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 1–15 results in Missouri
- 5.09%APY$509 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly and deposited to certificate. 90-day early withdrawal penalty, 10-day grace period at end of contract. Dividends are paid on entire balance if minimum balance is met. Subject to change quarterly.
Offer: 1 year term. Dividends paid quarterly and deposited to certificate. 90-day penalty for early withdrawal; 10-day grace period at end of contract. Dividends paid on entire balance if minimum balance is met.
5.00% interest rate · Balance cap $100,000
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More details - Members 1st Credit Union75th Anniversary CD SpecialCD · 12 months · $7,500 min
Credit union · 2 branches
4.84%APY$484 over 1 year on $10,000intro rateRequirements
Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.
Promotional rate · Effective Oct 1, 2026
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More details - 4.57%APY$457 over 1 year on $10,000
Requirements
Offer: 1 year certificate rate stated as 4.50% APR - 4.57% APY.
4.50% interest rate
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More details - 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: No monthly maintenance fees. No minimum balance required to earn the APY. Early withdrawal penalties may apply. Must fund account within 30 days of opening.
Offer: Quarterly Post or Interest Checks; interest checks will reduce Annual Percentage Yield (APY). The special rate applies to new money only. Funds currently on deposit with Paramount Bank may not be eligible for this special rate.
Promotional rate · 4.43% interest rate · Effective Oct 17, 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 - 4.39%APY$439 over 1 year on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.30% interest rate · Effective Oct 5, 2026
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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 - Central Missouri Community Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 3 branches
4.33%APY$433 over 1 year on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
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More details - Conservation Employees Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
4.18% interest rate · Effective Oct 13, 2026
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More details - 4.22%APY$422 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
4.15% interest rate
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More details - 4.22%APY$422 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.15% interest rate
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More details - 4.20%APY$420 over 1 year 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: 12-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 - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: All CDs listed are fixed rate CDs. A penalty may be imposed for early withdrawal of principal during the term of a CD. Interest is accrued on the full daily balance.
4.20% interest rate · Effective Sep 22, 2026
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More details - 4.19%APY$419 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest is compounded daily on all certificates.
4.10% interest rate · Compounded daily · Effective Oct 9, 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 1-year CDs pay in Missouri
191 CDs at 162 banks and credit unions · checked Oct 16–22
- Typical
- 3.35%
- Top 10% from
- 4.10%
- Banks, typical
- 3.03%
- Credit unions, typical
- 3.53%
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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