Looking to invest? Why not try a fixed term, fixed rate Certificate of Deposit with Mid America Bank & Trust Company. We offer Certificates and Individual Retirement Accounts (IRAs) with terms ranging from one month to sixty months. You have the option of having your interest compounded or receiving a check at maturity. Or you may have your interest deposited into yur checing or savings account.  Early withdrawal penalties do apply to certificates of deposit. Whether you're saving for retirement, education or other future plans, let Mid America Bank & Trust Company help you attain your goals! Contact us for more information or visit us in St. Robert, Dixon or Rolla.

Earn a guaranteed return for a specific period when you purchase a Certificate of Deposit. We offer competitive rates in terms from 1 month to 60 months. You choose the term that you are able to commit to.

Traditional Certificate of Deposit's

  • $1,000.00 Minimum deposit
  • See our current rate sheet. Rates are subject to change.)
  • Penalties for early withdrawal: (CD 12 months or less = 1 month interest; CD over 12 months = 3 months interest)

Kid's CD

  • $100.00 Minimum deposit
  • Kids 0 - 12 are eligible
  • Same rates as current CD’s
  • CD opened in child’s birth month get extra 10 basis points on interest rate