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 16–30 results in Springfield, MO metro
- 4.01%APY$232 over 7 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
3.95% interest rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: $1,000 minimum required to open and obtain APY. Rates subject to change without notice. Penalty for early withdrawal.
3.96% interest rate · Effective May 27, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000with conditions
Requirements
Product: Dividends compounded and credited monthly. Par value of one share is $25.00 for membership.
Offer: Limited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days.
Qualified rate · 3.93% interest rate · Effective Nov 24, 2025
Rate checked
More details - BluCurrent Credit UnionCertificates of Deposit Special Terms PromotionCD · 15 months · $1,000 min
Credit union · 5 branches
4.00%APY$502 over 15 months on $10,000intro rateRequirements
Product: If automatic renewal is selected, promotional certificate of deposit will renew at a 12-month term and interest rate in effect at that time. Rates accurate as of 10/01/2026. Limited-time rate and terms begin on 10/01/2026. BluCurrent reserves the right to change rates at any time.
Offer: If automatic renewal is selected, promotional certificate of deposit will renew at a 12-month term and interest rate in effect at that time. Limited-time rate and terms begin on 10/01/2026.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 3.96%APY$1,236 over 36 months on $10,000
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 9 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 - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal; all interest is forfeited for early withdrawal. Interest calculated using Daily Balance Method. Terms range from 91 days to 60 months. Interest payment options: reinvest, transfer to another account, or receive a check.
Offer: 12 Month Certificate of Deposit. Minimum balance to obtain APY is $500.00.
3.75% interest rate · Effective Sep 16, 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 · 9 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 - 3.60%APY$269 over 9 months on $10,000intro rate
Requirements
Product: Membership condition requires purchasing and maintaining at least 1 share in a Primary Share account (par value $5.00). Early withdrawal penalties apply based on term length (3 months: 30 days' dividends; 6 months: 60 days' dividends; 9 months: 90 days' dividends; 12 months or greater: 120 days' dividends). Partial withdrawals are not allowed. 10-day grace period after maturity for auto-renewals.
Promotional rate · 3.53% interest rate · Effective Oct 16, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 7 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 - 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Compounds Six Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
Offer: Compounds Six Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
3.45% interest rate
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Federally insured up to $250,000 by the NCUA. Penalty may apply for early withdrawal. Features automatic renewal at maturity.
Offer: Minimum deposit is $500. Early withdrawal penalty may apply.
3.40% interest rate · Effective Feb 1, 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
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 Springfield, MO metro
331 CDs at 31 banks and credit unions · checked Oct 15–22
- Typical
- 2.53%
- Top 10% from
- 4.05%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.40%
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Find your bank or credit union to see all its rates and how they compare near you.
Springfield, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 3 branches
- UMB BankBank · 2 branches
- BluCurrent Credit UnionCredit union · 5 branches