*APY= Annual Percentage Yield
$1,000 Minimum to open account, 4.23% interest rate effective 4/28/2025, early withdrawal penalties may apply.
 

Calculate Your Earnings

 

Open Your CD Today!

Open online or visit on of our six convenient area locations in Maplewood, Florissant, Affton, Maryland Heights, St. Peters, or St. Charles to open your account:
Maplewood
Manchester @ Oakview Terrace
7305 Manchester Rd.
Maplewood, MO  63143
Florissant
St. Ferdinand (Graham) @ Washington
430 St. Ferdinand
Florissant, MO  63031
Westport
Dorsett @ Schuetz
11812 Dorsett Road
Maryland Heights, MO 63043
South County - Affton
Mackenzie @ Gravois
9111 Mackenzie
Affton, MO 63123
St. Peters
Salt Lick @ Mexico
671 Salt Lick Road
St. Peters, MO 63376
St. Charles
Hwy 94 @ Portwest
2145 Bluestone Drive
St. Charles, MO 63303






Certificate of Deposit FAQs

Certificates of Deposit (CDs) are a convenient savings option. Choose from a variety of terms and options with features that include:
  • Low minimum deposit to open the account
  • Competitive interest rates
  • Quarterly compounding interest
  • May be eligible for a monthly or quarterly interest check (Special CD rates at CNB St. Louis Bank have compounded interest and are not eligible for interest checks)
Calculate your interest with our CD Interest Calculator - enter the rate, balance and term to find out how much you will earn in your CD!

Since our Certificate of Deposit accounts have a penalty for early withdrawal, it is important that you plan ahead!  One of the strategies our clients have found success with is called CD Laddering. 
CD Laddering is the practice of staggering maturity dates to ensure you can take advantage of the higher interest rates offered by longer maturities while also ensuring you have funds available when you need them. We offer a convenient calculator to help you plan!

















Definitions

Opening Deposit

The amount of money you choose to open your CD with.

Months

The term of the CD, expressed in months.

Interest Rate

The published interest rate for this CD Special, effective April 28, 2025. This rate is for a limited time only and is subject to change at any time. Click here for our current rates. 

Compounding

The interest earned on your CD is added to your CD balance at regular intervals. This is called "compounding." For this 7 Month CD Special, interest is being compounded quarterly.

Annual Percentage Yield (APY)

This is the effective annual interest rate earned for this CD. A CD's APY depends on the frequency of compounding and the interest rate. 


Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.