Bank · FDIC insured
St. Johns Bank & Trust CD Rates
St. Johns Bank & Trust’s best CD rate is 3.80% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How St. Johns Bank & Trust’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where St. Johns Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
St. Johns Bank & Trust
3.80%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $220
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
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
St. Johns Bank & Trust CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.50%
- QualifiedQualified3.80%
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 St. Johns Bank & Trust 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 3.80%APY · 8 terms
Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 is required to obtain the advertised APY, unless otherwise noted.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.05% | 0.05% | $1 |
| 6 months | — | 0.20% | 0.20% | $10 |
| 7 monthsMinimum opening deposit of $5,000 of funds not already on deposit with St. Johns Bank. CD automatically will renew at the current 6-month posted rate as of the maturity date. This offer is subject to cancellation without notice. 3-month interest penalty for early withdrawal of funds | 3.80% | — | 3.80% | $220 |
| 12 months | — | 0.30% | 0.30% | $30 |
| 18 months | — | 0.40% | 0.40% | $60 |
| 24 months | — | 0.30% | 0.30% | $60 |
| 36 months | — | 0.30% | 0.30% | $90 |
| 60 months | — | 0.50% | 0.50% | $253 |
Sources (1)
- stjohnsbank.com/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
INDIVIDUAL Retirement Accounts Certificate of Deposit
Up to 0.50%APY · 5 terms
Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $250 required to obtain the advertised Annual Percentage Yield (APY). The interest rate and Annual Percentage Yield (APY) may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.30% | $30 |
| 12 monthsVariable Rate IRA Certificate of Deposit | 0.40% | $40 |
| 18 months | 0.40% | $60 |
| 24 months | 0.30% | $60 |
| 36 months | 0.30% | $90 |
| 60 months | 0.50% | $253 |
Sources (1)
- stjohnsbank.com/deposit-rates · 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.