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 76–90 results in St. Louis, MO-IL metro
- JM Associates FCUTerm Share CertificateCD · 12 months · $1,000 min · 3.66%–3.71% by balance
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,000Requirements
Product: Penalties for early withdrawal on term share accounts.
3.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.66% $50,000 and up 3.71% Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 14 branches
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly.
3.50% interest rate · Compounded quarterly · Effective Jan 13, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 18 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.50%APY$320 over 11 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - St. Louis Community Credit UnionShare CertificateCD · 12 months · $300 min
Credit union · 14 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less).
3.49% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Early withdrawals subject to penalty. Monthly compounding. Minimum deposit to open is $500. No setup or maintenance fees. Available at all Peoples National Bank locations. Trade Up option available one-time during initial term on Trade-Up CDs. 3 in 1 CD allows adding funds anytime and penalty-free withdrawals.
Offer: CD Special. Monthly compounding. Minimum deposit to open and obtain the APY is $500. Early withdrawal penalty may apply.
Effective Sep 29, 2026
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Interest compounded daily. Early withdrawal penalties apply.
Offer: Interest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs.
3.30% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$274 over 10 months on $10,000intro rate
Requirements
Product: Promotional CD specials. A penalty may be imposed for early withdrawal. Rates subject to change without notice.
Offer: CD Special; min. balance to earn APY $1,000.00.
Promotional rate · 3.25% interest rate · Effective Jun 6, 2026
Rate checked
More details - 3.28%APY$328 over 1 year on $10,000
Requirements
Product: Minimum opening balance of $1,000.00 to earn stated APY. Subject to penalty for early withdrawal. Rates accurate as of 1/26/2026 and subject to change without notice.
Offer: 12 Month term. Early withdrawal penalty may apply.
3.25% interest rate · Effective Jan 26, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: While there is not an early withdrawal penalty for the 7-month no penalty CD, interest that has accrued, but has not been credited to the CD will NOT be paid upon termination. Fees may reduce earning.
Offer: Interest that has accrued, but has not been credited to the CD will not be paid upon termination.
3.21% interest rate · Effective Oct 16, 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