Bank · FDIC insured
Peoples Bank of Moniteau County CD Rates
Peoples Bank of Moniteau County’s best CD rate is 3.75% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Peoples Bank of Moniteau County’s CD rates compare
Compared with banks and credit unions near Jefferson City, MO, where Peoples Bank of Moniteau County has the most branches. $10,000, best rate first.
This bank’s best
Peoples Bank of Moniteau County
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $188
Certificates of Deposit (CDs)
Top rate
MECE Credit Union
4.94%APY
- Term
- 48 months
- Minimum
- $10,000
- Earns on $10,000
- $2,127
2nd-highest rate
Sullivan Bank
4.30%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,343
Peoples Bank of Moniteau County CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo1.50%
- 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 Peoples Bank of Moniteau County 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 3.75%APY · 10 terms
No deposits or withdrawals permitted during term. Automatically renewable unless otherwise stated with a 10-day grace period to withdraw funds. Early withdrawal penalties: 91 day to 182 day = 60 days interest penalty; 12 months - 15 months = 90 days interest penalty; 18 months - 60 months = 6 months interest penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD; Interest paid/compounded at Maturity; $500 minimum deposit required | 0.65% | $16 |
| 6 months182 Day CD; Interest paid/compounded at Maturity; $500 minimum deposit required | 3.75% | $188 |
| 12 months12 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 3.65% | $365 |
| 15 months15 Month CD; Interest paid/compounded Quarterly; $500 minimum deposit required | 1.00% | $125 |
| 18 months18 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.05% | $158 |
| 24 months24 Month CD; Interest paid/compounded Monthly; $500 minimum deposit required | 1.10% | $221 |
| 30 months30 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 3.25% | $832 |
| 36 months36 Month CD; Interest paid/compounded Quarterly; $500 minimum deposit required | 1.30% | $395 |
| 48 months48 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.40% | $572 |
| 60 months60 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.50% | $773 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.75%APY · 10 terms
Traditional and Roth IRAs available. Terms and rates are identical to CDs. Penalties apply for premature withdrawals from fixed-term IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day IRA CD; Interest paid/compounded at Maturity; $500 minimum deposit required | 0.65% | $16 |
| 6 months182 Day IRA CD; Interest paid/compounded at Maturity; $500 minimum deposit required | 3.75% | $188 |
| 12 months12 Month IRA CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 3.65% | $365 |
| 15 months15 Month IRA CD; Interest paid/compounded Quarterly; $500 minimum deposit required | 1.00% | $125 |
| 18 months18 Month IRA CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.05% | $158 |
| 24 months24 Month IRA CD; Interest paid/compounded Monthly; $500 minimum deposit required | 1.10% | $221 |
| 30 months30 Month IRA CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 3.25% | $832 |
| 36 months36 Month IRA CD; Interest paid/compounded Quarterly; $500 minimum deposit required | 1.30% | $395 |
| 48 months48 Month IRA CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.40% | $572 |
| 60 months60 Month IRA CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required | 1.50% | $773 |
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.