Montgomery Bank CD Rates — October 2026
As of October 22, 2026, Montgomery Bank's highest tracked CD rate is 3.75% APY on a 13-month promotional CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Montgomery Bank CD rates
CDs from 3 months to 5 years, including a 13-month CD. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.04% | Top 36% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.14% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit Promotional | $1,000 | 3.51% | −0.89% | Top 44% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.18% | Verified October 22, 2026 |
| 10 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.26% | Verified October 22, 2026 |
| 13 months | Certificate of Deposit Promotional | $1,000 | 3.75% | −0.85% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.47% | Top 61% of tracked 18-month CDs · Verified October 22, 2026 |
| 25 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.62% | Verified October 22, 2026 |
| 35 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.69% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.73% | Top 43% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit Promotional | $1,000 | 3.25% | −1.76% | Top 49% of tracked 60-month CDs · Verified 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 Montgomery Bank's best CD rates by term?
Montgomery Bank's best rate is 3.75% APY on 13 months, verified October 22, 2026.
- 3 mo3.25%
- 5 mo3.25%
- 6 mo3.51%
- 7 mo3.25%
- 10 mo3.25%
- 13 mo3.75%
- 18 mo3.25%
- 25 mo3.25%
- 35 mo3.25%
- 48 mo3.25%
- 60 mo3.25%
How much interest could a Montgomery 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.
$406.44 interest · $10,406.44 at maturity on $10,000.00.
3.75% APY · 13 months · Certificate of Deposit · Promotional · 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 | $40.033.25% APY · Certificate of Deposit · Promotional | $80.063.25% APY · Certificate of Deposit · Promotional | $200.143.25% APY · Certificate of Deposit · Promotional | $400.293.25% APY · Certificate of Deposit · Promotional |
| 5 months | $67.043.25% APY · Certificate of Deposit · Promotional | $134.083.25% APY · Certificate of Deposit · Promotional | $335.203.25% APY · Certificate of Deposit · Promotional | $670.403.25% APY · Certificate of Deposit · Promotional |
| 6 months | $87.233.51% APY · Certificate of Deposit · Promotional | $174.473.51% APY · Certificate of Deposit · Promotional | $436.173.51% APY · Certificate of Deposit · Promotional | $872.343.51% APY · Certificate of Deposit · Promotional |
| 7 months | $94.203.25% APY · Certificate of Deposit · Promotional | $188.393.25% APY · Certificate of Deposit · Promotional | $470.983.25% APY · Certificate of Deposit · Promotional | $941.973.25% APY · Certificate of Deposit · Promotional |
| 10 months | $134.983.25% APY · Certificate of Deposit · Promotional | $269.963.25% APY · Certificate of Deposit · Promotional | $674.903.25% APY · Certificate of Deposit · Promotional | $1,349.793.25% APY · Certificate of Deposit · Promotional |
| 13 months | $203.223.75% APY · Certificate of Deposit · Promotional | $406.443.75% APY · Certificate of Deposit · Promotional | $1,016.103.75% APY · Certificate of Deposit · Promotional | $2,032.203.75% APY · Certificate of Deposit · Promotional |
| 18 months | $245.953.25% APY · Certificate of Deposit · Promotional | $491.903.25% APY · Certificate of Deposit · Promotional | $1,229.753.25% APY · Certificate of Deposit · Promotional | $2,459.503.25% APY · Certificate of Deposit · Promotional |
| 25 months | $344.313.25% APY · Certificate of Deposit · Promotional | $688.623.25% APY · Certificate of Deposit · Promotional | $1,721.563.25% APY · Certificate of Deposit · Promotional | $3,443.123.25% APY · Certificate of Deposit · Promotional |
| 35 months | $489.073.25% APY · Certificate of Deposit · Promotional | $978.133.25% APY · Certificate of Deposit · Promotional | $2,445.343.25% APY · Certificate of Deposit · Promotional | $4,890.673.25% APY · Certificate of Deposit · Promotional |
| 48 months | $682.383.25% APY · Certificate of Deposit · Promotional | $1,364.763.25% APY · Certificate of Deposit · Promotional | $3,411.903.25% APY · Certificate of Deposit · Promotional | $6,823.803.25% APY · Certificate of Deposit · Promotional |
| 60 months | $867.063.25% APY · Certificate of Deposit · Promotional | $1,734.113.25% APY · Certificate of Deposit · Promotional | $4,335.283.25% APY · Certificate of Deposit · Promotional | $8,670.573.25% APY · Certificate of Deposit · Promotional |
How Montgomery Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 65 of 95 tracked institutions with fresh 395-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Montgomery Bank (this institution)Certificate of Deposit · Promotional | 13 months | $1,000 | Branches in MO | 3.75% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Associated Bank13 month CD special · Promotional | 13 months | $5,000 | Branches in IA, IL, MN, MO, NE, WI | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Montgomery Bank on October 22, 2026.
About Montgomery Bank
- Legal name
- Montgomery Bank
- Regulator ID
- FDIC 8255
- Headquarters
- Sikeston, MO
- Available in
- MO
- Total assets
- $1.2 billion
- Also known as
- Website
- www.montgomerybank.com
Source: rates read from https://www.montgomerybank.com/rates/account-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Montgomery Bank?
Among the rates we track, 3.75% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Montgomery Bank CD?
The lowest minimum we found is $1,000.
How does Montgomery Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.85% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% 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 Montgomery Bank CDs insured?
Montgomery Bank is an FDIC-insured bank (FDIC 8255). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Montgomery Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Montgomery Bank's website and may change at any time. Confirm terms, minimums and eligibility with Montgomery Bank before opening an account. This page is not financial advice.