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 16–24 results in St. Joseph, MO-KS metro
- 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 3 branches
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 - 2.48%APY$502 over 24 months on $10,000
Requirements
Product: No monthly service charge. Rate and term selected is guaranteed for the life of the certificate. Early withdrawal penalty may apply. Fees can reduce earnings. Rates subject to change at any time without notice.
Offer: ADD-ON. Additional deposits cannot exceed the original deposit of the certificate.
2.45% interest rate
Rate checked
More details - 1.26%APY$126 over 1 year on $10,000
Requirements
Product: Requires a minimum opening deposit of $50 and automated deposits / transfers over 12 months. Certificate accounts are subject to penalty for early withdrawal. Membership eligibility required.
Offer: Requires automated deposits. Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.
1.25% interest rate · Effective Feb 1, 2025
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More details - 0.80%APY$406 over 60 months on $10,000
0.80% interest rate · Effective Aug 25, 2020
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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 - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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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 St. Joseph, MO-KS metro
112 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 3.02%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.75%
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St. Joseph, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Postal & Community Credit UnionCredit union · 2 branches
- United Consumers Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches