Bank · FDIC insured
The Cornerstone Bank CD Rates
The Cornerstone Bank’s best CD rate is 4.50% APY on a 17-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How The Cornerstone Bank’s CD rates compare
Compared with banks and credit unions in Missouri, where The Cornerstone Bank has the most branches. $10,000, best rate first.
This bank’s best
The Cornerstone Bank
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
17 Month Special
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 Cornerstone Bank CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.55%
- 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 The Cornerstone 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.
17 Month Special
4.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 months | 4.50% | $643 |
Sources (1)
- thecornerstonebank.net/deposits/rates · captured Oct 16, 2026
Add to Certificate of Deposit
4.05%APY
Fixed interest rate guaranteed until maturity; automatic renewal at maturity with 10 day grace period to withdraw.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 4.05% | $405 |
Sources (2)
All captured Oct 16, 2026
Certificates of Deposit
Up to 4.05%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 30 months | 3.75% | $964 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Roth IRAs
4.75%APY
Tax free withdrawals (some limitations apply); variable rate account may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.75% | $475 |
Sources (2)
All captured Oct 16, 2026
Traditional IRAs
4.75%APY
Tax deductible contributions (some limitations apply); variable rate account may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.75% | $475 |
Sources (2)
All captured Oct 16, 2026
Educational IRAs
1.25%APY
Deposit amounts grow tax free until distributed; taxpayers may deposit up to $2,000.00 per year for children under age 18; variable rate account may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.25% | $125 |
Sources (2)
All captured Oct 16, 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.