Southwest Missouri Bank CD Rates — October 2026
As of October 22, 2026, Southwest Missouri Bank's highest tracked CD rate is 4.25% APY on a 24-month promotional CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.00% to 4.15% APY.
Tracking began .
Southwest Missouri Bank CD rates
CD specials (6, 12 and 24 months) and standard CDs from 6 to 60 months with a $500 minimum; term ranges are shown at their lower bound. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month Special Certificate of Deposit Promotional | $500 | 4.09% | −0.31% | Top 10% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $500 | 4.09% | −0.31% | Top 10% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 12-Month Special Certificate of Deposit Promotional | $500 | 4.15% | −0.42% | Top 16% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 4.15% | −0.42% | Top 16% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 24-Month Special Certificate of Deposit Promotional | $500 | 4.25% | −0.62% | Top 14% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 2.00% | −2.87% | Top 81% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 2.00% | −2.95% | Top 79% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 2.00% | −2.98% | Top 78% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 2.00% | −3.01% | Top 81% 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.
Watch the renewal rate
The best promotional rate here is 4.25% APY (24 months). The standard rate for a similar term is 2.00% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $225 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Southwest Missouri Bank's best CD rates by term?
Southwest Missouri Bank's best rate is 4.25% APY on 24 months, verified October 22, 2026.
- 6 mo4.09%
- 12 mo4.15%
- 24 mo4.25%
- 36 mo2.00%
- 48 mo2.00%
- 60 mo2.00%
How much interest could a Southwest Missouri 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.
$868.06 interest · $10,868.06 at maturity on $10,000.00.
4.25% APY · 24 months · 24-Month Special 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 |
|---|---|---|---|---|
| 6 months | $101.514.09% APY · 6-Month Special Certificate of Deposit · Promotional | $203.014.09% APY · 6-Month Special Certificate of Deposit · Promotional | $507.534.09% APY · 6-Month Special Certificate of Deposit · Promotional | $1,015.054.09% APY · 6-Month Special Certificate of Deposit · Promotional |
| 12 months | $207.504.15% APY · 12-Month Special Certificate of Deposit · Promotional | $415.004.15% APY · 12-Month Special Certificate of Deposit · Promotional | $1,037.504.15% APY · 12-Month Special Certificate of Deposit · Promotional | $2,075.004.15% APY · 12-Month Special Certificate of Deposit · Promotional |
| 24 months | $434.034.25% APY · 24-Month Special Certificate of Deposit · Promotional | $868.064.25% APY · 24-Month Special Certificate of Deposit · Promotional | $2,170.164.25% APY · 24-Month Special Certificate of Deposit · Promotional | $4,340.314.25% APY · 24-Month Special Certificate of Deposit · Promotional |
| 36 months | $306.042.00% APY · Certificate of Deposit · Standard | $612.082.00% APY · Certificate of Deposit · Standard | $1,530.202.00% APY · Certificate of Deposit · Standard | $3,060.402.00% APY · Certificate of Deposit · Standard |
| 48 months | $412.162.00% APY · Certificate of Deposit · Standard | $824.322.00% APY · Certificate of Deposit · Standard | $2,060.802.00% APY · Certificate of Deposit · Standard | $4,121.612.00% APY · Certificate of Deposit · Standard |
| 60 months | $520.402.00% APY · Certificate of Deposit · Standard | $1,040.812.00% APY · Certificate of Deposit · Standard | $2,602.022.00% APY · Certificate of Deposit · Standard | $5,204.042.00% APY · Certificate of Deposit · Standard |
How Southwest Missouri Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 40 of 392 tracked institutions with fresh 730-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 |
|---|---|---|---|---|---|
| Southwest Missouri Bank (this institution)24-Month Special Certificate of Deposit · Promotional | 24 months | $500 | Branches in MO | 4.25% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Southwest Missouri Bank on October 22, 2026.
About Southwest Missouri Bank
- Legal name
- Southwest Missouri Bank
- Regulator ID
- FDIC 22876
- Headquarters
- Carthage, MO
- Available in
- MO
- Total assets
- $1.2 billion
- Also known as
- Website
- www.smbonline.com
Source: rates read from https://www.smbonline.com/other/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Southwest Missouri Bank?
Among the rates we track, 4.25% APY on a 24-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Southwest Missouri Bank CD?
The lowest minimum we found is $500.
How does Southwest Missouri Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.62% versus the 24-month Treasury yield of 4.87% (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 Southwest Missouri Bank CDs insured?
Southwest Missouri Bank is an FDIC-insured bank (FDIC 22876). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Southwest Missouri Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Southwest Missouri Bank's website and may change at any time. Confirm terms, minimums and eligibility with Southwest Missouri Bank before opening an account. This page is not financial advice.