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Edward Jones Trust Company Rates & Review September 2026

Edward Jones Trust Company's 5-year 5 Year FDIC - Insured Certificates of Deposit rates are at 4.90%, 4-year 4 Year FDIC - Insured Certificates of Deposit rates are at 4.80%, 3-year 3 Year FDIC - Insured Certificates of Deposit rates are at 4.75%, 2-year 2 Year FDIC - Insured Certificates of Deposit rates are at 4.50%, 18-month 18-Month FDIC - Insured Certificates of Deposit rates are at 4.45%. Edward Jones Trust Company's Personal Loan Rates are as low as 6.50%. MonitorBankRates evaluates the financial stability of Edward Jones Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/19/2026.

Edward Jones Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Edward Jones Trust Company? Share your experience about Edward Jones Trust Company by leaving a review below, or read customer reviews before you decide to use Edward Jones Trust Company.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Edward Jones Trust Company
12555 Manchester Rd
Saint Louis, MO 63131
https://www.edwardjones.com
Member FDIC

Edward Jones Trust Company CD Rates

Product Rate APY Term View More
5 Year FDIC - Insured Certificates of Deposit - 4.90% 5-year
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
4 Year FDIC - Insured Certificates of Deposit - 4.80% 4-year
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
3 Year FDIC - Insured Certificates of Deposit - 4.75% 3-year
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
2 Year FDIC - Insured Certificates of Deposit - 4.50% 2-year
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
18 Month FDIC - Insured Certificates of Deposit - 4.45% 18-month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
1 Year FDIC - Insured Certificates of Deposit - 4.30% 1-year
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
9 Month FDIC - Insured Certificates of Deposit - 4.25% 9-month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
6 Month FDIC - Insured Certificates of Deposit - 4.20% 6-month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
3 Month FDIC - Insured Certificates of Deposit - 4.10% 3-month
No additional details.
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Edward Jones Trust Company Personal Loan Rates

Product APR Term View More
Personal Line of Credit 6.50%
Details Pricing Group Assets Under Care: $1,000,000 to $2,499,999
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Personal Line of Credit 7.75%
Details Pricing Group Assets Under Care: $500,000 to $999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Personal Line of Credit 8.25%
Details Pricing Group Assets Under Care: $250,000 to $499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Personal Line of Credit 8.75%
Details Pricing Group Assets Under Care: $100,000 to $249,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Personal Line of Credit 9.00%
Details Pricing Group Assets Under Care: less than $100,000
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Edward Jones Trust Company Other Rates

Product Rate Points APY/APR Term View More
U.S. Treasury Bills, Notes and Bonds - 1-Year 4.32% - 4.32% 1-Year
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
U.S. Treasury Bills, Notes and Bonds - 10-Year 4.89% - 4.89% 10-Year
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
U.S. Treasury Bills, Notes and Bonds - 2-Year 4.70% - 4.70% 2-Year
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
U.S. Treasury Bills, Notes and Bonds - 30-Year 5.23% - 5.23% 30-Year
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
U.S. Treasury Bills, Notes and Bonds - 5-Year 4.77% - 4.77% 5-Year
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 0.10%
Min Balance $0
Details Balance: Less than $250,000
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 0.35%
Min Balance $250,000
Details Balance: $250,000-$499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 0.55%
Min Balance $500,000
Details Balance: $500,000-$999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 1.00%
Min Balance $1,000,000
Details Balance: $1,000,000-$2,499,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 1.20%
Min Balance $2,500,000
Details Balance: $2,500,000-$4,999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 1.35%
Min Balance $5,000,000
Details Balance: $5,000,000-$9,999,999.99
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Insured Bank Deposit - - 1.65%
Min Balance $10,000,000
Details Balance: $10,000,000 and above
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Investment Shares - - 3.02%
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Non-Retirement Uninvested Cash Balance - - 0.15%
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Retirement Shares - - 3.03%
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Retirement Uninvested Cash Balance - - 0.15%
Last Updated 09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Financial Health History

Edward Jones Trust Company’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$161M0.00%5.0A+
March 31, 2026$156M0.00%5.0A+
December 31, 2025$151M0.00%5.0A+
September 30, 2025$150M0.00%5.0A+
June 30, 2025$143M0.00%5.0A+
March 31, 2025$139M0.00%5.0A+
December 31, 2024$134M0.00%5.0A+
September 30, 2024$135M0.00%5.0A+
June 30, 2024$131M0.00%5.0A+
March 31, 2024$128M0.00%5.0A+
December 31, 2023$126M0.00%5.0A+
September 30, 2023$121M0.00%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Edward Jones Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Edward Jones Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Edward Jones Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Edward Jones Trust Company
FDIC Certificate # 28390
Address 12555 Manchester Rd, Saint Louis, MO 63131  ·  St. Louis
Established 18960101
FDIC Insurance Date 19890809
Domestic Offices 1
Total Branches 1
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 8.5362%
Return on Equity (ROE) 9.2900%
Non-Performing Loans (NPL) 0.00%
Total Assets $160,513,000
Total Deposits $500,000
Equity Capital $146,925,000
Net Income $6,641,000
Headquarters Saint Louis
Total Branches and Offices 1
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Edward Jones Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Edward Jones Trust Company

How many branches does Edward Jones Trust Company operate?

Edward Jones Trust Company currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Edward Jones Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Edward Jones Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Edward Jones Trust Company offer online and mobile banking?

Most modern institutions like Edward Jones Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.edwardjones.com.

Current Edward Jones Trust Company Rates

  • 12-Month CD4.30%
  • 18-Month CD4.45%
  • 24-Month CD4.50%
  • 36-Month CD4.75%
  • 48-Month CD4.80%
  • 60-Month CD4.90%
Retrieved from our database of financial products. Rates subject to change.