Sullivan Bank CD Rates — October 2026
As of October 23, 2026, Sullivan Bank's highest tracked CD rate is 4.30% APY on a 60-month promotional CD ($1,000 minimum). That is 3.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.25% to 0.50% APY.
Tracking began .
Sullivan Bank CD rates
Personal CDs and advertised CD specials require $1,000 to earn the quoted APY. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $1,000 | 0.25%Free rate alert | −4.01% | Top 91% of tracked 3-month CDs · Verified October 23, 2026 |
| 5 months | 5 Months Special Click to Open CD Promotional | $1,000 | 4.00%Free rate alert | −0.34% | Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 0.25%Free rate alert | −4.09% | Top 95% of tracked 6-month CDs · Verified October 23, 2026 |
| 11 months | 11 Months Special Click to Open CD Promotional | $1,000 | 4.10%Free rate alert | −0.34% | Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 0.50%Free rate alert | −3.96% | Top 94% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 0.50%Free rate alert | −4.08% | Top 94% of tracked 18-month CDs · Verified October 23, 2026 |
| 22 months | 22 Months Special Click to Open CD Promotional | $1,000 | 4.20%Free rate alert | −0.46% | Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 0.50%Free rate alert | −4.20% | Top 93% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 0.50%Free rate alert | −4.28% | Top 93% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 0.50%Free rate alert | −4.31% | Top 93% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | 60 Months Special Click to Open CD Promotional | $1,000 | 4.30%Free rate alert | −0.54% | Top 11% of tracked 60-month CDs · 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.
Watch the renewal rate
The best promotional rate here is 4.30% APY (60 months). The standard rate for a similar term is 0.50% APY (48 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $380 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 Sullivan Bank's best CD rates by term?
Sullivan Bank's best rate is 4.30% APY on 60 months, verified October 23, 2026.
- 3 mo0.25%
- 5 mo4.00%
- 6 mo0.25%
- 11 mo4.10%
- 12 mo0.50%
- 18 mo0.50%
- 22 mo4.20%
- 24 mo0.50%
- 36 mo0.50%
- 48 mo0.50%
- 60 mo4.30%
How much interest could a Sullivan 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.
$2,343.02 interest · $12,343.02 at maturity on $10,000.00.
4.30% APY · 60 months · 60 Months Special Click to Open CD · 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 |
|---|---|---|---|---|
| 3 months | $3.110.25% APY · Certificate of Deposit · Standard | $6.230.25% APY · Certificate of Deposit · Standard | $15.570.25% APY · Certificate of Deposit · Standard | $31.140.25% APY · Certificate of Deposit · Standard |
| 5 months | $82.344.00% APY · 5 Months Special Click to Open CD · Promotional | $164.674.00% APY · 5 Months Special Click to Open CD · Promotional | $411.684.00% APY · 5 Months Special Click to Open CD · Promotional | $823.364.00% APY · 5 Months Special Click to Open CD · Promotional |
| 6 months | $6.260.25% APY · Certificate of Deposit · Standard | $12.530.25% APY · Certificate of Deposit · Standard | $31.320.25% APY · Certificate of Deposit · Standard | $62.630.25% APY · Certificate of Deposit · Standard |
| 11 months | $187.844.10% APY · 11 Months Special Click to Open CD · Promotional | $375.684.10% APY · 11 Months Special Click to Open CD · Promotional | $939.194.10% APY · 11 Months Special Click to Open CD · Promotional | $1,878.384.10% APY · 11 Months Special Click to Open CD · Promotional |
| 12 months | $25.000.50% APY · Certificate of Deposit · Standard | $50.000.50% APY · Certificate of Deposit · Standard | $125.000.50% APY · Certificate of Deposit · Standard | $250.000.50% APY · Certificate of Deposit · Standard |
| 18 months | $37.580.50% APY · Certificate of Deposit · Standard | $75.160.50% APY · Certificate of Deposit · Standard | $187.910.50% APY · Certificate of Deposit · Standard | $375.810.50% APY · Certificate of Deposit · Standard |
| 22 months | $391.624.20% APY · 22 Months Special Click to Open CD · Promotional | $783.244.20% APY · 22 Months Special Click to Open CD · Promotional | $1,958.104.20% APY · 22 Months Special Click to Open CD · Promotional | $3,916.214.20% APY · 22 Months Special Click to Open CD · Promotional |
| 24 months | $50.120.50% APY · Certificate of Deposit · Standard | $100.250.50% APY · Certificate of Deposit · Standard | $250.620.50% APY · Certificate of Deposit · Standard | $501.250.50% APY · Certificate of Deposit · Standard |
| 36 months | $75.380.50% APY · Certificate of Deposit · Standard | $150.750.50% APY · Certificate of Deposit · Standard | $376.880.50% APY · Certificate of Deposit · Standard | $753.760.50% APY · Certificate of Deposit · Standard |
| 48 months | $100.750.50% APY · Certificate of Deposit · Standard | $201.510.50% APY · Certificate of Deposit · Standard | $503.760.50% APY · Certificate of Deposit · Standard | $1,007.530.50% APY · Certificate of Deposit · Standard |
| 60 months | $1,171.514.30% APY · 60 Months Special Click to Open CD · Promotional | $2,343.024.30% APY · 60 Months Special Click to Open CD · Promotional | $5,857.564.30% APY · 60 Months Special Click to Open CD · Promotional | $11,715.124.30% APY · 60 Months Special Click to Open CD · Promotional |
How Sullivan Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 40 of 403 tracked institutions with fresh 1825-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 |
|---|---|---|---|---|---|
| Sullivan Bank (this institution)60 Months Special Click to Open CD · Promotional | 60 months | $1,000 | Branches in MO | 4.30% | October 23, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.84% | 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 Sullivan Bank on October 23, 2026.
About Sullivan Bank
- Legal name
- SULLIVAN BANK
- Regulator ID
- FDIC 8892
- Headquarters
- Sullivan, MO
- Available in
- MO
- Total assets
- $1.4 billion
- Also known as
- Website
- www.sullivanbank.com
Source: rates read from https://www.sullivanbank.com/personal/accounts/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Sullivan Bank?
Among the rates we track, 4.30% APY on a 60-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Sullivan Bank CD?
The lowest minimum we found is $1,000.
How does Sullivan Bank's best CD rate compare with Treasury yields?
4.30% APY is −0.54% versus the 60-month Treasury yield of 4.84% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.41% 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 Sullivan Bank CDs insured?
Sullivan Bank is an FDIC-insured bank (FDIC 8892). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Sullivan Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Sullivan Bank's website and may change at any time. Confirm terms, minimums and eligibility with Sullivan Bank before opening an account. This page is not financial advice.