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 St. Louis, MO
- Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 2 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 - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less).
3.49% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Early withdrawals subject to penalty. Monthly compounding. Minimum deposit to open is $500. No setup or maintenance fees. Available at all Peoples National Bank locations. Trade Up option available one-time during initial term on Trade-Up CDs. 3 in 1 CD allows adding funds anytime and penalty-free withdrawals.
Offer: CD Special. Monthly compounding. Minimum deposit to open and obtain the APY is $500. Early withdrawal penalty may apply.
Effective Sep 29, 2026
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 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 - 3.40%APY$169 over 6 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 - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: While there is not an early withdrawal penalty for the 7-month no penalty CD, interest that has accrued, but has not been credited to the CD will NOT be paid upon termination. Fees may reduce earning.
Offer: Interest that has accrued, but has not been credited to the CD will not be paid upon termination.
3.21% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
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
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Offer: Quarterly compounding
2.96% interest rate · Effective Oct 9, 2026
Rate checked
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
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%
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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