Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Missouri
Below are 5-year CD Rates from banks that are located in Missouri. Five-Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.
MO - November 24, 2024
5 Year CD National Average : 0.92% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.10% |
$5,000 |
- |
Learn More
|
|
|
Rate History: 3.50% → 4.00% → 4.15% → 4.10% |
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|
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 |
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|
3.75% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest.
|
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|
Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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|
3.55% |
$1,000 |
- |
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|
|
|
3.50% |
$1,000 |
- |
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|
|
|
Rate History: 2.02% → 3.50% |
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|
3.50% |
$0 |
- |
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|
|
|
Rate History: 4.00% → 3.90% → 3.75% → 3.50% |
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|
highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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|
3.25% |
$1,000 |
- |
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|
|
|
Rate History: 3.00% → 2.52% → 3.00% → 3.40% → 3.25% |
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|
3.25% |
$0 |
- |
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|
|
|
Rate History: 2.60% → 3.25% |
||||
|
lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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|
3.20% |
$1,000 |
- |
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|
|
|
Rate History: 0.50% → 3.20% |
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|
3.10% |
$1,000 |
- |
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|
|
|
Rate History: 2.85% → 3.10% |
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|
RS | Feb 2, 2021 This bank's site shows the 15 mo rate at .45% Read More |
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|
3.00% |
$5,000 |
- |
Learn More
|
|
|
Dana E. | Mar 20, 2016 Good solid bank. Read More |
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|
2.90% |
$500 |
- |
Learn More
|
|
|
JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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|
2.52% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 1.36% → 2.52% |
||||
|
Theresa | Jun 25, 2019 can I cash my Progressive Insurance claim check Read More |
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|
2.50% |
$1,000 |
- |
Learn More
|
|
|
RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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|
2.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.50% → 2.50% → 3.50% → 2.50% |
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|
JtAlmond | Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More |
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|
2.02% |
$500 |
- |
Learn More
|
|
|
Rate History: 1.26% → 2.02% |
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|
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 |
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|
2.00% |
$0 |
- |
Learn More
|
|
|
Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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|
2.00% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 2.00% → 2.50% → 2.00% |
||||
|
Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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|
1.77% |
$10,000 |
- |
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|
|
|
1.70% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 1.70% → 1.70% |
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|
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 |
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|
1.55% |
$100,000 |
- |
Learn More
|
|
|
Aku | May 29, 2020 Dua Read More |
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|
1.53% |
$10,000 |
- |
Learn More
|
|
|
1.51% |
$500 |
- |
Learn More
|
|
|
1.51% |
$500 |
- |
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|
|
|
1.51% |
$10,000 |
- |
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|
|
|
1.51% |
$100,000 |
- |
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|
|
|
1.51% |
$100,000 |
- |
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|
|
|
1.51% |
$10,000 |
- |
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|
|
|
1.51% |
$10,000 |
- |
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|
|
|
1.51% |
$10,000 |
- |
Learn More
|
|
|
1.51% |
$10,000 |
- |
Learn More
|
|
|
1.51% |
$100,000 |
- |
Learn More
|
|
|
1.50% |
$1,000 |
- |
Learn More
|
|
|
1.50% |
$10,000 |
- |
Learn More
|
|
|
1.46% |
$100,000 |
- |
Learn More
|
|
|
1.46% |
$10,000 |
- |
Learn More
|
|
|
1.45% |
$10,000 |
- |
Learn More
|
|
|
1.41% |
$500 |
- |
Learn More
|
|
|
1.41% |
$50,000 |
- |
Learn More
|
|
|
Watson1895 | Feb 9, 2019 Can I order new checks online? Read More |
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|
1.41% |
$100,000 |
- |
Learn More
|
|
|
1.41% |
$500 |
- |
Learn More
|
|
|
1.40% |
$10,000 |
- |
Learn More
|
|
|
1.40% |
$10,000 |
- |
Learn More
|
|
|
1.35% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 0.25% → 1.35% → 4.00% → 1.35% |
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|
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 |
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|
1.35% |
$10,000 |
- |
Learn More
|
|
|
1.31% |
$100,000 |
- |
Learn More
|
|
|
1.31% |
$10,000 |
- |
Learn More
|
|
|
Watson1895 | Feb 9, 2019 Can I order new checks online? Read More |
||||
|
1.31% |
$10,000 |
- |
Learn More
|
|
|
1.30% |
$2,500 |
- |
Learn More
|
|
|
1.29% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$500 |
- |
Learn More
|
|
|
1.26% |
$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 |
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|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.26% |
$10,000 |
- |
Learn More
|
|
|
1.25% |
$10,000 |
- |
Learn More
|
|
|
1.25% |
$10,000 |
- |
Learn More
|
|
|
1.25% |
$10,000 |
- |
Learn More
|
|
|
1.25% |
$10,000 |
- |
Learn More
|
|
|
1.21% |
$100,000 |
- |
Learn More
|
|
|
1.21% |
$100,000 |
- |
Learn More
|
|
|
1.21% |
$100,000 |
- |
Learn More
|
|
|
1.21% |
$10,000 |
- |
Learn More
|
|
|
1.20% |
$500 |
- |
Learn More
|
|
|
1.20% |
$1,000 |
- |
Learn More
|
|
|
1.20% |
$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 |
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|
1.20% |
$10,000 |
- |
Learn More
|
|
|
1.20% |
$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 |
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|
1.20% |
$10,000 |
- |
Learn More
|
|
|
1.20% |
$10,000 |
- |
Learn More
|
|
|
Al | Sep 26, 2016 I think the specials have ended. can you double check? Read More |
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|
1.16% |
$10,000 |
- |
Learn More
|
|
|
1.16% |
$10,000 |
- |
Learn More
|
|
|
1.16% |
$10,000 |
- |
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|
|
|
1.16% |
$10,000 |
- |
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|
|
|
1.15% |
$10,000 |
- |
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|
|
|
1.15% |
$10,000 |
- |
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|
|
|
1.15% |
$10,000 |
- |
Learn More
|
|
|
1.15% |
$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 |
||||
|
1.15% |
$1,000 |
- |
Learn More
|
|
|
1.15% |
$10,000 |
- |
Learn More
|
|
|
1.15% |
$100,000 |
- |
Learn More
|
|
|
1.11% |
$1,000 |
- |
Learn More
|
|
|
1.11% |
$1,000 |
- |
Learn More
|
|
|
1.11% |
$10,000 |
- |
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|
|
|
1.11% |
$10,000 |
- |
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|
|
|
1.11% |
$10,000 |
- |
Learn More
|
|
|
1.11% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$1,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$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 |
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|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$100,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$500 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
Learn More
|
|
|
1.10% |
$100,000 |
- |
Learn More
|
|
|
1.10% |
$10,000 |
- |
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|
|
|
1.06% |
$10,000 |
- |
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|
|
|
1.05% |
$100,000 |
- |
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|
|
|
1.05% |
$10,000 |
- |
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|
|
|
1.05% |
$10,000 |
- |
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|
|
|
1.05% |
$1,000 |
- |
Learn More
|
|
|
1.05% |
$10,000 |
- |
Learn More
|
|
|
Jw | Jun 27, 2022 It took 4 times contacting this back to get a simple stop payment done. It end up costing over $100 because of their inability to take care of it after the first contact. Read More |
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|
1.05% |
$1,000 |
- |
Learn More
|
|
|
1.05% |
$10,000 |
- |
Learn More
|
|
|
1.01% |
$10,000 |
- |
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|
|
|
1.00% |
$1 |
- |
Learn More
|
|
|
1.00% |
$500 |
- |
Learn More
|
|
|
1.00% |
$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 |
||||
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
1.00% |
$100,000 |
- |
Learn More
|
|
|
Petros Achilleos | 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 |
||||
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
1.00% |
$10,000 |
- |
Learn 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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|
|
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
0.99% |
$100,000 |
- |
Learn More
|
|
|
0.95% |
$500 |
- |
Learn More
|
|
|
0.95% |
$100 |
- |
Learn More
|
|
|
0.95% |
$10,000 |
- |
Learn More
|
|
|
0.95% |
$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 |
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|
0.95% |
$10,000 |
- |
Learn More
|
|
|
0.95% |
$10,000 |
- |
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|
|
|
0.95% |
$10,000 |
- |
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|
|
|
0.95% |
$1,000 |
- |
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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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|
0.89% |
$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% |
$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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|
0.81% |
$10,000 |
- |
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|
|
0.80% |
$500 |
- |
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|
|
|
0.80% |
$10,000 |
- |
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|
|
0.80% |
$10,000 |
- |
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|
|
|
Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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|
0.80% |
$10,000 |
- |
Learn More
|
|
|
Petros Achilleos | 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 |
||||
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$1,000 |
- |
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|
0.80% |
$10,000 |
- |
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|
0.80% |
$10,000 |
- |
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|
0.75% |
$10,000 |
- |
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|
0.75% |
$50,000 |
- |
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|
|
|
0.75% |
$500 |
- |
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|
0.75% |
$500 |
- |
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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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|
|
Pdrake12 | 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 |
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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% |
$10,000 |
- |
Learn More
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|
|
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 |
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|
0.70% |
$10,000 |
- |
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|
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|
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 |
- |
Learn More
|
|
|
0.70% |
$1,000 |
- |
Learn More
|
|
|
0.65% |
$250 |
- |
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|
|
|
0.65% |
$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 |
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|
0.65% |
$10,000 |
- |
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|
|
|
0.60% |
$2,500 |
- |
Learn More
|
|
|
0.60% |
$100,000 |
- |
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|
|
|
0.60% |
$10,000 |
- |
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|
|
0.60% |
$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 |
||||
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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|
0.60% |
$10,000 |
- |
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|
|
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0.55% |
$1,000 |
- |
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0.55% |
$10,000 |
- |
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0.53% |
$100,000 |
- |
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0.51% |
$100,000 |
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0.50% |
$1,000 |
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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% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$1,000 |
- |
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Hey Man wildwood | Aug 31, 2018 Awesome bank...great rates, no on line access only paper quarterly statements Read More |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
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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 |
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0.43% |
$10,000 |
- |
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0.41% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% 0.25% |
$1,000 $500 |
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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 |
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0.35% |
$10,000 |
- |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.35% |
$10,000 |
- |
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0.30% |
$500 |
- |
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0.30% |
$10,000 |
- |
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0.25% |
$1,000 |
- |
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0.25% |
$10,000 |
- |
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0.20% |
$10,000 |
- |
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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 |
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0.15% |
$10,000 |
- |
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0.15% |
$500 |
- |
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MrBond | 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 |
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0.05% |
$2,500 |
- |
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Rate History: 0.03% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.05% 0.01% |
$2,501 $2,500 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
- |
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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 |
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0.03% |
$100,000 |
- |
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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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.
Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.
The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.
While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.
On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.
Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.
Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.
With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates