Community Bank of Raymore savings, CD and money market rates
Community Bank of Raymore's Kasasa Saver advertises 0.20% APY on balances of $10,000 or less. The bank states no rate for larger balances.
The rate needs a linked account at the bank. That is 0.18 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1790 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1578.
Estimate your earnings·What Community Bank of Raymore actually pays
Community Bank of Raymore at a glance
| Savings | |
|---|---|
| Top savings APY | 0.20% · Kasasa Saver · $10,000 or less only · needs a linked account at the bank |
| Minimum to open | $25 · Kasasa Saver |
| Against the national average | 0.18 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.23% · 36 months · IntraFi Network Deposit 3-Year |
| Minimum to open | $10,000 · 36 months CD |
| Against the national average | 2.84 percentage points above the 1.39% FDIC 36-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 2.50% · Premier Money Management Account |
| Minimum to open | $25 · Premier Money Management Account |
| Against the national average | 1.87 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 22867 · Raymore, MO |
|---|---|
| Website | www.cbronline.net |
| Branches | 3 branches in MO |
| Availability | Available in MO |
Community Bank of Raymore savings, CD and money market rates
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Community Bank of Raymore CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | 3.57% | $10,000 | IntraFi Network Deposit 4-Week |
| 1 months | 0.05% | $500 | 30 Day CD |
| 3 months | 3.66% | $10,000 | IntraFi Network Deposit 13-Week |
| 3 months | 0.05% | $500 | 90 Day CD |
| 6 months | 3.79% | $10,000 | IntraFi Network Deposit 26-Week |
| 6 months | 0.05% | $500 | 6 Month CD |
| 12 months | 3.91% | $10,000 | IntraFi Network Deposit 1-Year |
| 12 months | 0.05% | $500 | 1 Year CD |
| 15 months | 0.05% | $5,000 | Rate Watcher CD 15 Month |
| 24 months | 4.19% | $10,000 | IntraFi Network Deposit 2-Year |
| 24 months | 0.05% | $500 | 2 Year CD |
| 27 months | 0.05% | $5,000 | Rate Watcher CD 27 Month |
| 36 months | 4.23% | $10,000 | IntraFi Network Deposit 3-Year |
| 36 months | 0.05% | $500 | 3 Year CD |
| 48 months | 0.10% | $500 | 4 Year CD |
Interactive Tool
Calculate Savings for Community Bank of Raymore
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$68.50(0.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,068.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Community Bank of Raymore pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 0.20% applies to balances of $10,000 or less. The bank states no rate for the balance above that.
In Q2 2026, Community Bank of Raymore paid a higher average rate on savings and money market deposits than 56% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Community Bank of Raymore, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Kasasa Saver | 0.20% | $25 | $0 | $10,000 | not stated | Linked account at the bank | One rate | |
| Fine print: The highest rate applies only to balances up to $10,000. Balances above that amount earn a lower blended rate. The highest rate also requires the monthly qualification activities on the linked Kasasa Cash or Kasasa Cash Back checking account; in any month those are not met, the whole balance earns the base rate. Free electronic statements are required to open and keep the account. | ||||||||
| Savings Account | 0.05% | $25 | $0 | None | not stated | not stated | One rate | |
| Fine print: Only two withdrawals each month are free. Each further withdrawal in the same month costs $1. | ||||||||
| Premier Money Management Account | 2.50% | $25 | $0 | None | not stated | not stated | One rate | |
| Fine print: Withdrawals are allowed only on the second and fourth Wednesday of each month, or the next business day when that day is a holiday. A withdrawal on any other day costs $25. The account can be opened only in person at a branch. | ||||||||
| Money Market | Up to 0.15% | $25 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| IntraFi Network Deposit 4-Week | 1 months | 3.57% | $10,000 | not stated | not stated |
| 30 Day CD | 1 months | 0.05% | $500 | not stated | not stated |
| IntraFi Network Deposit 13-Week | 3 months | 3.66% | $10,000 | not stated | not stated |
| 90 Day CD | 3 months | 0.05% | $500 | not stated | not stated |
| IntraFi Network Deposit 26-Week | 6 months | 3.79% | $10,000 | not stated | not stated |
| 6 Month CD | 6 months | 0.05% | $500 | not stated | not stated |
| IntraFi Network Deposit 1-Year | 12 months | 3.91% | $10,000 | not stated | not stated |
| 1 Year CD | 12 months | 0.05% | $500 | not stated | not stated |
| Rate Watcher CD 15 Month | 15 months | 0.05% | $5,000 | not stated | not stated |
| IntraFi Network Deposit 2-Year | 24 months | 4.19% | $10,000 | not stated | not stated |
| 2 Year CD | 24 months | 0.05% | $500 | not stated | not stated |
| Rate Watcher CD 27 Month | 27 months | 0.05% | $5,000 | not stated | not stated |
| IntraFi Network Deposit 3-Year | 36 months | 4.23% | $10,000 | not stated | not stated |
| 3 Year CD | 36 months | 0.05% | $500 | not stated | not stated |
| 4 Year CD | 48 months | 0.10% | $500 | not stated | not stated |
Fine print for 6 CDs above: The rates the bank publishes for this account are the rates for the week ahead. They are repriced every Wednesday and can change before your order is placed.
Fine print for 2 CDs above: You can take one rate increase during the term of the CD, if the bank raises its Rate Watcher rate while your CD is open.
Opening and using the account
| Availability | Available in MO |
|---|---|
| Footprint | 3 branches in MO |
| Eligibility | not stated |
How Community Bank of Raymore behaves over time
Every observation of the advertised Kasasa Saver rate in the last 12 months was 0.20% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 14, 2026IntraFi Network Deposit 4-WeekRaise:3.56%to3.57%
- Obs. Oct 14, 2026IntraFi Network Deposit 13-WeekRaise:3.64%to3.66%
- Obs. Oct 14, 2026IntraFi Network Deposit 26-WeekRaise:3.76%to3.79%
- Obs. Oct 14, 2026IntraFi Network Deposit 1-YearRaise:3.87%to3.91%
- Obs. Oct 14, 2026IntraFi Network Deposit 2-YearRaise:4.14%to4.19%
- Kasasa Saver
- The same as 30 days ago.
- 36 months CD
- Up 0.16 percentage points from 7 days ago.
- Premier Money Management Account
- Up 0.27 percentage points from 30 days ago.
$10,000 at the 0.20% APY Community Bank of Raymore advertises on Kasasa Saver grows to $10,020 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,659 does today. See how the federal funds rate shapes savings rates.
Community Bank of Raymore CD rates over time
Who is Community Bank of Raymore?
| Headquarters | Raymore, MO |
|---|---|
| Founded | 1979 |
| Scale | $347M assets · $331M deposits, $249M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 22867 |
| Charter state | Missouri · one of 194 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,085th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 3% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Community Bank of Raymore pays on deposits above.
Common questions about Community Bank of Raymore
Is Community Bank of Raymore FDIC insured?
Yes. Community Bank of Raymore is FDIC insured under certificate 22867, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Community Bank of Raymore?
Community Bank of Raymore requires a minimum deposit of $25 to open its Kasasa Saver account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does the 0.20% apply to my whole balance?
The 0.20% applies to balances of $10,000 or less. The bank states no rate for the balance above that. The rate needs a linked account at the bank.
Does Community Bank of Raymore have branches?
Yes. Community Bank of Raymore operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Community Bank of Raymore against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Community Bank of Raymore | 0.20% | 1.59% | $25 | 3 branches in MO |
| Aroostook County Federal Savings and Loan Association | 0.20% | 1.92% | $5 | 2 branches in ME |
| Bank Forward | 0.20% | 3.74% | $200 | 12 branches in MN, ND |
| Bank of Prairie du Sac | 0.20% | 2.46% | $100 | 2 branches in WI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Community Bank of Raymore's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Missouri, nearest to Community Bank of Raymore in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: CD rates in Missouri, money market rates in Missouri, and banks in Missouri.