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 16–30 results in Missouri
- Security Bank of Southwest MissouriCertificate of DepositCD · 7 months · $1,000 min
Bank · 3 branches
4.50%APY$260 over 7 months on $10,000Requirements
Product: Minimum deposit to open is $1,000.00. Substantial penalty for early withdrawal. Additional deposits are not allowed during the term. Interest is compounded and credited quarterly.
4.43% interest rate
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More details - Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min
Credit union · 13 branches
4.50%APY$412 over 11 months on $10,000Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
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More details - 4.50%APY$643 over 17 months on $10,000intro rate
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
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More details - 4.49%APY$373 over 10 months on $10,000
Effective Oct 9, 2026
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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
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More details - 4.45%APY$2,432 over 60 months on $10,000
Requirements
Product: APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
Offer: Interest paid quarterly.
4.38% interest rate
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More details - 4.42%APY$1,889 over 48 months on $10,000
Requirements
Product: Fixed rate higher than standard savings. Additional deposits accepted. No setup or maintenance fees. Early withdrawal penalty for 4-year maturity is 365 days interest.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 4-year maturity is 365 days interest.
4.35% interest rate · Effective Oct 13, 2026
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More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal.
4.33% interest rate · Effective Oct 9, 2026
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More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
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More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 2026
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More details - 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
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More details - 4.35%APY$251 over 7 months on $10,000with conditions
Requirements
Product: Without a Century checking account, subtract 0.10% APY. Early withdrawal penalties apply. Maximum deposit amounts may apply. Eligible for individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
Offer: 7 Month Special up to 4.35% APY. Withdrawal prior to maturity subject to penalty.
Qualified rate
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More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.27% interest rate · Balance cap $5,000,000 · Effective Sep 22, 2026
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More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Personal accounts only; business and corporate accounts do not qualify. Early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Compounds semi-annually.
4.30% interest rate
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More details - Assemblies of God Credit UnionCertificate of Deposit (CD)CD · 21 months · $1,000 min
Credit union · 2 branches
4.35%APY$774 over 21 months on $10,000Requirements
Product: Certificate dividends are paid monthly. Penalty may apply for early withdrawal. Rates subject to change.
Offer: Limited-time rate. If automatic renewal is selected, 21-month certificate of deposit will renew at a 18-month term and interest rate in effect at that time.
4.27% interest rate · Effective Sep 24, 2026
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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%
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