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 31–44 results in Springfield, MO
- 3.30%APY$1,023 over 36 months on $10,000
Requirements
Product: Compounds 36 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
Offer: Compounds 36 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
3.30% interest rate
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 - 3.15%APY$640 over 24 months on $10,000
Requirements
Product: Compounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
Offer: Compounds 24 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
3.15% interest rate
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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 - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Compounds 12 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
Offer: Compounds 12 Months. Preferred Member Discount (PMD) or Primary Financial Institution Discount (PFID) may apply.
3.00% interest rate
Rate checked
More details - 1.00%APY$510 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. $1,000 minimum deposit to open. Early withdrawals subject to penalty (3 and 6 month terms penalty is 3 months interest; greater than 6 to 24 months penalty is 6 months interest; greater than 24 months penalty is 12 months interest).
Offer: Penalty for early withdrawal (12 months interest).
1.00% interest rate · Effective Apr 4, 2023
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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
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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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
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 Springfield, MO
304 CDs at 28 banks and credit unions · checked Oct 6–22
- Typical
- 2.26%
- Top 10% from
- 4.04%
- Banks, typical
- 1.00%
- Credit unions, typical
- 3.40%
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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