Best 18-Month CD Rates in St. Louis, Missouri, MO

You are viewing rates from banks across St. Louis

Below are eighteen-month Certificates of Deposit (CD) rates from banks in St. Louis, Missouri . Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

St. Louis, MO - November 4, 2024

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
First Bank of the Lake	4.40%	$5,000	-	Learn More
Rate History: 4.30% → 4.85% → 4.75% → 4.85% → 4.40%
Richard \| Jun 10, 2021 I bank at this bank and they have the best people working there They all have a lot of knowledge and most all have been there a long time they do a great job and have the highest CD rates around Read More Reviews (4)
Simmons Bank	4.30%	$5,000	-	Learn More
Rate History: 5.00% → 4.30%
mam \| Sep 19, 2019 No Specials are being offered. These rates are wrong. Read More Reviews (4)
Security Bank of Kansas City	4.06%	$500	-	Learn More
Rate History: 2.02% → 4.47% → 4.06%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
Phelps County Bank	3.55%	$1,000	-	Learn More
Rate History: 1.06% → 3.55%
Theresa \| Jun 25, 2019 can I cash my Progressive Insurance claim check Read More Reviews (1)
BOKF, National Association	2.45%	$100,000	-	Learn More
Rate History: 0.20% → 2.55% → 2.45%
Aku \| May 29, 2020 Dua Read More Reviews (1)
First Federal Bank of Kansas City	2.02%	$1,000	-	Learn More Add Review
Paramount Bank	1.80%	$1,000	-	Learn More
Rate History: 1.80% → 2.55% → 1.80%
Old Man Bob \| Apr 20, 2023 This is a true blue community bank. When you call you get people that are able to take action and make decisions. Customer service is number 1. Works great for CDs. They have a nice stand alone buildin... Read More Reviews (5)
BMO Bank National Association	1.70%	$1,000	-	Learn More
Rate History: 0.05% → 1.70% → 4.65% → 1.70%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Bank of Odessa	1.20%	$1,000	-	Learn More Add Review
Systematic Savings Bank	1.07%	$10,000	-	Learn More Add Review
Springfield First Community Bank	1.01%	$10,000	-	Learn More Add Review
Exchange Bank of Missouri	1.00%	$10,000	-	Learn More Add Review
Community First Bank	1.00%	$10,000	-	Learn More Add Review
Sterling Bank	1.00%	$10,000	-	Learn More
Al \| Sep 26, 2016 I think the specials have ended. can you double check? Read More Reviews (1)
Alton Bank	1.00%	$100,000	-	Learn More Add Review
Montrose Savings Bank	0.95%	$500	-	Learn More Add Review
American Bank of Missouri	0.95%	$10,000	-	Learn More
Gloria Bossman \| Aug 14, 2020 At your Rock Hill location, I feel you are not committed to the safety of your customers as you say on your web site. Why aren't your employees wearing masks? Why do they let patrons enter without a mask... Read More Reviews (1)
O'Bannon Banking Company	0.95%	$1,000	-	Learn More
Jay \| Dec 8, 2016 Not a handicap friendly bank at main office. Customers must walk long distance to reach teller windows far from entrance. CD rates could be improved. Putman County Bank has 1 percent better on larger... Read More Reviews (1)
Citizens' Bank of Charleston	0.90%	$100,000	-	Learn More Add Review
Bank of Monticello	0.90%	$100,000	-	Learn More Add Review
Commercial Trust Company of Fayette	0.90%	$100,000	-	Learn More Add Review
St. Louis Bank	0.90%	$100,000	-	Learn More Add Review
The Corner Stone Bank	0.87%	$10,000	-	Learn More Add Review
Independent Farmers Bank	0.85%	$10,000	-	Learn More Add Review
Oakstar Bank	0.85%	$10,000	-	Learn More
J D \| Jun 12, 2024 I entrusted my Life Savings to this bank and they closed my accounts because I asked an honest question about an overcharge I noticed in my statement records. I mistakenly believed I could ask a simple ... Read More Reviews (1)
People's Bank of Seneca	0.85%	$10,000	-	Learn More Add Review
Freedom Bank of Southern Missouri	0.85%	$10,000	-	Learn More Add Review
Citizens' Bank of Charleston	0.80%	$1,000	-	Learn More Add Review
Citizens Bank	0.80%	$500	-	Learn More Add Review
Citizens Bank of Eldon	0.80%	$100,000	-	Learn More Add Review
St. Louis Bank	0.80%	$10,000	-	Learn More Add Review
Farmers State Bank, S/B	0.80%	$10,000	-	Learn More Add Review
MRV Banks	0.80%	$10,000	-	Learn More Add Review
Carroll County Trust Company of Carrollton, Missouri	0.75%	$500	-	Learn More Add Review
BTC Bank	0.75%	$10,000	-	Learn More Add Review
Commercial Trust Company of Fayette	0.75%	$10,000	-	Learn More Add Review
Tri-County Trust Company	0.75%	$10,000	-	Learn More Add Review
The Bank of Advance	0.75%	$10,000	-	Learn More Add Review
FMB Bank	0.75%	$10,000	-	Learn More Add Review
Peoples Community Bank	0.75%	$10,000	-	Learn More Add Review
HomePride Bank	0.75%	$500	-	Learn More Add Review
Progressive Ozark Bank	0.75%	$10,000	-	Learn More Add Review
Community First Banking Company	0.75%	$1,000	-	Learn More Add Review
Bank of Salem	0.75%	$100,000	-	Learn More Add Review
Security Bank of the Ozarks	0.75%	$10,000	-	Learn More Add Review
West Plains Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
Alton Bank	0.75%	$10,000	-	Learn More Add Review
Heritage Community Bank	0.70%	$1,000	-	Learn More Add Review
State Bank of Missouri	0.70%	$500	-	Learn More Add Review
Farmers Bank of Northern Missouri	0.70%	$10,000	-	Learn More Add Review
Bank of Monticello	0.70%	$10,000	-	Learn More Add Review
Peoples Bank of Wyaconda, Missouri	0.70%	$10,000	-	Learn More Add Review
Silex Banking Company	0.70%	$10,000	-	Learn More Add Review
The Maries County Bank	0.70%	$10,000	-	Learn More Add Review
Stifel Bank	0.70%	$10,000	-	Learn More Add Review
St. Clair County State Bank	0.70%	$10,000	-	Learn More Add Review
Southern Bank	0.70%	$100,000	-	Learn More Add Review
Senath State Bank	0.70%	$10,000	-	Learn More Add Review
Exchange Bank of Northeast Missouri	0.65%	$500	-	Learn More Add Review
Academy Bank, National Association	0.65%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Bank of Iberia	0.65%	$10,000	-	Learn More Add Review
Town & Country Bank	0.65%	$10,000	-	Learn More Add Review
Southern Bank	0.65%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.65%	$500	-	Learn More Add Review
Bank of Salem	0.65%	$1,000	-	Learn More Add Review
Branson Bank	0.65%	$10,000	-	Learn More Add Review
First State Bank and Trust Company, Inc.	0.65%	$10,000	-	Learn More Add Review
Bank of New Madrid	0.65%	$10,000	-	Learn More Add Review
First State Bank of Purdy	0.60%	$10,000	-	Learn More Add Review
Great American Bank	0.60%	$1,000	-	Learn More Add Review
Community State Bank of Missouri	0.60%	$500	-	Learn More Add Review
HNB National Bank	0.60%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
Bank 21	0.60%	$10,000	-	Learn More Add Review
1st Advantage Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Franklin County	0.60%	$10,000	-	Learn More Add Review
The Citizens-Farmers Bank of Cole Camp	0.60%	$10,000	-	Learn More Add Review
Citizens Bank of Eldon	0.60%	$10,000	-	Learn More Add Review
Community Point Bank	0.60%	$10,000	-	Learn More Add Review
Parkside Financial Bank & Trust	0.60%	$100,000	-	Learn More Add Review
Community Bank of El Dorado Springs	0.60%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of St. Clair	0.59%	$10,000	-	Learn More Add Review
The Bank of Missouri	0.55%	$10,000	-	Learn More Add Review
Bank of Brookfield - Purdin, National Association	0.55%	$500	-	Learn More Add Review
Bank of Crocker	0.55%	$2,500	-	Learn More Add Review
Citizens Bank & Trust	0.55%	$100,000	-	Learn More Add Review
Peoples Savings Bank of Rhineland	0.55%	$1,000	-	Learn More Add Review
Goppert Financial Bank	0.55%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Co.	0.55%	$10,000	-	Learn More Add Review
Ozarks Federal Savings and Loan Association	0.55%	$10,000	-	Learn More Add Review
Bank Star	0.55%	$10,000	-	Learn More Add Review
Citizens Bank of Newburg	0.55%	$10,000	-	Learn More Add Review
Ozark Bank	0.55%	$10,000	-	Learn More Add Review
Table Rock Community Bank	0.55%	$10,000	-	Learn More Add Review
First Missouri Bank of SEMO	0.55%	$10,000	-	Learn More Add Review
Farmers State Bank	0.50%	$100	-	Learn More Add Review
Wells Bank	0.50%	$10,000	-	Learn More Add Review
Town & Country Bank Midwest	0.50%	$10,000	-	Learn More Add Review
HomeBank	0.50%	$10,000	-	Learn More Add Review
Pony Express Bank	0.50%	$10,000	-	Learn More Add Review
First Missouri Bank	0.50%	$10,000	-	Learn More Add Review
Preferred Bank	0.50%	$10,000	-	Learn More Add Review
Kearney Trust Company	0.50%	$10,000	-	Learn More Add Review
The Bank of Old Monroe	0.50%	$10,000	-	Learn More Add Review
Blue Ridge Bank and Trust Co.	0.50%	$10,000	-	Learn More
Rustam \| Jul 23, 2022 Is American Trust Letter this bank's service platform or scammers' website? I was charged by first 150 USD, then 10% to withdraw money there. Website is www.americantrustletter.com Read More Reviews (1)
America's Community Bank	0.50%	$10,000	-	Learn More Add Review
The Missouri Bank	0.50%	$10,000	-	Learn More Add Review
SULLIVAN BANK	0.50%	$1,000	-	Learn More Add Review
Triad Bank	0.50%	$10,000	-	Learn More Add Review
Omb Bank	0.50%	$1,000	-	Learn More Add Review
First Midwest Bank of Dexter	0.50%	$10,000	-	Learn More Add Review
First Mid Bank & Trust, National Association	0.45%	$1,000	-	Learn More Add Review
Farmers Bank of Lohman, Missouri	0.45%	$500	-	Learn More Add Review
Midland States Bank	0.45%	$10,000	-	Learn More
Mikki9678 \| Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More Reviews (2)
Parkside Financial Bank & Trust	0.45%	$10,000	-	Learn More Add Review
Lamar Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.43%	$10,000	-	Learn More Add Review
Bank of Springfield	0.41%	$10,000	-	Learn More Add Review
Bank of Weston	0.40%	$1	-	Learn More Add Review
F & C Bank	0.40%	$50,000	-	Learn More Add Review
Citizens Bank & Trust	0.40%	$10,000	-	Learn More Add Review
United State Bank	0.40%	$10,000	-	Learn More Add Review
Community Bank of Missouri	0.40%	$10,000	-	Learn More Add Review
First Missouri Bank	0.40%	$10,000	-	Learn More Add Review
The Bank of Orrick	0.40%	$10,000	-	Learn More
bankalchemist \| May 29, 2018 First this is a centurion bank. It’s done something right for over 100 yrs. Through the Great Depression & Recent Recessions which says a lot. They stick to what they know and do best Ag lending. They ar... Read More Reviews (1)
Enterprise Bank & Trust	0.40%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
The Tipton Latham Bank, National Association	0.40%	$10,000	-	Learn More Add Review
NEW FRONTIER BANK	0.40%	$10,000	-	Learn More Add Review
The Bank of Versailles	0.40%	$10,000	-	Learn More Add Review
United Bank of Union	0.40%	$10,000	-	Learn More Add Review
Chester National Bank	0.40%	$10,000	-	Learn More
Felix \| Oct 10, 2023 I had a good experience with the online bank and the customer support is excellent Read More Reviews (1)
Century Bank of the Ozarks	0.37%	$1,000	-	Learn More Add Review
Sherwood Community Bank	0.36%	$10,000	-	Learn More Add Review
Great Southern Bank	0.35%	$250	-	Learn More Add Review
F&M Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
Lead Bank	0.35%	$10,000	-	Learn More Add Review
Mid America Bank	0.35%	$10,000	-	Learn More Add Review
Legacy Bank & Trust Company	0.35%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.35%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Mid-Missouri Bank	0.35%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Southwest Missouri Bank	0.35%	$10,000	-	Learn More Add Review
First Community Bank	0.35%	$10,000	-	Learn More Add Review
Peoples National Bank , N.A.	0.31%	$100,000	-	Learn More Add Review
Peoples Bank of Moniteau County	0.30%	$500	-	Learn More Add Review
F & C Bank	0.30%	$2,500	-	Learn More Add Review
Investors Community Bank	0.30%	$10,000	-	Learn More Add Review
NBH Bank	0.30%	$10,000	-	Learn More Add Review
Bank of New Cambria	0.30%	$10,000	-	Learn More Add Review
Jonesburg State Bank	0.30%	$10,000	-	Learn More Add Review
First State Bank of St. Charles, Missouri	0.30%	$10,000	-	Learn More Add Review
Carrollton Bank	0.30%	$10,000	-	Learn More Add Review
Legends Bank	0.30%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.30%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Midwest Regional Bank	0.30%	$1,000	-	Learn More
Hey Man wildwood \| Aug 31, 2018 Awesome bank...great rates, no on line access only paper quarterly statements Read More Reviews (1)
The First National Bank of Nevada, Missouri	0.30%	$10,000	-	Learn More Add Review
Kennett Trust Bank	0.29%	$10,000	-	Learn More Add Review
Peoples National Bank , N.A.	0.26%	$10,000	-	Learn More Add Review
The Central Trust Bank	0.25%	$100,000	-	Learn More Add Review
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Clay County Savings Bank	0.25%	$100,000	-	Learn More Add Review
Hawthorn Bank	0.25%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
St. Johns Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
Peoples Bank	0.21%	$100,000	-	Learn More Add Review
The Central Trust Bank	0.20%	$1,000	-	Learn More Add Review
HNB National Bank	0.20%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
Peoples Bank	0.16%	$10,000	-	Learn More Add Review
First Bank	0.15%	$1,000	-	Learn More Add Review
Clay County Savings Bank	0.15%	$10,000	-	Learn More Add Review
Commerce Bank	0.10%	$10,000	-	Learn More Add Review
Cass Commercial Bank	0.10%	$10,000	-	Learn More Add Review
Edward Jones Trust Company	0.10%	$10,000	-	Learn More Add Review
Banterra Bank	0.10%	$10,000	-	Learn More Add Review
Hawthorn Bank	0.05%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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St. Louis, Missouri CD Rates – 18-Month

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2024

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

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