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 1–8 results in Kirksville, MO metro
- 4.07%APY$723 over 21 months on $10,000
Requirements
Product: Must be opened at a branch (not available online). Add-On Benefit is available on all CDs with terms of 21 months or less, allowing additional deposits throughout the certificate term earning the same interest rate.
Offer: Special CD. Add-On Benefit available. Early withdrawal penalty 2%.
4.00% interest rate · Effective Jun 17, 2026
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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
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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
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 1 branch
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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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 Kirksville, MO metro
43 CDs at 5 banks and credit unions · checked Oct 6–22
- Typical
- 2.27%
- Top 10% from
- 3.74%
- Banks, typical
- 2.02%
- Credit unions, typical
- 2.52%
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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
- 1st MidAmerica Credit UnionCredit union · 1 branch