Bank · FDIC insured
The FNB Community Bank CD Rates
The FNB Community Bank’s best CD rate is 4.16% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How The FNB Community Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where The FNB Community Bank has the most branches. $10,000, best rate first.
This bank’s best
The FNB Community Bank
4.16%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $849
Certificates of Deposit (CDs)
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
The FNB Community Bank CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.78%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo4.16%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.16%
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 FNB Community 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 (CDs)
Up to 4.16%APY · 12 terms
Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 days. Penalty may be imposed for early withdrawal | 3.75% | $92 |
| 6 monthsTerm: 182 days. Penalty may be imposed for early withdrawal | 2.11% | $105 |
| 7 monthsTerm: 7 months. Penalty may be imposed for early withdrawal | 3.78% | $219 |
| 9 monthsTerm: 9 months. Penalty may be imposed for early withdrawal | 3.57% | $267 |
| 12 monthsTerm: 12 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 3.96% | $396 |
| 14 monthsTerm: 14 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 3.56% | $417 |
| 18 monthsTerm: 18 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 4.06% | $615 |
| 20 monthsTerm: 20 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 3.40% | $573 |
| 24 monthsTerm: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 4.16% | $849 |
| 36 monthsTerm: 36 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 2.78% | $857 |
| 48 monthsTerm: 48 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 2.27% | $939 |
| 60 monthsTerm: 60 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity | 2.02% | $1,052 |
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.