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 61–75 results in St. Louis, MO-IL metro
- 3.95%APY$229 over 7 months on $10,000intro rate
Requirements
Offer: Special rate. ADVANTAGE customers not eligible for higher rate with this CD special. Penalty may be imposed for early withdrawal.
Promotional rate · 3.89% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.92%APY$359 over 11 months on $10,000
Requirements
Product: Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
Offer: 11 Month Special. Automatically renews into a 6-month certificate upon maturity. For a limited time only.
3.85% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.90%APY$226 over 7 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. Quarterly compounding interest.
Offer: Limited time special promotion. Not eligible for monthly or quarterly interest checks.
Promotional rate · 3.84% interest rate · Effective Oct 6, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 38 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.82%APY$317 over 10 months on $10,000with conditions
Requirements
Product: Loyalty rates for customers who currently have a mortgage loan, checking or MMDA relationship, or who hold more than $500,000 on deposit. A penalty may be imposed for early withdrawal. Rates subject to change without notice.
Offer: Loyalty CD Special; min. balance to earn APY $1,000.00. Loyalty eligibility: mortgage, checking or MMDA relationship, or more than $500,000 on deposit.
Qualified rate · 3.75% interest rate · Effective Jun 6, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time. Dividends can be re-invested into the certificate, deposited into account, or paid by monthly check.
Effective Oct 1, 2026
Rate checked
More details - 3.80%APY$220 over 7 months on $10,000intro rate
Requirements
Product: Automatically renewable at maturity. There may be a substantial penalty for early withdrawal. A minimum balance of $1,000 is required to obtain the advertised APY, unless otherwise noted.
Offer: Minimum opening deposit of $5,000 of funds not already on deposit with St. Johns Bank. CD automatically will renew at the current 6-month posted rate as of the maturity date. This offer is subject to cancellation without notice. 3-month interest penalty for early withdrawal of funds.
Promotional rate · 3.75% interest rate · Effective May 18, 2026
Rate checked
More details - Farmers & Merchants National BankCertificates of DepositCD · 13 months · $1,000 min
Bank · 3 branches
3.80%APY$412 over 13 months on $10,000Requirements
Product: Automatically renewable time account. Interest compounded monthly, deposited to another account, or payable by check. No deposits can be made before maturity. Interest penalty and bank service charge for early withdrawals.
Offer: 13 Month CD Special. A penalty may be imposed for early withdrawal.
3.74% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.76%APY$376 over 1 year on $10,000
Requirements
Product: Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
Offer: APY assumes interest remains on deposit until maturity.
3.70% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Rates fixed for the term. Penalty imposed for early withdrawal. Fees could reduce earnings.
Offer: Special rate offer for 7 or 13 month term.
Promotional rate · 3.70% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 38 branches
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$407 over 13 months on $10,000intro rate
Requirements
Product: Rates are subject to change daily. Interest is compounded quarterly. Minimum opening deposit for all Certificates of Deposit is $1,000. Early withdrawal of CD principal is subject to an interest penalty ranging from 3 months' interest to 18 months' interest based on original issue term.
Offer: CD Rate bumps do not apply to current 13 month CD special.
Promotional rate · 3.70% interest rate · Compounded quarterly
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: We are not accepting financial institution's deposits at this time. A penalty will or may be imposed for early withdrawal.
Offer: Early withdrawal penalty is 365 days.
3.64% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.70%APY$401 over 13 months on $10,000intro rate
Requirements
Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.
Offer: In-branch rate special; limited time offer
Promotional rate
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