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Montgomery Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Montgomery Bank has the most branches. $10,000, best rate first.
This bank’s best
Montgomery Bank
3.75%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $407
Certificates of Deposit
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
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Montgomery Bank CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
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 Montgomery 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 3.75%APY · 11 terms
Rates are subject to change daily. Interest is compounded quarterly. Minimum opening deposit for all Certificates of Deposit is $1,000. Early withdrawal of CD principal is subject to an interest penalty ranging from 3 months' interest to 18 months' interest based on original issue term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCD Rate bumps do not apply to current 3 month CD special | 3.25% | $80 |
| 5 monthsCD Rate bumps do not apply to current 5 month CD special | 3.25% | $134 |
| 6 monthsCD Rate bumps do not apply to current 6 month CD special | 3.51% | $174 |
| 7 monthsCD Rate bumps do not apply to current 7 month CD special | 3.25% | $188 |
| 10 monthsCD Rate bumps do not apply to current 10 month CD special | 3.25% | $270 |
| 13 monthsCD Rate bumps do not apply to current 13 month CD special | 3.75% | $407 |
| 18 monthsCD Rate bumps do not apply to current 18 month CD special | 3.25% | $491 |
| 25 monthsCD Rate bumps do not apply to current 25 month CD special | 3.25% | $689 |
| 35 monthsCD Rate bumps do not apply to current 35 month CD special | 3.25% | $978 |
| 48 monthsCD Rate bumps do not apply to current 4 year CD special | 3.25% | $1,365 |
| 60 monthsCD Rate bumps do not apply to current 5 year CD special | 3.25% | $1,734 |
Sources (2)
All captured Oct 16, 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.