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 121–135 results in Missouri
- 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 - 3.86%APY$353 over 11 months on $10,000intro rate
Requirements
Product: Compounded quarterly. *11 Month CD Special will automatically renew at maturity as a 12 month CD. A certificate maturing one year or less will have a 90 day interest penalty.
Offer: Compounded quarterly. *11 Month CD Special will automatically renew at maturity as a 12 month CD. A certificate maturing one year or less will have a 90 day interest penalty.
Promotional rate · 3.80% interest rate · Compounded quarterly · Effective Sep 29, 2026
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000intro rate
Requirements
Product: Dividends compound daily and are credited quarterly. Early withdrawal penalties may apply. $500 minimum opening deposit required.
Offer: Special (Limited Time Only)
Promotional rate
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 89 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 - 3.85%APY$785 over 24 months on $10,000
Requirements
Product: Investment account for 6-month to 60-month term. Minimum deposit of $500 required to open a certificate of deposit. Quarterly interest compounded or deposited into a share or checking account. Automatically renewable with a 10-day grace period. Early withdrawal penalty applies.
Offer: Certificate of Deposit Rates are subject to change daily.
3.80% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.85%APY$1,414 over 42 months on $10,000intro rate
Requirements
Product: To open a CD online, must be a resident of specific Missouri counties (Adair, Chariton, Clark, Knox, Lewis, Linn, Macon, Marion, Monroe, Putnam, Ralls, Randolph, Schuyler, Scotland, Shelby, Sullivan), otherwise call or use online/mobile banking app. CD APYs are based on quarterly compounding. Fees could reduce earnings. Substantial penalty for early withdrawal.
Offer: 42 Month Special. Minimum balance required to open account and obtain Annual Percentage Yield.
Promotional rate · 3.80% interest rate · Effective Jan 6, 2026
Rate checked
More details - United Community Credit UnionShare Certificate of DepositCD · 13 months · $1,000 min
Credit union · 1 branch
3.82%APY$414 over 13 months on $10,000intro rateRequirements
Product: Dividends compound monthly. Penalty may apply for early withdrawal. Minimum opening balance is $1,000.00.
Offer: 13 Month Special
Promotional rate · 3.75% interest rate
Rate checked
More details - 3.81%APY$478 over 15 months on $10,000
Requirements
Product: Interest on 91-Day Certificate compounded at maturity and credited to account. All other Certificate interest compounded quarterly and credited on the last day of each quarter. Renew automatically at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: 15 Month CD. Interest compounded quarterly and credited on the last day of each quarter.
3.75% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time. Dividends can be re-invested into the certificate, deposited into account, or paid by monthly check.
Effective Oct 1, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000intro rate
Requirements
Product: Interest is compounded monthly. Fees may reduce earnings. Penalty may apply for early withdrawal. At maturity, automatically renews at current specified rate for 12 months.
Offer: Minimum deposit of $7,500 to open and obtain APY. At maturity, automatically renews at current specified rate for 12 months. Interest is compounded monthly. Early withdrawal penalty may apply.
Promotional rate · 3.74% interest rate · Compounded monthly · Effective Jan 8, 2026
Rate checked
More details - 3.80%APY$220 over 7 months on $10,000intro rate
Requirements
Product: Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 is required to obtain the advertised APY, unless otherwise noted.
Offer: Minimum opening deposit of $5,000 of funds not already on deposit with St. Johns Bank. CD automatically will renew at the current 6-month posted rate as of the maturity date. This offer is subject to cancellation without notice. 3-month interest penalty for early withdrawal of funds.
Promotional rate · 3.75% interest rate · Effective May 18, 2026
Rate checked
More details - Community Bank of MissouriDream Savers Certificate of DepositCD · 12 months · $200 min
Bank · 2 branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Deposits may be made in the amount of $20.00 or more at any time. Funds may be withdrawn without penalty under certain circumstances such as buying or renovating a home, medical, or college expenses.
Offer: An interest penalty may be imposed for early withdrawals. Criteria for withdrawal without penalty: Purchasing a home, medical emergency or college tuition. Minimum balance to open is $200.00.
3.75% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal; all interest is forfeited for early withdrawal. Interest calculated using Daily Balance Method. Terms range from 91 days to 60 months. Interest payment options: reinvest, transfer to another account, or receive a check.
Offer: 12 Month Certificate of Deposit. Minimum balance to obtain APY is $500.00.
3.75% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.80%APY$412 over 13 months on $10,000
Requirements
Product: Minimum $500 to open all certificates. A penalty may be imposed for early withdrawal.
Offer: Interest is compounded and credited quarterly with final interest credited at maturity. 13 Month CD automatically renews for 12 Month CD term, rates effective at that time.
3.75% interest rate · Effective Nov 20, 2024
Rate checked
More details - 3.79%APY$283 over 9 months on $10,000
Requirements
Product: Interest is paid, or compounded, semi-annually. Penalty for early withdrawal.
3.75% interest rate · Effective Feb 27, 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 Missouri
1,673 CDs at 176 banks and credit unions · checked Oct 16–22
- Typical
- 3.12%
- Top 10% from
- 4.10%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.41%
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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