Credit union · NCUA insured
Multi-States Credit Union CD Rates
Multi-States Credit Union’s best CD rate is 4.30% APY on a 9-month share certificate (CD), with extra requirements. Terms run from 3 months to 18 months. Rates checked October 16, 2026.
How Multi-States Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Multi-States Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Multi-States Credit Union
4.30%APY
- Term
- 9 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $321
Certificates of Deposit
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $373
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.30%APY · 5 terms
The minimum amount required to open a Certificate of Deposit is $1,000. Penalty may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 2.50% | $124 |
| 9 monthsMust be new money deposited within the last 45 days or have a collateral loan $25,000+ | 4.30% | $321 |
| 12 months | 3.50% | $350 |
| 18 months | 4.00% | $606 |
Sources (1)
- mymscu.com/current-rates · captured Oct 5, 2026
Who can join Multi-States Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, affiliates, volunteers, and other groups associated with Mercy Health System.
Family and household
- Membership is open to families of Mercy Health System employees, affiliates, and volunteers.
Cost to join
- Purchase one $10 share to deposit into main savings account, which must remain on deposit at all times for membership.
Membership information collected October 4, 2026.