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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 results in Sedalia, MO metro
- Central Missouri Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
4.33%APY$214 over 6 months on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Interest compounded monthly, accrued daily, and credited monthly. Penalty applies for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: 9 Month SPECIAL
Promotional rate · 3.93% interest rate · Compounded monthly · Effective Jun 19, 2026
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More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from Certificates of Deposit. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
Offer: 182 Day term. Penalty for early withdrawal.
3.50% interest rate · Effective Sep 29, 2026
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More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Sedalia, MO metro
42 CDs at 5 banks and credit unions · checked Oct 6–22
- Typical
- 2.79%
- Top 10% from
- 3.79%
- Banks, typical
- 2.79%
- Credit unions, typical
- 3.47%
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Sedalia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Central Missouri Community Credit UnionCredit union · 1 branch