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 16–30 results in St. Louis, MO-IL metro
- 4.30%APY$2,343 over 60 months on $10,000
4.23% interest rate · Effective May 19, 2026
Rate checked
More details - 4.29%APY$539 over 15 months on $10,000intro rate
Requirements
Product: A minimum deposit may be required, and there may be penalties for early withdrawal.
Offer: 15 month special
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - First Federal Savings Bank of MascoutahCertificate of DepositsCD · 60 months · $1,000 min
Bank · 3 branches
4.27%APY$2,325 over 60 months on $10,000Requirements
Product: An early withdrawal penalty may apply. APY shown is paid on the entire balance in the account.
Offer: 60 Months CD. Compounding frequency: Quarterly. Early withdrawal penalty: 273 days of Interest.
4.20% interest rate · Effective Oct 8, 2026
Rate checked
More details - 4.26%APY$462 over 13 months on $10,000
Requirements
Product: All CDs require a minimum deposit of $250 with the exception of the special term CDs. Early withdraw penalties may apply for Certificates of Deposit (CDs).
Offer: 13 Month Special Rate for CDs requires $250 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts.
Effective Oct 15, 2026
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More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
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More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: No penalty for early withdrawal. Minimum of $1,000 to open and obtain APY.
4.18% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 28 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earning. Minimum balance of $1,000 to earn APY.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Automatically renewable with a 10 day grace period. Interest can be compounded, paid by check or transferred to a checking or savings account. Early withdrawal penalties apply. $1000.00 minimum deposit to open account. Interest is compounded daily.
Offer: Early withdrawal penalties apply.
4.16% interest rate · Compounded daily
Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 60 months · $1,000 min
Bank · 7 branches
4.23%APY$2,302 over 60 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
4.15% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.21%APY$860 over 24 months on $10,000
Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
4.15% interest rate · Compounded quarterly
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
Offer: Compounded Semi-Annual. 18 Month CD.
4.16% interest rate · Effective Aug 5, 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 St. Louis, MO-IL metro
1,015 CDs at 86 banks and credit unions · checked Oct 16–22
- Typical
- 3.05%
- Top 10% from
- 4.10%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.36%
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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
- First Community Credit UnionCredit union · 42 branches
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch