Credit union · NCUA insured
Vantage Credit Union CD Rates
Vantage Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Vantage Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Vantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vantage Credit Union
4.00%APY
- Term
- 11 months
- Minimum
- $2,000
- Earns on $10,000
- $366
Promotional Certificate of Deposit
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
Vantage Credit Union CD score
78
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.00%
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 Vantage 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.
Promotional Certificate of Deposit
Up to 4.00%APY · 3 terms
Membership eligibility required. Promotional certificate of deposit. Account is subject to penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsTraditional and Roth IRA CDs not available | 3.75% | $280 |
| 11 monthsMust be funded with money that has not been on deposit with Vantage Credit Union for 30 days prior to opening. Traditional and Roth IRA CDs not available | 4.00% | $366 |
| 15 monthsMust be funded with money that has not been on deposit with Vantage Credit Union for 30 days prior to opening | 3.75% | $471 |
Jumbo Certificate (CD)
Up to 3.60%APY · 7 terms
Membership eligibility required. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional and Roth IRA CDs not available | 1.00% | $50 |
| 12 months | 3.35% | $335 |
| 18 months | 3.40% | $514 |
| 24 months | 3.45% | $702 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.60% | $1,934 |
Regular Certificate (CD)
Up to 3.25%APY · 7 terms
Membership eligibility required. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional and Roth IRA CDs not available | 0.75% | $37 |
| 12 months | 3.00% | $300 |
| 18 months | 3.05% | $461 |
| 24 months | 3.10% | $630 |
| 36 months | 3.15% | $975 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.25% | $1,734 |
Step-Up Certificate (CD)
3.15%APY · 1 term
Membership eligibility required. Allows one rate step-up increase during the 36-month term. When CD automatically renews for another three-year term, member has another opportunity to step up the rate. New APY and interest postings become effective on next statement after request.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsOne rate increase during 36-month term | 3.15% | $975 |
Starter Certificate (CD)
0.75%APY · 1 term
Membership eligibility required. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 0.75% | $81 |
Who can join Vantage Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.