Bank · FDIC insured
Security Bank of Southwest Missouri CD Rates
Security Bank of Southwest Missouri’s best CD rate is 4.50% APY on a 7-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Security Bank of Southwest Missouri’s CD rates compare
Compared with banks and credit unions in Missouri, where Security Bank of Southwest Missouri has the most branches. $10,000, best rate first.
This bank’s best
Security Bank of Southwest Missouri
4.50%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $260
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
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Security Bank of Southwest Missouri CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo1.76%
- QualifiedQualified4.50%
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 Security Bank of Southwest Missouri 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 4.50%APY · 11 terms
Minimum deposit to open is $1,000.00. Substantial penalty for early withdrawal. Additional deposits are not allowed during the term. Interest is compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of three months' interest on time deposits with maturity of one year or less | 1.00% | $50 |
| 7 months | 4.50% | $260 |
| 9 months | 4.00% | $299 |
| 11 months | 4.00% | $366 |
| 12 monthsEarly withdrawal penalty of three months' interest on time deposits with maturity of one year or less | 1.26% | $126 |
| 15 months | 4.00% | $502 |
| 17 months | 3.03% | $432 |
| 24 monthsEarly withdrawal penalty of six months' interest on time deposits with maturity over one year through three years | 1.36% | $274 |
| 36 monthsEarly withdrawal penalty of six months' interest on time deposits with maturity over one year through three years | 1.41% | $429 |
| 36 monthsMark to Market CD matures in 3 years and offers a one-time modification feature allowing you to rewrite to any other current interest rate and term offered without early withdrawal penalty | 1.00% | $303 |
| 48 monthsEarly withdrawal penalty of twelve months' interest on time deposits with maturity exceeding three years | 1.66% | $681 |
| 60 monthsEarly withdrawal penalty of twelve months' interest on time deposits with maturity exceeding three years | 1.76% | $912 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.50%APY · 11 terms
IRAs are offered under the same maturities and interest rates as Certificates of Deposit. Minimum deposit to open is $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of three months' interest on time deposits with maturity of one year or less | 1.00% | $50 |
| 7 months | 4.50% | $260 |
| 9 months | 4.00% | $299 |
| 11 months | 4.00% | $366 |
| 12 monthsEarly withdrawal penalty of three months' interest on time deposits with maturity of one year or less | 1.26% | $126 |
| 15 months | 4.00% | $502 |
| 17 months | 3.03% | $432 |
| 24 monthsEarly withdrawal penalty of six months' interest on time deposits with maturity over one year through three years | 1.36% | $274 |
| 36 monthsEarly withdrawal penalty of six months' interest on time deposits with maturity over one year through three years | 1.41% | $429 |
| 36 monthsMark to Market CD matures in 3 years and offers a one-time modification feature allowing you to rewrite to any other current interest rate and term offered without early withdrawal penalty | 1.00% | $303 |
| 48 monthsEarly withdrawal penalty of twelve months' interest on time deposits with maturity exceeding three years | 1.66% | $681 |
| 60 monthsEarly withdrawal penalty of twelve months' interest on time deposits with maturity exceeding three years | 1.76% | $912 |
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.