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Personal Certificates of Deposit

What a Sound Investment Looks Like

Certificates of Deposit

For both short- and long-term savings, we provide a variety of certificates ranging from 30 days to 60 months, the minimum balance to open is just $500.00.

Dream Savers Certificates of Deposit

Looking for a flexible way to save for a rainy day? Our Dream Savers Certificate of Deposit offers a competitive rate without the usual restrictions. Deposits may be made to this Certificate of Deposit in the amount of $20.00 or more at any time. Funds may even be withdrawn without penalty under certain circumstances, such as buying or renovating a home, medical, or college expenses. The minimum balance to open this unique 12-month product is only $200.00.

Junior Dream Savers Certificates of Deposit

It’s never too late or too early to start saving with a Junior Dream Savers Certificate of Deposit. The same rate and benefits as the Dream Savers Certificate of Deposit  except funds may be withdrawn without penalty under circumstances such as purchasing a car, laptop, or other college expense.

New Account Requirements
When opening a new account with Community Bank of Missouri, we will ask for you to provide an unexpired government-issued photo ID, such as a license or a passport and a second form of ID with your name on it such as a voter registration card, insurance card, utility bill, tax receipt, or a debit/credit card for each owner or authorized signer.
Click the link below to complete our Customer Information Profile form for each owner or authorized signer:

Bring your two forms of ID with each completed Customer Information Profile form(s) to either of our bank locations to complete the account opening process.
Our Personal Certificate of Deposit options are also available for Trust and Estate Accounts. Please provide copies of Trust and Estate documents at account opening.
All Certificate of Deposits can be opened as an Individual Retirement Account (IRA). We also offer a 12-month and a 24-month ROTH IRA Certificate of Deposit.

Current Rates

Term Minimum Balance Interest Rates Annual Percentage Yield (APY)
30 Day CD
$500.00 0.05% 0.05 %
90 Day CD $500.00 0.15% 0.15%
180 Day CD $500.00
7 Month CD $500.00 4.25 % 4.32 %
12 Month CD $500.00 4.75% 4.86  %
18 Month CD $500.00 0.40% 0.40%
24 Month CD $500.00 0.60 % 0.60 %
36 Month CD $500.00 0.90% 0.90%
48 Month CD $500.00 0.90% 0.90%
60 Month CD $500.00 0.90 % 0.90 %
Dream Savers* $200.00 4.75 % 4.86 %
Junior Dream Savers** $200.00 4.75 % 4.86  %
Annual Percentage Yield is accurate as of December 6th, 2023
An interest penalty may be imposed for early withdrawals.
Rates are subject to change daily without notice.
*Criteria for withdrawal without penalty – buying or renovating a home, medical or college expenses.
**Criteria for withdrawal without penalty – Purchasing a car, laptop or other college expenses.

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