CD Rates
Some of the Best Rates in the Nation!
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Find interest rates for our Certificates of Deposit and Individual Retirement Accounts
We offer competitive rates and friendly First Bank of the Lake service.
Rates effective as of February 21, 2025
CD & IRA Specials
(remotely or in-person at branch)
| Term | APY* | Minimum Opening Deposit |
|---|---|---|
| 7 Month CD | 4.50% | $1,000 |
| 9 Month CD | 4.30% | $1,000 |
| 13 Month CD | 4.25% | $1,000 |
| 15 Month CD | 4.30% | $1,000 |
| 26 Month CD | 4.20% | $1,000 |
| 30 Month Bump-up CD** | 4.05% | $1,000 |
| 33 Month CD | 4.05% | $1,000 |
| 42 Month CD | 4.00% | $1,000 |
* Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
** 30 Month Bump-up CD: Annual Percentage Yield (APY) represents interest earned through maturity date. APY is accurate as of date of publication and may change without notice at any time after the account is opened. Early withdrawals may be subject to penalties which could reduce earnings on these accounts. A one-time rate adjustment is permitted any time during the original term. When exercising the bump-up option, the term must be the same as the term of your original CD. Bump-up CDs will renew into CDs not permitting a bump-up of the interest rate.
Standard CDs & IRAs
(remotely or in-person at branch)
| Term | APY* | Minimum Opening Deposit |
|---|---|---|
| 3 Month CD | 4.50% | $1,000 |
| 6 Month CD | 4.30% | $1,000 |
| 12 Month CD | 4.25% | $1,000 |
| 18 Month CD | 4.25% | $1,000 |
| 24 Month CD | 4.15% | $1,000 |
| 36 Month CD | 3.95% | $1,000 |
| 48 Month CD | 4.05% | $1,000 |
| 60 Month CD | 4.10% | $1,000 |
* Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. Rates subject to change at any time without notice. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. No institutional funds allowed. Other restrictions may apply. Contact bank for details.
Located at the entrance of the Osage Beach Outlet Marketplace
4558 Osage Beach Parkway, Suite 100
Osage Beach, MO 65065
(573) 348-2265
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