Midwest BankCentre CD Rates — October 2026
As of October 22, 2026, Midwest BankCentre's highest tracked CD rate is 4.25% APY on an 18-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.00% to 4.25% APY.
Tracking began .
Midwest BankCentre CD rates
Published personal CD rates from 3 to 60 months and a 7-month No Penalty CD; $1,000 to open and earn the APY. Early withdrawal penalties may apply on other terms.
| Term | Product | APY |
|---|---|---|
| 3 months | Traditional CD | 1.00%Top 80% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Traditional CD | 3.51%Top 48% · $10k reference sampleVerified October 22, 2026 |
| 7 months | No Penalty CD | 3.25%Verified October 22, 2026 |
| 12 months | Traditional CD | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 13 months | Traditional CD | 3.00%Verified October 22, 2026 |
| 15 months | Traditional CD | 2.75%Verified October 22, 2026 |
| 18 months | Traditional CD | 4.25%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Traditional CD | 4.25%Top 17% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Traditional CD | 2.25%Top 73% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Traditional CD | 2.50%Top 69% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Traditional CD | 2.55%Top 70% · $10k reference sampleVerified October 22, 2026 |
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 Midwest BankCentre's best CD rates by term?
Midwest BankCentre's best rate is 4.25% APY on 18 months, verified October 22, 2026.
- 3 mo1.00%
- 6 mo3.51%
- 7 mo3.25%
- 12 mo3.75%
- 13 mo3.00%
- 15 mo2.75%
- 18 mo4.25%
- 24 mo4.25%
- 36 mo2.25%
- 48 mo2.50%
- 60 mo2.55%
How much interest could a Midwest BankCentre 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.
$644.83 interest · $10,644.83 at maturity on $10,000.00.
4.25% APY · 18 months · Traditional CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $12.421.00% APY · Traditional CD · Standard | $24.841.00% APY · Traditional CD · Standard | $62.101.00% APY · Traditional CD · Standard | $124.191.00% APY · Traditional CD · Standard |
| 6 months | $87.233.51% APY · Traditional CD · Standard | $174.473.51% APY · Traditional CD · Standard | $436.173.51% APY · Traditional CD · Standard | $872.343.51% APY · Traditional CD · Standard |
| 7 months | $94.203.25% APY · No Penalty CD · Standard | $188.393.25% APY · No Penalty CD · Standard | $470.983.25% APY · No Penalty CD · Standard | $941.973.25% APY · No Penalty CD · Standard |
| 12 months | $187.503.75% APY · Traditional CD · Standard | $375.003.75% APY · Traditional CD · Standard | $937.503.75% APY · Traditional CD · Standard | $1,875.003.75% APY · Traditional CD · Standard |
| 13 months | $162.533.00% APY · Traditional CD · Standard | $325.053.00% APY · Traditional CD · Standard | $812.643.00% APY · Traditional CD · Standard | $1,625.273.00% APY · Traditional CD · Standard |
| 15 months | $172.372.75% APY · Traditional CD · Standard | $344.732.75% APY · Traditional CD · Standard | $861.832.75% APY · Traditional CD · Standard | $1,723.662.75% APY · Traditional CD · Standard |
| 18 months | $322.424.25% APY · Traditional CD · Standard | $644.834.25% APY · Traditional CD · Standard | $1,612.084.25% APY · Traditional CD · Standard | $3,224.174.25% APY · Traditional CD · Standard |
| 24 months | $434.034.25% APY · Traditional CD · Standard | $868.064.25% APY · Traditional CD · Standard | $2,170.164.25% APY · Traditional CD · Standard | $4,340.314.25% APY · Traditional CD · Standard |
| 36 months | $345.152.25% APY · Traditional CD · Standard | $690.302.25% APY · Traditional CD · Standard | $1,725.752.25% APY · Traditional CD · Standard | $3,451.512.25% APY · Traditional CD · Standard |
| 48 months | $519.062.50% APY · Traditional CD · Standard | $1,038.132.50% APY · Traditional CD · Standard | $2,595.322.50% APY · Traditional CD · Standard | $5,190.642.50% APY · Traditional CD · Standard |
| 60 months | $670.852.55% APY · Traditional CD · Standard | $1,341.702.55% APY · Traditional CD · Standard | $3,354.262.55% APY · Traditional CD · Standard | $6,708.522.55% APY · Traditional CD · Standard |
How Midwest BankCentre compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 27 of 192 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Midwest BankCentre (this institution)Traditional CD · Standard | 18 months | $1,000 | Coverage: MO | 4.25% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Midwest BankCentre on October 22, 2026.
About Midwest BankCentre
- Legal name
- Midwest BankCentre
- Regulator ID
- FDIC 1058
- Headquarters
- Lemay, MO
- Available in
- MO
- Total assets
- $3.1 billion
- Also known as
- Website
- www.midwestbankcentre.com
Source: rates read from https://www.midwestbankcentre.com/personal-banking/personal-cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Midwest BankCentre?
Among the rates we track, 4.25% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Midwest BankCentre CD?
The lowest minimum we found is $1,000.
How does Midwest BankCentre's best CD rate compare with Treasury yields?
4.25% APY is −0.47% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% 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 Midwest BankCentre CDs insured?
Midwest BankCentre is an FDIC-insured bank (FDIC 1058). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Midwest BankCentre's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Midwest BankCentre's website and may change at any time. Confirm terms, minimums and eligibility with Midwest BankCentre before opening an account. This page is not financial advice.