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 31–45 results in St. Louis, MO-IL metro
- 4.16%APY$523 over 15 months on $10,000
Requirements
Product: Substantial penalty will be imposed for early withdrawal.
Offer: Interest compounded quarterly.
4.10% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Product: Fixed rate paid until maturity date. Minimum opening balance of $1,000. Interest compounded and credited quarterly (credited at maturity if term is less than three months). Daily balance method used to calculate interest. Automatically renewable with a 10-day grace period for terms over 14 days, and 1-day grace period for 14-day terms. Early withdrawal penalty applies: 1 month of interest for terms 14-90 days, 3 months of interest for terms 91 days to 1 year, and 6 months of interest for terms greater than 1 year.
Offer: Oasis Specials CD. Term: 24 Month.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
Offer: Term: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.10% interest rate · Effective Jul 15, 2026
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More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
Offer: Special CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee.
Effective Sep 28, 2026
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More details - 4.15%APY$380 over 11 months on $10,000intro rate
Promotional rate · 4.07% interest rate
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More details - Midwest Members Credit UnionCertificate SpecialsCD · 27 months · $1,000 min
Credit union · 3 branches
4.15%APY$958 over 27 months on $10,000Requirements
Product: Rates effective as of 10/16/26. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Offer: 27 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity.
4.07% interest rate · Effective Oct 16, 2026
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More details - 4.14%APY$309 over 9 months on $10,000
Requirements
Offer: Compounded semi-annually. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.09% interest rate · Effective Oct 4, 2026
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More details - 4.11%APY$481 over 14 months on $10,000
Requirements
Product: Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.
Offer: 14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000.
4.05% interest rate · Balance cap $249,000 · Effective Sep 22, 2026
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More details - 4.10%APY$101 over 3 months on $10,000
Requirements
Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.
Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
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More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - 4.10%APY$515 over 15 months on $10,000
Requirements
Product: Option to bump (increase) interest rate one time for remainder of term if rate increases; option to add funds at time of bump-up request. Interest is compounded quarterly.
Offer: A penalty may be imposed for early withdrawal, and the rate may change after account opening. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
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More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$657 over 19 months on $10,000
Requirements
Offer: 19 Month Special
4.04% interest rate · Effective Jun 17, 2026
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More details - 4.10%APY$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
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More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 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. 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