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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.

Term
Location

Top CD rates

Showing 1–15 results in Columbia, MO

  1. Academy BankCertificate of DepositCD · 18 months · $500 min

    Bank · 1 branch

    4.40%APY$667 over 18 months on $10,000
  2. Top Carrot, Carrot Score 88
    UMB BankTime Deposit Account Special OffersCD · 15 months · $500 min

    Bank · 1 branch

    4.25%APY$534 over 15 months on $10,000intro rate
  3. Top Carrot, Carrot Score 89
    Multipli Credit UnionCertificateCD · 13 months · $500 min

    Credit union · 4 branches

    4.20%APY$456 over 13 months on $10,000
  4. The Bank of MissouriCDsCD · 9 months · $500 min

    Bank · 1 branch

    4.14%APY$309 over 9 months on $10,000
  5. The Missouri BankCertificate of Deposit (CD)CD · 9 months · $1,000 min

    Bank · 1 branch

    4.00%APY$299 over 9 months on $10,000intro rate
  6. West Community Credit UnionCertificates of DepositCD · 11 months · $500 min

    Credit union · 3 branches

    4.00%APY$366 over 11 months on $10,000intro rate
  7. Mid America BankCertificates of DepositCD · 15 months · $10,000 min

    Bank · 1 branch

    4.00%APY$502 over 15 months on $10,000
  8. Top Carrot, Carrot Score 88
    United Credit UnionRegular Share CertificateCD · 11 months · $500 min

    Credit union · 1 branch

    3.92%APY$359 over 11 months on $10,000
  9. Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance

    Bank · 6 branches

    3.85%APY$583 over 18 months on $10,000intro rate
  10. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 2 branches

    3.75%APY$217 over 7 months on $10,000
  11. Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance

    Bank · 6 branches

    3.75%APY$343 over 11 months on $10,000intro rate
  12. Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance

    Bank · 6 branches

    3.50%APY$173 over 6 months on $10,000
  13. Great Southern Bank11-Month CDCD · 11 months · $1,000 min

    Bank · 1 branch

    3.50%APY$320 over 11 months on $10,000intro rate
  14. Great Southern Bank3-Month CDCD · 3 months · $1,000 min

    Bank · 1 branch

    3.40%APY$84 over 3 months on $10,000intro rate
  15. Great Southern Bank6-Month CDCD · 6 months · $1,000 min

    Bank · 1 branch

    3.40%APY$169 over 6 months on $10,000intro rate

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 Columbia, MO

140 CDs at 16 banks and credit unions · checked Oct 4–22

Typical
2.79%
Top 10% from
3.92%
Banks, typical
2.79%
Credit unions, typical
3.15%

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Columbia, MO metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Multipli Credit UnionCredit union · 5 branches
  2. UMB BankBank · 2 branches
  3. United Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate