Compare Bank & Credit Union Rates
Best CD rates in Missouri
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 181–195 results in Missouri
- The Bank of SalemCertificates of DepositCD · 12 months · $1,000 min · 3.29%–3.39% by balance
Bank · 2 branches
3.29%APY$329 over 1 year on $10,000Requirements
Product: Minimum opening balance $1,000.00. Tiered interest based on minimum daily balance. Substantial interest penalty incurred for early withdrawal. Annual percentage yield calculation based on quarterly interest compounding. Must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield.
3.25% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $50,000Your amount 3.29% $50,000 – $100,000 3.34% $100,000 and up 3.39% Rate checked
More details - 3.29%APY$1,757 over 60 months on $10,000
Requirements
Product: Dividends are fixed for the term, paid quarterly, and determined monthly. Minimum deposit is $500.00. Early withdrawal penalties apply.
Effective Oct 5, 2026
Rate checked
More details - 3.28%APY$328 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. CDs may have interest paid by compounding, interest check, or deposited to an Adrian Bank account. Automatically renewable CDs have a ten day grace period during which the deposit may be redeemed without incurring the early withdrawal penalty. Non-renewable CDs will not automatically renew at maturity.
Offer: Interest compounds and is paid semi-annually. Early withdrawal penalty: 3 Months interest.
3.25% interest rate · Effective Sep 17, 2025
Rate checked
More details - 3.28%APY$328 over 1 year on $10,000
Requirements
Product: Minimum opening balance of $1,000.00 to earn stated APY. Subject to penalty for early withdrawal. Rates accurate as of 1/26/2026 and subject to change without notice.
Offer: 12 Month term. Early withdrawal penalty may apply.
3.25% interest rate · Effective Jan 26, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: While there is not an early withdrawal penalty for the 7-month no penalty CD, interest that has accrued, but has not been credited to the CD will NOT be paid upon termination. Fees may reduce earning.
Offer: Interest that has accrued, but has not been credited to the CD will not be paid upon termination.
3.21% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: $1,000 minimum deposit to open. Terms from 3 months to 2 years. Penalty-free withdrawals or changes within 10 calendar days after the CD maturity date. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. Flexible interest payments available.
Offer: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit before maturity.
3.20% interest rate · Effective Sep 15, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Requires $10 minimum opening deposit (initial deposit cannot exceed $1,000.00). Requires automatic monthly deposits of at least $10 to keep open. Matures annually on open date. Early withdrawal penalty: 25% of original deposit.
Offer: Initial deposit cannot exceed $1,000.00; $10 minimum deposit per month; requires automatic deposits; monthly dividends; annual maturity on open date
Effective Sep 18, 2026
Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Membership eligibility required. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
Effective Sep 1, 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
Rate checked
More details - Great Plains FCUCertificatesCD · 6 months · $500 min · 3.04%–3.24% by balance
Credit union · 2 branches
3.24%APY$161 over 6 months on $10,000Requirements
Product: Standard CD early withdrawal penalties apply. Minimum balance required to earn dividends at applicable rate. Rates subject to change.
Offer: Minimum balance required to earn dividends at applicable rate.
Effective Sep 16, 2025
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 3.04% $10,000 and upYour amount 3.24% Rate checked
More details - 3.20%APY
Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal determined by the CD term. Interest compounded and credited quarterly.
Offer: Seven Years (84+ months). Minimum balance to earn interest/APY is $1,000.
3.16% interest rate · Effective Sep 11, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.15%APY$640 over 24 months on $10,000
Requirements
Product: Compounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
Offer: Compounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
3.15% interest rate
Rate checked
More details - 3.15%APY$975 over 36 months on $10,000intro rate
Requirements
Product: 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.
Offer: One rate increase during 36-month term.
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - The Hamilton BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 2.82%–3.79% by balance
Bank · 3 branches
3.12%APY$155 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce earnings. Minimum balance of $0.01 daily balance required to obtain APY.
Offer: Daily balance tier $1,000.00-$9,999.99. Minimum balance to obtain APY is $0.01.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY $1,000 – $10,000 2.82% $10,000 – $50,000Your amount 3.12% $50,000 and up 3.79% 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 Missouri
1,676 CDs at 176 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.15%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.41%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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