Mid America Bank CD Rates — October 2026
As of October 23, 2026, Mid America Bank's highest tracked CD rate is 4.20% APY on a 34-month promotional CD ($10,000 minimum). That is 3.0 times the FDIC national average for 36-month CDs (1.39%).
Tracking began .
Mid America Bank CD rates
Advertised personal CD specials require $10,000; the general $1,000 CD opening minimum does not qualify for these special APYs. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 months | CD Special Promotional | $10,000 | 4.10%Free rate alert | −0.26% | Verified October 23, 2026 |
| 15 months | CD Special Promotional | $10,000 | 4.15%Free rate alert | −0.37% | Verified October 23, 2026 |
| 25 months | CD Special Promotional | $10,000 | 4.18%Free rate alert | −0.53% | Verified October 23, 2026 |
| 34 months | CD Special Promotional | $10,000 | 4.20%Free rate alert | −0.56% | Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Mid America Bank's best CD rates by term?
Mid America Bank's best rate is 4.20% APY on 34 months, verified October 23, 2026.
- 7 mo4.10%
- 15 mo4.15%
- 25 mo4.18%
- 34 mo4.20%
How much interest could a Mid America Bank 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.
$1,236.14 interest · $11,236.14 at maturity on $10,000.00.
4.20% APY · 34 months · CD Special · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 months | Not estimated | $237.264.10% APY · CD Special · Promotional | $593.144.10% APY · CD Special · Promotional | $1,186.284.10% APY · CD Special · Promotional |
| 15 months | Not estimated | $521.124.15% APY · CD Special · Promotional | $1,302.804.15% APY · CD Special · Promotional | $2,605.604.15% APY · CD Special · Promotional |
| 25 months | Not estimated | $890.064.18% APY · CD Special · Promotional | $2,225.164.18% APY · CD Special · Promotional | $4,450.324.18% APY · CD Special · Promotional |
| 34 months | Not estimated | $1,236.144.20% APY · CD Special · Promotional | $3,090.344.20% APY · CD Special · Promotional | $6,180.694.20% APY · CD Special · Promotional |
How Mid America Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1034-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Mid America Bank (this institution) (highest tracked APY for this term)CD Special · Promotional | 34 months | $10,000 | Branches in MO | 4.20% | October 23, 2026 |
| Treasury (APY-equivalent) | 34 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.76% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Mid America Bank on October 23, 2026.
About Mid America Bank
- Legal name
- Mid America Bank
- Regulator ID
- FDIC 11459
- Headquarters
- Jefferson City, MO
- Available in
- MO
- Total assets
- $1.2 billion
- Also known as
- Website
- www.midambk.com
Source: rates read from https://www.midambk.com/personal-banking/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Mid America Bank?
Among the rates we track, 4.20% APY on a 34-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Mid America Bank CD?
The lowest minimum we found is $10,000.
How does Mid America Bank's best CD rate compare with Treasury yields?
4.20% APY is −0.56% versus the 34-month Treasury yield of 4.76% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 3.0 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 Mid America Bank CDs insured?
Mid America Bank is an FDIC-insured bank (FDIC 11459). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Mid America Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Mid America Bank's website and may change at any time. Confirm terms, minimums and eligibility with Mid America Bank before opening an account. This page is not financial advice.