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 1–15 results in St. Louis, MO
- Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min
Credit union · 3 branches
4.50%APY$412 over 11 months on $10,000Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - 4.26%APY$462 over 13 months on $10,000
Requirements
Product: All CDs require a minimum deposit of $250 with the exception of the special term CDs. Early withdraw penalties may apply for Certificates of Deposit (CDs).
Offer: 13 Month Special Rate for CDs requires $250 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts.
Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earning. Minimum balance of $1,000 to earn APY.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.21%APY$860 over 24 months on $10,000
Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
4.15% interest rate · Compounded quarterly
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
Offer: Special CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee.
Effective Sep 28, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties apply. A withdrawal may reduce earnings. Membership eligibility required.
Offer: Limited time special offer. Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union. Minimum opening deposit of $500. Membership eligibility required. Early withdrawal penalties apply.
Promotional rate · 3.92% interest rate · Effective Sep 14, 2026
Rate checked
More details - First Community Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.
Effective Oct 9, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 5 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 - 3.75%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 · 5 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 - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
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 St. Louis, MO
309 CDs at 22 banks and credit unions · checked Oct 6–22
- Typical
- 2.05%
- Top 10% from
- 3.80%
- Banks, typical
- 1.00%
- Credit unions, typical
- 3.35%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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