Missouri

Image Courtesy: pixabay.com

St. Louis, Missouri CD Rates – 6-Month

You are viewing rates from banks across St. Louis

 

Below are the best six-month CD Rates from banks with branches in St. Louis, Missouri . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

St. Louis, MO - November 4, 2024

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 5.65% → 5.35% → 5.50% → 5.57% → 5.00%

| 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: 4.60% → 5.05% → 4.80%

Rate History: 5.20% → 4.80%

| Sep 19, 2019

No Specials are being offered. These rates are wrong. Read More

Rate History: 3.25% → 5.00% → 4.50% → 5.00% → 4.80%

| Jun 21, 2022

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

Rate History: 0.01% → 4.50%

Rate History: 0.70% → 4.84% → 4.32%

| 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: 0.50% → 4.32% → 4.58% → 4.06%

| Jun 25, 2019

can I cash my Progressive Insurance claim 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

Rate History: 0.15% → 2.55% → 2.45%

| May 29, 2020

Dua Read More

Rate History: 2.50% → 2.51% → 2.01%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 1.55% → 1.80%

| Feb 2, 2021

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

| 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: 4.26% → 4.25% → 1.00%

0.90%

$1,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More

0.70%

$1,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More

| Sep 26, 2016

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

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More

0.60%

$1,000

-

Learn More

0.60%

$500

-

Learn 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

0.60%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$100,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.51%

$10,000

-

Learn More

0.50%

$500

-

Learn More

| 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

0.50%

$100,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$50,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

| 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

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.45%

$500

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$100,000

-

Learn More

0.40%

$500

-

Learn More

| 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

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$1,000

-

Learn More

| 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

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$1

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

| 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

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$1,000

-

Learn More

0.40%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.39%

$500

-

Learn More

| Feb 9, 2019

Can I order new checks online? Read More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$1,000

-

Learn More

0.35%

$10,000

-

Learn More

0.33%

$10,000

-

Learn More

0.31%

$10,000

-

Learn More

0.30%

$1,000

-

Learn More

0.30%

$250

-

Learn More

0.30%

$2,500

-

Learn More

0.30%

$500

-

Learn More

0.30%

$500

-

Learn More

| Aug 31, 2018

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

0.30%

$500

-

Learn More

0.30%

$2,500

-

Learn More

0.30%

$500

-

Learn More

0.30%

$100

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$500

-

Learn More

0.30%

$1,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.27%

$100,000

-

Learn More

0.26%

$10,000

-

Learn More

0.25%

$1,000

-

Learn More

0.25%

$1,000

-

Learn More

0.25%

$1

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

| Feb 4, 2020

Academy was great helping me open a new account Read More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.25%

$1,000

-

Learn More

0.25%

$10,000

-

Learn More

| 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

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$1,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$100,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$2,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.23%

$10,000

-

Learn More

0.22%

$10,000

-

Learn More

0.21%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$100,000

-

Learn More

0.20%

$1,000

-

Learn More

0.20%

$10,000

-

Learn More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| 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

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| 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

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| 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

0.20%

$10,000

-

Learn More

| 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

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.20%

$10,000

-

Learn More

| Oct 10, 2023

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

0.20%

$10,000

-

Learn More

0.17%

$10,000

-

Learn More

0.16%

$10,000

-

Learn More

0.15%

$500

-

Learn More

0.15%

$1,000

-

Learn More

0.15%

$10,000

-

Learn More

0.15%

$10,000

-

Learn More

0.15%

$10,000

-

Learn More

0.15%

$100,000

-

Learn More

0.15%

$10,000

-

Learn More

0.15%

$10,000

-

Learn More

Rate History: 0.05% → 0.15%

| 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

0.13%

$10,000

-

Learn More

0.11%

$100,000

-

Learn More

| 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

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.08%

$10,000

-

Learn More

| 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

0.05%

$10,000

-

Learn More

0.05%

$10,000

-

Learn More

0.05%

$10,000

-

Learn More

| 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

| 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

| 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

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

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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

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