CD stands for Certificate of Deposit, and it’s like a special savings account where you put your money for a set amount of time. CNB St. Louis Bank offers different rates for these CDs, and we’re here to break it down for you in simple terms. Let’s explore how you can make your money work for you with CNB St. Louis Bank CD rates.

CNB St Louis Bank CD Rates Offers

The potential CD offers by CNB St. Louis Bank are;

3-Month CD

Key Features

  • Minimum Deposit: $1,000
  • Interest Rate: 0.15%
  • Annual Percentage Yield: 0.15%


  • Ideal for short-term savings needs.
  • Low-risk, but lower interest compared to longer-term options.

Pros & Cons

Quick access to fundsLow interest compared to longer terms
Low riskLimited growth potential


6-Month CD

Key Features

  • Minimum Deposit: $1,000
  • Interest Rate: 4.91%
  • Annual Percentage Yield: 5.00%


  • A slightly longer commitment for those seeking a bit higher interest.
  • Still a relatively short-term option.

Pros & Cons

Short-term commitmentModerate interest rate
Limited returns over a longer period

1-Year CD

Key Features

  • Minimum Deposit: $1,000
  • Interest Rate: 2.48%
  • Annual Percentage Yield: 2.50%


  • Moderate commitment with a competitive interest rate.
  • Suitable for those looking for a balance between risk and return.

Pros & Cons

Competitive interest rateModerate commitment period
Balance of risk and returnNot as liquid as shorter-term options

Are CNB St Louis Bank CD Rates Competitive?

CNB St. Louis Bank CD rates demonstrate competitiveness, particularly in specific terms.

  • The 2-year CD with a 2.75% APY for a $500 deposit and the 1-year CD with a 2.50% APY for a $1,000 deposit offer competitive returns.
  • The 6-month CD stands out with an impressive 5.00% APY.

For thorough precision, it is critically required to compare rates across institutions, but CNB St. Louis Bank presents appealing options for various investment preferences.

Overview CNB St Louis Bank

We started in 1915 as the Citizens Bank of Maplewood. Our story is born out of a major storm hitting our neighborhoods that dropped 6 inches of rain and left hundreds stranded. Our community then met to gather ideas for a new bank. 

Since then, we have been focused on helping develop our community through financing and community development events. Recently, we participated in Jeans Day with the St Patrick Center, which is focused on the physical and mental health of individuals and families who have financial and homelessness issues. 

Helping people who need help is at the core of our community philosophy. Some of the people served by organizations like the St Patrick’s Center would have a difficult time maintaining a job or home life because of their mental health or other needs. One of our goals as a bank is financial education. 

We understand that many families and individuals have short and long-term financial goals and we love to help them retire on time as well as finance things like vehicles and boats to get them to work and leisure. The focus of a bank should be to educate people on the big picture for their money so they can have a stable life and enjoy their purchases without worrying about the financial aspects of these processes.


To open a certificate of deposit at CNB St Louis Bank, we would love to make you a member first. You can then open a checking account or a savings account to deposit your certificate of deposit earnings.

Locations CNB St Louis Bank 

We offer six locations throughout St Louis including in Maplewood, Florissant, Affton, and St Charles. Our ATM network is much larger and includes numerous spots throughout Missouri. You can readily find your local community credit union when you need us. Otherwise, we offer a great online experience too.

Frequently Asked Questions

What are the current CD rates offered by CNB St. Louis Bank?

Rates vary by term, with options ranging from 3 months to 5 years.

Is there a minimum deposit required to open a CD with CNB St. Louis Bank?

Yes, minimum deposits start at $500 and may vary based on the CD term.

What is the APY for the 6-month CD?

The 6-month CD offers a high 5.00% APY.

Is there an option to automatically renew a CD at CNB St. Louis Bank?

Yes, many CDs offer automatic renewal options; however, confirm this with the bank when opening the CD.

What happens if I forget to renew my CD with CNB St. Louis Bank?

If you don’t provide instructions, the bank may automatically renew the CD or transfer funds to another account; verify this with the bank.