Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 144 results in Missouri
- North American Savings Bank15-Month Relationship CDCD · 15 months · $1,000 min · 4.97%–5.02% by balance
Bank · 10 branches
5.02%APY$631 over 15 months on $10,000on balances up to $9,999with conditionsRequirements
Product: Interest compounded daily. Relationship rates based on aggregate daily balances in qualifying NASB Checking accounts. Balance tiers for 4.97% and 5.07% tiers are blank in current evidence.
Offer: Requires qualifying NASB checking account balance.
Qualified rate · 4.85% interest rate · Compounded daily · Effective Oct 16, 2026
Rate by balance
Rate by balance for 15-Month Relationship CD Balance APY Any balance 4.97% $2,500 – $9,999Your amount 5.02% Rate checked
More details - Great Rivers BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min · 3.70%–5.00% by balance
Bank · 1 branch
5.00%APY$247 over 6 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.67% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and up 3.70% $5,000 and upYour amountSpecial Limited Time 5.00% Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 18 months · $100 min · up to $10,000
Bank · 6 branches
5.00%APY$759 over 18 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.
Offer: 18 Month YOUTH Fair CD Special; Preferred Rate with Franklin Jr. Savings Account (Ages 12 and under) or any BFC Checking Account (Ages 13-22); Account holder must be 22 years of age or younger and present ribbon or sash from any 2026 fair; Limited to 1 CD per account holder; Offer expires 11/15/26
Qualified rate · 4.89% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.65%APY$828 over 21 months on $10,000intro rate
Requirements
Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
Offer: 21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity.
Promotional rate · 4.57% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.60%APY$189 over 5 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: New Money Only - funds not currently held on deposit with FMB. Interest compounded monthly. At maturity, renews to a 3-Month term. Penalty for early withdrawal.
4.51% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 60 months · $500 min · 3.66%–4.70% by balance
Bank · 2 branches
4.59%APY$2,516 over 60 months on $10,000Requirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.60% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.66% $10,000 – $100,000Your amount 4.59% $100,000 and up 4.70% Rate checked
More details - 4.55%APY$263 over 7 months on $10,000
2 ways to earn 4.55%
Product: Rates effective as of October 29, 2026. Opening deposits: $1,000 minimum (in-branch), $5,000 minimum (online). Max deposit $500,000 per account. FDIC insurance limited to legal maximum. Penalty may be imposed for early withdrawal. Fees could reduce earnings. No institutional funds in branch; no business or institutional funds online.
From $1,000: In-branch opening.
From $5,000: Online opening only.
Balance cap $500,000 · Effective Oct 29, 2026
Rate checked
More details - 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: $1,000.00 minimum deposit. Substantial penalty for early withdrawal. Compounded quarterly.
4.43% interest rate · Compounded quarterly
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Available online only. Minimum opening deposit $1,000; maximum opening deposit $5,000,000. Eligibility: current U.S. home address (includes Puerto Rico, excludes other territories), valid SSN, and age 18+. Early withdrawal penalty of 30 days simple interest applies unless waived due to death/incompetence with documentation.
Offer: Interest compounds and credits monthly.
4.41% interest rate · Balance cap $5,000,000 · Effective Oct 20, 2026
Rate checked
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 30, 2026
Rate checked
More details - 4.50%APY$643 over 17 months on $10,000intro rate
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.49%APY$373 over 10 months on $10,000
Effective Oct 9, 2026
Rate checked
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
Rate checked
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
Rate checked
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
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
1,119 CDs at 107 banks and credit unions · checked Oct 16–31
- Typical
- 2.78%
- Top 10% from
- 4.15%
- Banks, typical
- 2.78%
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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
- Postal & Community Credit UnionCredit union · 2 branches