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Freedom Bank of Southern Missouri Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

Freedom Bank of Southern Missouri's 1 Year CD rates are at 4.06%, 18-Month CD rates are at 3.40%, 2 Year CD rates are at 3.25%, 3 Year CD rates are at 3.09%, 4 Year CD rates are at 3.09%. Freedom Bank of Southern Missouri's savings rates are at 0.55%. Freedom Bank of Southern Missouri's money market rates are at 1.76%. Freedom Bank of Southern Missouri's checking rates are as high as 0.20%. Freedom Bank of Southern Missouri's top CD rate of 4.06% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Freedom Bank of Southern Missouri with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates last updated and verified on 11/07/2026.

Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri? Share your experience about Freedom Bank of Southern Missouri by leaving a review below, or read customer reviews before you decide to use Freedom Bank of Southern Missouri.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.22%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Freedom Bank of Southern Missouri
97 Main St
Cassville, MO 65625
https://www.freedombk.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Freedom Bank of Southern Missouri CD Rates

Product Rate APY Term Min. Deposit View More
1-Year CD 4.00% 4.06% 1 year $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 12 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
1-Year IRA 4.00% 4.06% 1 Year $250
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 8 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
180 Day CD 3.60% 3.65% 180 days $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 12 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
90 Day CD 3.60% 3.65% 90 days $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 12 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
18-Month CD 3.36% 3.40% 18 months $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
2-Year CD 3.21% 3.25% 2 years $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 12 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
2-Year IRA 3.21% 3.25% 2 Year $250
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
3-Year CD 3.05% 3.09% 3 years $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 12 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
3-Year IRA 3.05% 3.09% 3 Year $250
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
4-Year CD 3.05% 3.09% 4 years $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 12 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
4-Year IRA 3.05% 3.09% 4 Year $250
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
5-Year CD 2.97% 3.00% 5 years $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
5-Year IRA 2.97% 3.00% 5 Year $250
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
30 Day CD 1.75% 1.76% 30 days $1,000
Min Deposit $1,000
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 12 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Savings Rates

Product Rate APY View More
Savings 0.55% 0.55%
Min Balance $100,000
Details Balance: $100,000.00
Last Updated 11/07/2026
Rate History
No change since Oct 14, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Oct 14, 2026: 0.55% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Savings 0.45% 0.45%
Min Balance $50,000
Details Balance: $50,000.00
Last Updated 11/07/2026
Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Oct 14, 2026: 0.45% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Minor Savings 0.40% 0.40%
Min Deposit $5
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 12 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Savings Accounts 0.40% 0.40%
Min Deposit $100
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 12 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Savings 0.35% 0.35%
Min Balance $0
Details Balance: <$50,000.00
Last Updated 11/07/2026
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Oct 14, 2026: 0.35% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Money Market Rates

Product Rate APY View More
Money Market 1.75% 1.76%
Min Deposit $1,000
Min Balance $250,000
Details Balance: $250,000.00 - $9,999,999.99
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 12 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Money Market 1.40% 1.41%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000.00 - $249,000.00
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 12 times
0.91%1.41%1.91%Sep 14, 2026: 1.41% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Money Market 1.00% 1.00%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.00
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 12 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Money Market 0.80% 0.80%
Min Deposit $1,000
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.00
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 12 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Money Market 0.70% 0.70%
Min Deposit $1,000
Min Balance $0
Details Balance: <$10,000.00
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 12 times
0.20%0.70%1.20%Sep 14, 2026: 0.70% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Business Money Market Rates

Product Rate APY View More
Business Money Market 1.75% 1.76%
Min Deposit $1,000
Min Balance $250,000
Details Balance: $250,000.00 - $9,999,999.99; ++ The interest rate and annual percentage yield may change after account opening
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 11 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Business Money Market 1.40% 1.41%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000.00 - $249,999.99; ++ The interest rate and annual percentage yield may change after account opening
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 11 times
0.91%1.41%1.91%Sep 14, 2026: 1.41% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Business Money Market 1.00% 1.00%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; ++ The interest rate and annual percentage yield may change after account opening
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Business Money Market 0.80% 0.80%
Min Deposit $1,000
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99; ++ The interest rate and annual percentage yield may change after account opening
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 11 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Business Money Market 0.70% 0.70%
Min Deposit $1,000
Min Balance $0
Details Balance: <$10,000.00; ++ The interest rate and annual percentage yield may change after account opening
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 11 times
0.20%0.70%1.20%Sep 14, 2026: 0.70% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Checking Rates

Product Rate APY View More
Freedom Shield Gold Checking Account ++ 0.20% 0.20%
Min Deposit $50
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 12 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Freedom Shield Plus Checking Account ++ 0.20% 0.20%
Min Deposit $50
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 12 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Business Checking Rates

Product Rate APY View More
Business Interest Checking ++ 0.20% 0.20%
Min Deposit $100
Min Balance $0
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 12 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%

Freedom Bank of Southern Missouri Other Rates

Product Rate Points APY/APR Term View More
180 Day IRA 3.60% - 3.65% 180 Day
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Anytime IRA 4.00% - 4.06%
Min Deposit $250
Min Balance $0
Details Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Last Updated 11/07/2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 12 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Freedom Bank of Southern Missouri’s Texas Ratio fell from 4.04% in Q3 2023 to 1.22% in Q2 2026, so its financial health has improved and is now 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★ 1.4% 2.0★ 2.7% 3.0★ 4.1% 4.0★ 5.5% 5.0★ Healthy zone – entire history below the 15% limit 4.04% 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 1.22% 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$850M1.22%5.0A+
March 31, 2026$841M3.63%5.0A+
December 31, 2025$803M3.11%5.0A+
September 30, 2025$773M1.41%5.0A+
June 30, 2025$743M0.96%5.0A+
March 31, 2025$740M1.22%5.0A+
December 31, 2024$705M1.54%5.0A+
September 30, 2024$700M1.15%5.0A+
June 30, 2024$691M2.01%5.0A+
March 31, 2024$703M1.71%5.0A+
December 31, 2023$634M3.12%5.0A+
September 30, 2023$625M4.04%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 Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Freedom Bank of Southern Missouri
Website https://www.freedombk.com
Address 97 Main St, Cassville, MO 65625  ·  Barry
Bank Holding Company FREEDOM BANCSHARES OF S MO INC
FDIC Certificate # 35276
Regulator FDIC
Established November 22, 1999
FDIC Insurance Date November 22, 1999
Domestic Offices 8
Total Branches 8
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.22%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.9321%
Return on Equity (ROE)
22.6500%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
$850,072,000
Total Deposits
$760,096,000
Equity Capital
$75,384,000
Net Income
$8,033,000
Headquarters
Cassville
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Freedom Bank of Southern Missouri 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/freedom-bank-of-southern-missouri-rates-review-35276">
  <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 Freedom Bank of Southern Missouri

Does Freedom Bank of Southern Missouri offer CDs?

Yes. Freedom Bank of Southern Missouri current CD rates include its 1 Year CD at 4.06% APY, its 18-Month CD at 3.40% APY and its 2 Year CD at 3.25% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Freedom Bank of Southern Missouri FDIC insured?

Yes. Freedom Bank of Southern Missouri is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Freedom Bank of Southern Missouri?

The highest Freedom Bank of Southern Missouri CD rate is its 1 Year CD at 4.06% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Freedom Bank of Southern Missouri offer?

Freedom Bank of Southern Missouri CD rates are 4.06% APY for a 12 month CD, 3.40% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.09% APY for a 3 year CD, 3.09% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Freedom Bank of Southern Missouri for its full lineup.

What is the highest savings rate at Freedom Bank of Southern Missouri?

The highest Freedom Bank of Southern Missouri savings rate is its Savings at 0.55% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Freedom Bank of Southern Missouri?

The highest Freedom Bank of Southern Missouri money market rate is its Business Money Market at 1.76% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at Freedom Bank of Southern Missouri?

The highest Freedom Bank of Southern Missouri checking rate is its Business Interest Checking ++ at 0.20% APY, verified by MonitorBankRates as of November 7, 2026.

How many branches does Freedom Bank of Southern Missouri operate?

Freedom Bank of Southern Missouri currently maintains approximately 8 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, Freedom Bank of Southern Missouri 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, Freedom Bank of Southern Missouri provides members with tools to manage their accounts and build a solid financial history.

Does Freedom Bank of Southern Missouri offer online and mobile banking?

Most modern institutions like Freedom Bank of Southern Missouri 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.freedombk.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Freedom Bank of Southern Missouri rates compare?

Freedom Bank of Southern Missouri's top CD rate of 4.06% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Freedom Bank of Southern Missouri's top rates are its 1 Year CD at 4.06% APY, its Savings at 0.55% APY, its Business Money Market at 1.76% APY and its Business Interest Checking ++ at 0.20% APY, verified by MonitorBankRates on November 7, 2026.

Current Freedom Bank of Southern Missouri Rates

  • 12-Month CD4.06%
  • 18-Month CD3.40%
  • 24-Month CD3.25%
  • 36-Month CD3.09%
  • 48-Month CD3.09%
  • 60-Month CD3.00%
  • Savings0.55%
  • MMA1.76%
Retrieved from our database of financial products. Rates subject to change.

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