Bank · FDIC insured
The Bank of Salem CD Rates
The Bank of Salem’s best CD rate is 3.39% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How The Bank of Salem’s CD rates compare
Compared with banks and credit unions in Missouri, where The Bank of Salem has the most branches. $10,000, best rate first.
This bank’s best
The Bank of Salem
3.29%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $329
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
The Bank of Salem CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.29%
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 The Bank of Salem 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 3.29%APY · 8 terms
Minimum opening balance $1,000.00. Tiered interest based on minimum daily balance. Substantial interest penalty incurred for early withdrawal. Annual percentage yield calculation based on quarterly interest compounding. Must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $69 |
| 6 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $150 |
| 12 months | 3.29% | 3.34% | 3.39% | 3.29%3.34% $50k–$100k3.39% from $100k | $329 |
| 18 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $458 |
| 24 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $615 |
| 36 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $857 |
| 48 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $1,159 |
| 60 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $1,469 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.29%APY · 8 terms
Minimum opening balance $1,000.00. Structured as certificates of deposit. Available as Traditional IRAs and Roth IRAs. Substantial interest penalty incurred for early withdrawal. Annual percentage yield calculation based on quarterly interest compounding. Must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $69 |
| 6 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $150 |
| 12 months | 3.29% | 3.34% | 3.39% | 3.29%3.34% $50k–$100k3.39% from $100k | $329 |
| 18 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $458 |
| 24 months | 3.03% | 3.08% | 3.14% | 3.03%3.08% $50k–$100k3.14% from $100k | $615 |
| 36 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $857 |
| 48 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $1,159 |
| 60 months | 2.78% | 2.83% | 2.88% | 2.78%2.83% $50k–$100k2.88% from $100k | $1,469 |
Sources (2)
All 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.