Credit union · NCUA insured
St. Louis Community Credit Union CD Rates
St. Louis Community Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How St. Louis Community Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where St. Louis Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Louis Community Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $300
- Earns on $10,000
- $350
Share Certificate
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
St. Louis Community Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.50%
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 St. Louis Community 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.
Share Certificate
Up to 3.50%APY · 8 terms
Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 2.95% | $73 |
| 6 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.40% | $169 |
| 9 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.45% | $258 |
| 12 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.50% | $350 |
| 24 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.35% | $681 |
| 36 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.35% | $1,039 |
| 48 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.40% | $1,431 |
| 60 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.40% | $1,820 |
Special-purpose accounts
IRA Share Certificate
Up to 3.50%APY · 8 terms
Available in Traditional IRA and Roth IRA wrappers. Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 2.95% | $73 |
| 6 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.40% | $169 |
| 9 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.45% | $258 |
| 12 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less) | 3.50% | $350 |
| 24 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.35% | $681 |
| 36 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.35% | $1,039 |
| 48 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.40% | $1,431 |
| 60 monthsDividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days) | 3.40% | $1,820 |
Who can join St. Louis Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis City and Franklin, St. Louis, and St. Charles counties in Missouri, or St. Clair, Madison, Monroe, and Jersey counties in Illinois.
Family and household
- Membership is open to relatives of those eligible for St. Louis Community membership, including spouse, children, parents, brothers and sisters, grandparents and grandchildren, aunts and uncles, nieces and nephews, first cousins, legal guardians, and step, in-law, and legally adoptive relationships.
Cost to join
- Opening a regular savings account with a minimum deposit and balance of $1 is required to establish membership.
Membership information collected October 4, 2026.