TBO Bank CD Rates

See institution-verified CD rates, terms, and APYs from TBO Bank and compare them on CD Valet’s unbiased marketplace.

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About TBO Bank

TBO Bank

Member FDIC

BauerFinancial Ratings

Verified by

CD Valet Rate Specialists

•Reviewed by

Bryan Johnson, C.F.A.®

Updated October 13, 2026

About TBO Bank

TBO Bank is a federally insured financial institution that offers deposit products including certificates of deposit (CDs) and savings accounts. CD rates and terms may vary depending on duration and market conditions. Deposits are insured by the FDIC up to applicable limits.

A Century of Trust. A Future of Opportunity.

For more than 120 years, TBO Bank has helped individuals, families, and businesses reach their financial goals through genuine service and lasting relationships. What began in Missouri as a small community bank built on trust and care has grown into a financial partner serving customers nationwide.

Rooted in our Kansas City values of hard work, integrity, and personal service, we bring that same hometown spirit to every customer we serve. Today, TBO Bank combines the trusted feel of a community bank with the strength of a modern financial institution — proudly offering some of the most competitive Certificate of Deposit (CD) rates in the country, along with a full range of personal and business solutions.

At TBO, we’re redefining modern banking by keeping it personal — the way it was meant to be.

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CD Rates

TBO Bank CD RatesAPY Updated on 01/26/2026

CD Rates

APY Updated on 01/26/2026

4.15%

APY

6 Mo

Term

$500

Min. Deposit

No Limit

Max. Deposit

4.10%

APY

9 Mo

Term

$500

Min. Deposit

No Limit

Max. Deposit

See All Rates

This page provides current CD rate data and basic information to help you compare options across banks and term lengths. Want to see how this bank compares to others? View today’s best CD rates

Highlights

Address

113 E South Front St, Orrick, MO 64077

Areas we serve

Nationwide

Helping You Lock In Savings.

CD Account Opening

Open Online

Open In Branch

Customer Support

Branch

Phone

Additional Features

Electronic Funding

Fixed Rate

No Setup or Service Fees

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Frequently Asked Questions

Are all CD rates listed on CD Valet federally insured ?

CD Valet only shows rates from financial institutions that are federally insured. Typically, most banks are federally insured by the FDIC while credit unions are insured by NCUA. Some financial institutions are privately insured. In general, the FDIC and NCUA insure up to $250,000 per depositor. FDIC coverage is based on account ownership and structure. Depending on ownership, CDs can be insured for more than the standard $250,000. Consumers should check the insured status of the financial institution they are considering. Please contact the bank or credit union directly to determine the insurance eligibility of your deposits.

I'm interested in opening a certificate of deposit with a financial institution listed on CD Valet. How do I open the account ?

CD Valet shows the most competitive CD rates offered by thousands of banks and credit unions nationwide. Found a great rate? If the CD is offered by one of our partner financial institutions, you can easily and securely start the account opening process by clicking “Open Now.” You will be re-directed to the financial institution’s digital account opening process or prompted to provide your contact information so the financial institution can reach out to you to open your account. If the CD is not one of our Featured CDs, you can navigate to the financial institution’s website to learn how to open an account with them. If you have any questions, please reach out to the financial institution or contact our team at support@cdvalet.com.

I'm opening a CD I found on CD Valet. Is my account with CD Valet or the financial institution ?

Congrats on finding a great rate! As an online marketplace, CD Valet does not offer CD products – our site displays rates offered by federally insured banks and credit unions. Your deposit is with the financial institution you’ve chosen to open an account. CD Valet is not involved in your transaction with the financial institution.

Why are there certain CD offerings that are not available for me to open ?

Some financial institutions – mainly community credit unions – may have specified geographic restrictions or membership criteria that must be met to open an account with them. For example, a community credit union in Texas may only offer its financial services to Texas residents that live, work, or attend school in a defined Texas county. In these cases, you may sometimes find a rate on CD Valet that may not be eligible to you or available in your state. We recommend using our ✨Customize Your Search feature to filter for rates that may be available specifically in your state.

Which bank has the highest CD rates right now ?

CD rates change frequently based on market conditions, Federal Reserve policy, and individual bank strategies. The institution offering the highest CD rate today may differ tomorrow, and the best rate can also vary depending on the term length and minimum deposit requirements.

To see which banks and credit unions are currently offering competitive returns, you can review this month's CD rate recommendations and compare options nationwide.

Does TBO Bank offer CDs ?

Yes, TBO Bank offers certificate of deposit (CD) accounts with fixed interest rates across multiple term lengths.

Are CDs from TBO Bank FDIC insured ?

CDs from TBO Bank are typically issued by a federally insured institution and are covered up to applicable FDIC limits.

How do CD rates vary at TBO Bank ?

CD rates vary based on the selected term length and current market conditions.

The smart saver's trusted source for verified, high-yield CD rates from federally insured banks and credit unions.

* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

TBO Bank CD Rates — Verified APYs · Updated October 2026

See institution-verified CD rates, terms, and APYs from TBO Bank and compare them on CD Valet’s unbiased marketplace.

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