Compare Bank & Credit Union Rates
Best CD rates in Independence, MO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Independence, MO
- 5.00%APY$289 over 7 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum $5,000. Maximum $1,000,000.
Offer: Online only. Maximum balance to open is $1,000,000.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.92%APY$619 over 15 months on $10,000with conditions
Requirements
Product: Interest compounded daily. Relationship rates based on aggregate daily balances in qualifying NASB Checking accounts. Balance tiers for 4.97% and 5.07% tiers are blank in current evidence.
Offer: Base rate without qualifying checking relationship.
Qualified rate · 4.80% interest rate · Compounded daily
Rate checked
More details - 4.58%APY$1,395 over 35 months on $10,000intro rate
Requirements
Product: Early withdrawal on share certificates may affect dividends earned.
Offer: 35 Month *Special*
Promotional rate · 4.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.15%APY$1,297 over 36 months on $10,000
Requirements
Product: No monthly maintenance service charge. Penalty for early withdrawal. Fixed rate for the full term. FDIC insured up to $250,000.
Offer: Penalty for early withdrawal.
4.09% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.03%APY$200 over 6 months on $10,000
Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.95% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum balance to open is $5,000; maximum balance to open is $500,000.
Offer: Online only.
3.92% interest rate · Compounded daily · Balance cap $500,000 · Effective Sep 11, 2026
Rate checked
More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 24 months · $500 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.83% interest rate · Effective Jul 10, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 3 branches
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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: Available online or at Kansas City area branches. Interest compounded daily and paid quarterly.
Offer: Minimum balance to open is $1,000.
Compounded daily
Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 3 branches
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 - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Independence, MO
200 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 3.91%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches