# Southwest Missouri Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/southwest-missouri-bank
Institution: Southwest Missouri Bank (FDIC 22876)
Aliases: 
Status: live
Last verified: 2026-10-23T03:20:45.000Z (October 22, 2026)
Official source: https://www.smbonline.com/other/deposit-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month Special Certificate of Deposit | promotional | 6 months | $500 | 4.09% | Not ZIP-priced | −0.31% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 6 months | $500 | 4.09% | Not ZIP-priced | −0.31% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| 12-Month Special Certificate of Deposit | promotional | 12 months | $500 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 12 months | $500 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| 24-Month Special Certificate of Deposit | promotional | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 24 months | $500 | 2.00% | Not ZIP-priced | −2.87% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 36 months | $500 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 48 months | $500 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |
| Certificate of Deposit | standard | 60 months | $500 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T03:20:45.000Z | [Snapshot 968](https://apyledger.com/snapshots/968) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.