Missouri

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St. Louis, Missouri CD Rates – 3-Year

You are viewing rates from banks across St. Louis

 

Below are three-year CD Rates from banks in St. Louis, Missouri. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

St. Louis, MO - November 4, 2024

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Rate History: 3.75% → 4.00% → 4.15% → 4.25% → 3.95%

| 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

Rate History: 2.02% → 4.06% → 3.80%

| 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

Rate History: 2.02% → 3.50%

Rate History: 3.50% → 4.25% → 3.50% → 3.25%

| Jun 21, 2022

The new rates have eclipsed shat i currently hold with this bank. Read More

Rate History: 1.21% → 2.78% → 3.03%

| Jun 25, 2019

can I cash my Progressive Insurance claim check Read More

Rate History: 2.75% → 3.00%

| Feb 2, 2021

This bank's site shows the 15 mo rate at .45% Read More

Rate History: 2.50% → 2.55% → 2.50%

| 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

Rate History: 2.05% → 1.55%

| May 29, 2020

Dua Read More

1.51%

$10,000

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1.40%

$1,000

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1.40%

$10,000

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Rate History: 0.10% → 1.35% → 4.00% → 1.35%

| 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

1.30%

$10,000

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1.27%

$10,000

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1.26%

$500

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1.26%

$10,000

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1.26%

$100,000

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1.26%

$100,000

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1.20%

$100,000

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1.20%

$10,000

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| Sep 26, 2016

I think the specials have ended. can you double check? Read More

| 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

1.16%

$500

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1.16%

$10,000

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1.16%

$10,000

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1.15%

$1,000

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1.15%

$100,000

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1.15%

$100,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$10,000

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1.11%

$10,000

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1.11%

$100,000

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1.11%

$100,000

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1.11%

$10,000

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1.10%

$100,000

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| 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

1.10%

$100,000

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1.10%

$10,000

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| Feb 9, 2019

Can I order new checks online? Read More

1.05%

$10,000

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1.05%

$100,000

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1.05%

$10,000

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1.03%

$10,000

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1.01%

$10,000

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1.01%

$10,000

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1.01%

$10,000

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1.00%

$500

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1.00%

$1,000

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1.00%

$500

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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| Feb 9, 2019

Can I order new checks online? Read More

1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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| 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

1.00%

$10,000

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1.00%

$10,000

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| 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

1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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0.95%

$1,000

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0.95%

$500

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0.95%

$500

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0.95%

$10,000

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0.95%

$1,000

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0.95%

$10,000

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0.94%

$100,000

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0.94%

$500

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0.90%

$10,000

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0.90%

$500

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0.90%

$2,500

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0.90%

$10,000

-

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| Mar 29, 2022

Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More

0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$100,000

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0.90%

$10,000

-

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0.85%

$1,000

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0.85%

$1,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$10,000

-

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0.85%

$1,000

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0.85%

$10,000

-

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0.84%

$10,000

-

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0.81%

$10,000

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0.81%

$10,000

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0.80%

$10,000

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0.80%

$100,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$100,000

-

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0.80%

$100,000

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0.80%

$10,000

-

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0.80%

$500

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0.80%

$10,000

-

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| Oct 10, 2023

I had a good experience with the online bank and the customer support is excellent Read More

0.80%

$10,000

-

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0.80%

$100,000

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0.75%

$1

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0.75%

$500

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| 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

0.75%

$10,000

-

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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| 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

0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.70%

$500

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0.70%

$10,000

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0.70%

$100

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0.70%

$100,000

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| Mar 29, 2022

Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More

0.70%

$10,000

-

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$1,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$1,000

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0.67%

$10,000

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0.66%

$10,000

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0.65%

$100

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.64%

$10,000

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0.60%

$500

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0.60%

$50,000

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0.60%

$1,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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| 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

0.60%

$10,000

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0.60%

$10,000

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0.60%

$1,000

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0.57%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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| Jul 6, 2021

The staff at Midwest BankCentre is exceptional at making you feel like you belong to an institution much higher than simply a place to keep your money and bank. They really focus on making you feel like f... Read More

0.55%

$10,000

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0.55%

$10,000

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0.50%

$2,500

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0.50%

$10,000

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0.50%

$500

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| 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

0.50%

$1

-

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0.50%

$10,000

-

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0.50%

$10,000

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0.50%

$250

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.45%

$100,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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| 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

0.42%

$100,000

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0.41%

$100,000

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0.40%

$10,000

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| 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

| Aug 31, 2018

Awesome bank...great rates, no on line access only paper quarterly statements Read More

0.37%

$10,000

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0.35%

$1,000

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| 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

0.35%

$10,000

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0.35%

$10,000

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0.30%

$10,000

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0.28%

$10,000

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0.25%

$1,000

-

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.25%

$10,000

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0.20%

$10,000

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0.15%

$10,000

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0.15%

$10,000

-

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| 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

| 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

Rate History: 0.03% → 0.05%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

| 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

| 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

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

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

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.

SAVINGS & CD CALCULATOR

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