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 91–105 results in St. Louis, MO-IL metro
- 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty-free withdrawals or changes within 10 calendar days after the CD maturity date. The APY assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
3.20% interest rate · Effective Sep 15, 2026
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More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
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More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Membership eligibility required. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
Effective Sep 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.20%APY
Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal determined by the CD term. Interest compounded and credited quarterly.
Offer: Seven Years (84+ months). Minimum balance to earn interest/APY is $1,000.
3.16% interest rate · Effective Sep 11, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.15%APY$975 over 36 months on $10,000intro rate
Requirements
Product: Membership eligibility required. Allows one rate step-up increase during the 36-month term. When CD automatically renews for another three-year term, member has another opportunity to step up the rate. New APY and interest postings become effective on next statement after request.
Offer: One rate increase during 36-month term.
Promotional rate · Effective Sep 1, 2026
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More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
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More details - 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
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More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Offer: Quarterly compounding
2.96% interest rate · Effective Oct 9, 2026
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More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
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More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
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More details - 2.45%APY$370 over 18 months on $10,000
Requirements
Product: Substantial penalty will be imposed for early withdrawal. CDs are automatically renewable at maturity.
Offer: Interest compounded quarterly. Variable rate changes on the first business day of each calendar quarter.
2.43% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - 2.32%APY$291 over 15 months on $10,000
Requirements
Product: Add to the balance anytime you like with a minimum deposit amount of $25. Auto transfer is available from your Town & Country checking or savings. Substantial penalty will be imposed for early withdrawal.
Offer: Interest is compounded monthly and automatically added to your CD. Variable rate changes on the first business day of each calendar quarter.
2.30% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - 2.25%APY$112 over 6 months on $10,000
Requirements
Product: All certificates have the option of paying quarterly or monthly interest transferred to another Arsenal Credit Union account. Interest checks may be paid monthly for certificates with a $10,000 minimum balance. Selecting these interest options affects quoted APYs (calculated on quarterly compounding). Minimum balance requirement is $100 for members age 18 and under to earn the stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal.
Offer: Compounded quarterly. Minimum balance is $100 for members age 18 and under to earn stated APY.
2.23% interest rate · Compounded quarterly · Effective Oct 1, 2026
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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