Compare Bank & Credit Union Rates
Best CD rates in Cape Girardeau, MO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Cape Girardeau, MO
- 4.40%APY$1,379 over 36 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 4.14%APY$309 over 9 months on $10,000
Requirements
Offer: Compounded semi-annually. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.09% interest rate · Effective Oct 4, 2026
Rate checked
More details - 4.10%APY$101 over 3 months on $10,000
Requirements
Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.
Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000
Requirements
Product: Option to bump (increase) interest rate one time for remainder of term if rate increases; option to add funds at time of bump-up request. Interest is compounded quarterly.
Offer: A penalty may be imposed for early withdrawal, and the rate may change after account opening. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Dividends compounded quarterly.
3.94% interest rate · Compounded quarterly · Effective Aug 10, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$407 over 13 months on $10,000intro rate
Requirements
Product: Rates are subject to change daily. Interest is compounded quarterly. Minimum opening deposit for all Certificates of Deposit is $1,000. Early withdrawal of CD principal is subject to an interest penalty ranging from 3 months' interest to 18 months' interest based on original issue term.
Offer: CD Rate bumps do not apply to current 13 month CD special.
Promotional rate · 3.70% interest rate · Compounded quarterly
Rate checked
More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly.
3.50% interest rate · Compounded quarterly · Effective Jan 13, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Cape Girardeau, MO
63 CDs at 8 banks and credit unions · checked Oct 6–16
- Typical
- 3.21%
- Top 10% from
- 4.10%
- Banks, typical
- 3.23%
- Credit unions, typical
- 3.00%
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Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- 1st MidAmerica Credit UnionCredit union · 1 branch