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Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location
In St. Louis, MO-IL metro

Top CD rates

Showing 1–15 results in St. Louis, MO-IL metro

  1. De Soto Mo Pac Credit UnionCertificate of DepositCD · 12 months · $5,000 min

    Credit union · 1 branch

    5.09%APY$509 over 1 year on $10,000
  2. Top Carrot, Carrot Score 93
    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 rate
  3. De Soto Mo Pac Credit UnionShare CertificatesCD · 12 months

    Credit union · 1 branch

    4.57%APY$457 over 1 year on $10,000
  4. Paramount BankCertificate of DepositCD · 12 months · $1,000 min

    Bank · 1 branch

    4.50%APY$450 over 1 year on $10,000intro rate
  5. Top Carrot, Carrot Score 87
    National Police FCUShare CertificatesCD · 12 months · $500 min

    Credit union · 1 branch

    4.39%APY$439 over 1 year on $10,000
  6. Top Carrot, Carrot Score 93
    CIBC Bank USACIBC Agility Certificate of Deposit (CD)CD · 12 months · $1,000 min

    Bank · 1 branch

    4.35%APY$435 over 1 year on $10,000
  7. Lindell BankSpecial Certificates of DepositCD · 12 months · $10,000 min

    Bank · 15 branches

    4.25%APY$425 over 1 year on $10,000
  8. Academy BankCertificate of DepositCD · 12 months · $500 min

    Bank · 3 branches

    4.20%APY$420 over 1 year on $10,000
  9. MRV BanksCertificate of DepositCD · 12 months · $1,000 min

    Bank · 2 branches

    4.10%APY$410 over 1 year on $10,000
  10. Top Carrot, Carrot Score 94
    FRB Federal Credit UnionTerm CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.08%APY$408 over 1 year on $10,000
  11. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance

    Credit union · 2 branches

    4.05%APY$405 over 1 year on $10,000
  12. Top Carrot, Carrot Score 91
    Bank of WashingtonCertificate of DepositCD · 12 months · $500 min

    Bank · 7 branches

    4.05%APY$405 over 1 year on $10,000
  13. Top Carrot, Carrot Score 87
    First Federal Savings Bank of MascoutahCertificate of DepositsCD · 12 months · $1,000 min

    Bank · 3 branches

    4.01%APY$401 over 1 year on $10,000
  14. Top Carrot, Carrot Score 88
    Alliance Credit UnionCertificates of DepositCD · 12 months · $1,000 min

    Credit union · 6 branches

    4.01%APY$401 over 1 year on $10,000
  15. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 2 branches

    4.00%APY$400 over 1 year on $10,000

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 St. Louis, MO-IL metro

101 CDs at 80 banks and credit unions · checked Oct 16–22

Typical
3.25%
Top 10% from
4.05%
Banks, typical
2.78%
Credit unions, typical
3.56%

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St. Louis, MO-IL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. First Community Credit UnionCredit union · 42 branches
  2. 1st MidAmerica Credit UnionCredit union · 8 branches
  3. FRB Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate