First Bank of the Lake CD Rates — October 2026

As of October 22, 2026, First Bank of the Lake's highest tracked CD rate is 4.55% APY on a 7-month CD ($1,000 minimum). That is 3.3 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.15% to 4.55% APY.

Last verified October 22, 2026 from www.fblake.bank · FDIC-insured bank · Osage Beach, MO

Tracking began October 22, 2026.

Best APY4.55%7 months, $1,000 min

vs. Treasury+0.12%same-term Treasury 4.43%

vs. national average3.3×FDIC national average 1.39%

After inflation0.81%CPI 3.7% year over year

$10,000 earns$263over 7 months, before tax

First Bank of the Lake CD rates

Published CD rates from 3 to 60 months, quoted separately for branch opening ($1,000 minimum) and online opening ($5,000 minimum). Early withdrawal penalties may apply.

First Bank of the Lake CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	CD	$1,000	3.40%Top 33% · $10k reference sampleVerified October 22, 2026	−0.90%
6 months	CD	$1,000same APY in 2 balance tiers	3.35%Top 55% · $10k reference sampleVerified October 22, 2026	−1.05%
7 months	CD	$1,000same APY in 2 balance tiers	4.55%Verified October 22, 2026	+0.12%
12 months	CD	$1,000same APY in 2 balance tiers	3.35%Top 65% · $10k reference sampleVerified October 22, 2026	−1.22%
18 months	CD	$1,000same APY in 2 balance tiers	3.35%Top 62% · $10k reference sampleVerified October 22, 2026	−1.37%
20 months	CD	$1,000same APY in 2 balance tiers	4.45%Verified October 22, 2026	−0.32%
24 months	CD	$1,000same APY in 2 balance tiers	3.15%Top 64% · $10k reference sampleVerified October 22, 2026	−1.72%
36 months	CD	$1,000same APY in 2 balance tiers	3.15%Top 55% · $10k reference sampleVerified October 22, 2026	−1.80%
48 months	CD	$1,000same APY in 2 balance tiers	3.15%Top 50% · $10k reference sampleVerified October 22, 2026	−1.83%
60 months	CD	$1,000same APY in 2 balance tiers	3.40%Top 46% · $10k reference sampleVerified October 22, 2026	−1.61%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are First Bank of the Lake's best CD rates by term?

First Bank of the Lake's best rate is 4.55% APY on 7 months, verified October 22, 2026.

3 mo3.40%
6 mo3.35%
7 mo4.55%
12 mo3.35%
18 mo3.35%
20 mo4.45%
24 mo3.15%
36 mo3.15%
48 mo3.15%
60 mo3.40%

Calculate earnings at 4.55% for 7 months

How much interest could a First Bank of the Lake CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

$263.06 interest · $10,263.06 at maturity on $10,000.00.

4.55% APY · 7 months · CD · Standard · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$41.853.40% APY · CD · Standard	$83.713.40% APY · CD · Standard	$209.273.40% APY · CD · Standard	$418.533.40% APY · CD · Standard
6 months	$83.293.35% APY · CD · Standard	$166.583.35% APY · CD · Standard	$416.453.35% APY · CD · Standard	$832.903.35% APY · CD · Standard
7 months	$131.534.55% APY · CD · Standard	$263.064.55% APY · CD · Standard	$657.644.55% APY · CD · Standard	$1,315.294.55% APY · CD · Standard
12 months	$167.503.35% APY · CD · Standard	$335.003.35% APY · CD · Standard	$837.503.35% APY · CD · Standard	$1,675.003.35% APY · CD · Standard
18 months	$253.583.35% APY · CD · Standard	$507.163.35% APY · CD · Standard	$1,267.903.35% APY · CD · Standard	$2,535.803.35% APY · CD · Standard
20 months	$376.094.45% APY · CD · Standard	$752.194.45% APY · CD · Standard	$1,880.474.45% APY · CD · Standard	$3,760.934.45% APY · CD · Standard
24 months	$319.963.15% APY · CD · Standard	$639.923.15% APY · CD · Standard	$1,599.813.15% APY · CD · Standard	$3,199.613.15% APY · CD · Standard
36 months	$487.543.15% APY · CD · Standard	$975.083.15% APY · CD · Standard	$2,437.703.15% APY · CD · Standard	$4,875.403.15% APY · CD · Standard
48 months	$660.403.15% APY · CD · Standard	$1,320.803.15% APY · CD · Standard	$3,301.993.15% APY · CD · Standard	$6,603.983.15% APY · CD · Standard
60 months	$909.803.40% APY · CD · Standard	$1,819.603.40% APY · CD · Standard	$4,548.993.40% APY · CD · Standard	$9,097.993.40% APY · CD · Standard

How First Bank of the Lake compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 63 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

First Bank of the Lake CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
First Bank of the Lake (this institution) (highest tracked APY for this term)CD · Standard	7 months	$1,000	Coverage: MO	4.55%	October 22, 2026
Associated BankCD special · Promotional	7 months	$5,000	Coverage: IA, IL, MN, MO, NE, WI	4.25%	October 22, 2026
Busey Bank7 Month CD w/checking · Relationship	7 months	$1,000	Coverage: AZ, CO, FL, IL, IN, KS, MO, NM, OK, TX	4.00%	October 22, 2026
EverBankEverBank Performance® CDs · Standard	7 months	Not stated	Nationwide; check eligibility	3.60%	October 22, 2026
Treasury (APY-equivalent)	7 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.43%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking First Bank of the Lake on October 22, 2026.

About First Bank of the Lake

Legal name: First Bank of the Lake
Regulator ID: FDIC 26960
Headquarters: Osage Beach, MO
Available in: MO
Total assets: $2.3 billion
Also known as
Website: www.fblake.bank

Source: rates read from https://www.fblake.bank/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at First Bank of the Lake?

Among the rates we track, 4.55% APY on a 7-month CD, as of October 22, 2026.

What is the minimum deposit for a First Bank of the Lake CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.

How does First Bank of the Lake's best CD rate compare with Treasury yields?

4.55% APY is +0.12% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.55% a good CD rate?

It is 3.3 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are First Bank of the Lake CDs insured?

First Bank of the Lake is an FDIC-insured bank (FDIC 26960). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check First Bank of the Lake's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from First Bank of the Lake's website and may change at any time. Confirm terms, minimums and eligibility with First Bank of the Lake before opening an account. This page is not financial advice.