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 May 19, 2025
CD & IRAs
| Term | APY* (In Branch) $1,000 minimum opening deposit | APY* (Online) $5,000 minimum opening deposit The rates shown are only available for online accounts. |
|---|---|---|
| 3 Month CD | 4.49% | Not Offered Online |
| 6 Month CD | 4.29% | 4.29% |
| 7 Month CD | 4.50% | 4.50% |
| 9 Month CD | 4.30% | 4.30% |
| 12 Month CD | 4.25% | 4.25% |
| 13 Month CD | 4.25% | 4.25% |
| 15 Month CD | 4.30% | Not Offered Online |
| 15 Month New Money CD** | 4.51% | 4.51% |
| 18 Month CD | 4.30% | Not Offered Online |
| 18 Month New Money CD** | 4.51% | 4.51% |
| 24 Month CD | 4.20% | Not Offered Online |
| 24 Month New Money CD** | 4.40% | 4.40% |
| 26 Month CD | 4.20% | Not Offered Online |
| 30 Month CD | 4.00% | Not Offered Online |
| 30 Month Rate-Bump Up CD*** | 4.05% | Not Offered Online |
| 36 Month CD | 3.95% | 3.95% |
| 42 Month CD | 4.00% | Not Offered Online |
| 48 Month CD | 4.05% | Not Offered Online |
| 60 Month CD | 4.10% | 4.10% |
*Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. APY is accurate as of date of publication. The maximum deposit is $500,000 per account. FDIC insurance is limited to the maximum allowed by law. 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 in branch and no business or institutional funds allowed online. Other restrictions may apply. IRA CDs are available for terms of 12 months or longer. Contact bank for details.
**New Money: Funds already held on deposit at First Bank of the Lake cannot be used to open this account. The entirety of your deposit to open the account must be sourced from funds not already held at First Bank of the Lake (“New Money”).
***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.
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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