Bank · FDIC insured
Putnam County State Bank CD Rates
Top CarrotPutnam County State Bank’s best CD rate is 4.70% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Putnam County State Bank’s CD rates compare
Compared with banks and credit unions in Missouri, where Putnam County State Bank has the most branches. $10,000, best rate first.
This bank’s best
Putnam County State Bank
4.59%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,516
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
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Putnam County State Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.28%
- 31–60 months31–60 mo4.59%
- QualifiedQualified4.59%
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 Putnam County State 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 4.59%APY · 7 terms
Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
| Term | APY · $500 – $10,000 | APY · $10,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 2–5 months | 2.63% | 2.78% | 3.56% | 2.78%2.63% $500–$10k3.56% from $100k | $24 |
| 6–11 months | 2.79% | 3.56% | 4.07% | 3.56%2.79% $500–$10k4.07% from $100k | $176 |
| 12–23 months | 3.04% | 4.07% | 4.33% | 4.07%3.04% $500–$10k4.33% from $100k | $407 |
| 24–35 months | 2.79% | 4.28% | 4.39% | 4.28%2.79% $500–$10k4.39% from $100k | $874 |
| 36–47 months | 3.30% | 4.39% | 4.49% | 4.39%3.30% $500–$10k4.49% from $100k | $1,376 |
| 48–59 months | 3.56% | 4.49% | 4.59% | 4.49%3.56% $500–$10k4.59% from $100k | $1,921 |
| 60 months | 3.66% | 4.59% | 4.70% | 4.59%3.66% $500–$10k4.70% from $100k | $2,516 |
Sources (2)
All captured Sep 24, 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.