Credit union · NCUA insured
Multipli Credit Union CD Rates
Top CarrotMultipli Credit Union’s best CD rate is 4.20% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Multipli Credit Union’s CD rates compare
Compared with banks and credit unions near Columbia, MO, where Multipli Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Multipli Credit Union
4.20%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $456
Certificate
Top rate
Regional Missouri Bank
4.42%APY
- Term
- 48 months
- Minimum
- $100
- Earns on $10,000
- $1,889
2nd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Multipli Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.20%
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 Multipli 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.
Certificate
Up to 4.20%APY · 9 terms
Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 6 monthsMonthly dividends; Rollover at maturity | 4.00% | $198 |
| 12 monthsMonthly dividends; Rollover at maturity | 3.95% | $395 |
| 13 monthsMonthly dividends; Rollover at maturity | 4.20% | $456 |
| 18 monthsMonthly dividends; Rollover at maturity | 3.65% | $552 |
| 24 monthsMonthly dividends; One-time bump up; Rollover at maturity | 4.15% | $847 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
EasySaver Certificate
3.25%APY · 1 term
Requires $10 minimum opening deposit (initial deposit cannot exceed $1,000.00). Requires automatic monthly deposits of at least $10 to keep open. Matures annually on open date. Early withdrawal penalty: 25% of original deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInitial deposit cannot exceed $1,000.00; $10 minimum deposit per month; requires automatic deposits; monthly dividends; annual maturity on open date | 3.25% | $325 |
Who can join Multipli Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join Multipli Credit Union if you live, work, or regularly conduct business in Audrain, Boone, Callaway, Camden, Christian, Cole, Cooper, Dade, Dallas, Greene, Howard, Lawrence, Miller, Moniteau, Osage, Polk, and Webster Counties in Missouri.
Membership information collected October 4, 2026.