Compare Bank & Credit Union Rates
Best CD rates in Joplin, MO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Joplin, MO
- 4.49%APY$373 over 10 months on $10,000
Effective Oct 9, 2026
Rate checked
More details - 4.45%APY$521 over 14 months on $10,000intro rate
Requirements
Product: Compounds monthly. Minimum amount to open: $500. Regular and Special Rates do not apply to Public Funds. Early withdrawal penalty applies.
Offer: CD Special. Term: 14 Months. Rates do not apply to Public Funds.
Promotional rate · 4.36% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.31%APY$468 over 13 months on $10,000intro rate
Requirements
Offer: Available for a limited time. A minimum opening deposit of $1000 and a minimum balance of $1000 are required to earn the APY. Upon maturity, the renewal rate will be based on the 12-month board rate in effect.
Promotional rate · Effective Sep 8, 2025
Rate checked
More details - 4.30%APY$321 over 9 months on $10,000with conditions
Requirements
Product: The minimum amount required to open a Certificate of Deposit is $1,000. Penalty may apply for early withdrawal.
Offer: Must be new money deposited within the last 45 days or have a collateral loan $25,000+
Qualified rate · Effective Sep 30, 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 - 4.25%APY$868 over 24 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal on Certificates of Deposit. Rates are effective for a limited time only. Fees could reduce earnings.
Offer: 24-Month Special
Promotional rate · 4.25% interest rate · Effective Oct 1, 2026
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More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies.
4.00% interest rate · Effective Aug 1, 2026
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More details - 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Standard CD early withdrawal penalties apply.
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 - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.50%APY$320 over 11 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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 Joplin, MO
103 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.09%
- Banks, typical
- 0.95%
- Credit unions, typical
- 2.31%
Is your bank paying you enough?
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Joplin, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches