Bank · FDIC insured
Phelps County Bank CD Rates
Phelps County Bank’s best CD rate is 3.96% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Phelps County Bank’s CD rates compare
Compared with banks and credit unions near Rolla, MO, where Phelps County Bank has the most branches. $10,000, best rate first.
This bank’s best
Phelps County Bank
3.96%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,236
Certificates of Deposit
Top rate
Infuze Credit Union
4.31%APY
- Term
- 9 months
- Minimum
- $2,000
- Earns on $10,000
- $322
2nd-highest rate
Town & Country Bank
4.16%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $523
Phelps County Bank CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.91%
- 31–60 months31–60 mo3.96%
- QualifiedQualified3.96%
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 Phelps County 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 3.96%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 6 months | 3.70% | $183 |
| 9 months | 3.70% | $276 |
| 12 months | 3.80% | $380 |
| 15 months | 3.80% | $477 |
| 18 months | 3.85% | $583 |
| 24 months | 3.91% | $797 |
| 30 months | 3.91% | $1,006 |
| 36 months | 3.96% | $1,236 |
| 48 months | 3.96% | $1,681 |
| 60 months | 3.96% | $2,143 |
Special-purpose accounts
IRAs
Up to 3.96%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 9 months | 3.70% | $276 |
| 12 months | 3.80% | $380 |
| 15 months | 3.80% | $477 |
| 18 months | 3.85% | $583 |
| 24 months | 3.91% | $797 |
| 30 months | 3.91% | $1,006 |
| 36 months | 3.96% | $1,236 |
| 48 months | 3.96% | $1,681 |
| 60 months | 3.96% | $2,143 |
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.