Bank · FDIC insured
PSB Bank CD Rates
PSB Bank’s best CD rate is 4.07% APY on a 21-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How PSB Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where PSB Bank has the most branches. $10,000, best rate first.
This bank’s best
PSB Bank
4.07%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $723
Certificate 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
PSB Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo3.92%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo2.27%
- QualifiedQualified4.07%
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 PSB 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.
Certificate of Deposit
Up to 4.07%APY · 10 terms
Must be opened at a branch (not available online). Add-On Benefit is available on all CDs with terms of 21 months or less, allowing additional deposits throughout the certificate term earning the same interest rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAdd-On Benefit available. Early withdrawal penalty 2% | 0.50% | $12 |
| 6 monthsAdd-On Benefit available. Early withdrawal penalty 2% | 3.71% | $184 |
| 12 monthsAdd-On Benefit available. Early withdrawal penalty 2% | 3.35% | $335 |
| 15 monthsSpecial CD. Add-On Benefit available. Early withdrawal penalty 2% | 3.92% | $492 |
| 18 monthsAdd-On Benefit available. Early withdrawal penalty 2% | 3.09% | $467 |
| 21 monthsSpecial CD. Add-On Benefit available. Early withdrawal penalty 2% | 4.07% | $723 |
| 24 monthsEarly withdrawal penalty 2% | 2.53% | $512 |
| 36 monthsEarly withdrawal penalty 2% | 2.27% | $697 |
| 48 monthsEarly withdrawal penalty 2% | 2.02% | $833 |
| 60 monthsEarly withdrawal penalty 2% | 2.02% | $1,052 |
Special-purpose accounts
12-Month Youth CD
2.02%APY · 1 term
For kids under the age of 18. Must be opened at a branch. Add-on deposits permitted throughout the year with $100 minimum deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor kids under 18. Add-on deposits allowed with $100 minimum deposit. Early withdrawal penalty 2% | 2.02% | $202 |
Sources (1)
- ourpsb.com/certificate-of-deposit · 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.