Credit union · NCUA insured
Conservation Employees Credit Union CD Rates
Top CarrotConservation Employees Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Conservation Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Jefferson City, MO, where Conservation Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Conservation Employees Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
Certificates of Deposit
Top rate
MECE Credit Union
4.94%APY
- Term
- 48 months
- Minimum
- $10,000
- Earns on $10,000
- $2,127
2nd-highest rate
Sullivan Bank
4.30%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,343
Conservation Employees Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.67%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Conservation Employees Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.25%APY · 7 terms
Quarterly compounding. Subject to a 90-day early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.19% | $79 |
| 6 months | 4.07% | $201 |
| 12 months | 4.25% | $425 |
| 18 months | 3.51% | $531 |
| 24 months | 3.51% | $714 |
| 36 months | 3.67% | $1,142 |
| 48 months | 3.67% | $1,551 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.25%APY · 7 terms
Subject to a 90-day early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.19% | $79 |
| 6 months | 4.07% | $201 |
| 12 months | 4.25% | $425 |
| 18 months | 3.51% | $531 |
| 24 months | 3.51% | $714 |
| 36 months | 3.67% | $1,142 |
| 48 months | 3.67% | $1,551 |
Sources (2)
All captured Oct 16, 2026
Children's Certificate
4.07%APY · 1 term
Available to any member under the age of 18. Subject to a 90-day early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to any member under the age of 18 | 4.07% | $407 |
Sources (2)
All captured Oct 16, 2026
Who can join Conservation Employees Credit Union
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