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 16–28 results in Columbia, MO
- 3.29%APY$1,757 over 60 months on $10,000
Requirements
Product: Dividends are fixed for the term, paid quarterly, and determined monthly. Minimum deposit is $500.00. Early withdrawal penalties apply.
Effective Oct 5, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Requires $10 minimum opening deposit (initial deposit cannot exceed $1,000.00). Requires automatic monthly deposits of at least $10 to keep open. Matures annually on open date. Early withdrawal penalty: 25% of original deposit.
Offer: Initial deposit cannot exceed $1,000.00; $10 minimum deposit per month; requires automatic deposits; monthly dividends; annual maturity on open date
Effective Sep 18, 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 - 3.15%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 - 3.05%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 - 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
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: Can deposit additional money anytime. Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
Offer: Can Deposit Additional Money Anytime
0.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - Academic Employees Credit UnionTerm Share CertificatesCD · 36 months · $1,000 min
Credit union · 1 branch
0.40%APY$120 over 36 months on $10,000Rate checked
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 - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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 - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 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%
Is your bank paying you enough?
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Columbia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 5 branches
- UMB BankBank · 2 branches
- United Credit UnionCredit union · 1 branch