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 151–165 results in Missouri
- 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalty applies.
3.59% interest rate
Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 12 months · $500 min · 3.50%–3.65% by balance
Credit union · 2 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.50% $10,000 and upYour amount 3.65% Rate checked
More details - 3.64%APY$364 over 1 year on $10,000
Requirements
Product: Membership Savings/Share Account with a $5 minimum balance required to establish and maintain membership. Penalty may be assessed for early withdrawal. No setup or maintenance fees.
Offer: Dividends credited and compounded quarterly. Penalty may be assessed for early withdrawal.
3.60% interest rate · Compounded quarterly
Rate checked
More details - 3.60%APY$269 over 9 months on $10,000intro rate
Requirements
Product: Membership condition requires purchasing and maintaining at least 1 share in a Primary Share account (par value $5.00). Early withdrawal penalties apply based on term length (3 months: 30 days' dividends; 6 months: 60 days' dividends; 9 months: 90 days' dividends; 12 months or greater: 120 days' dividends). Partial withdrawals are not allowed. 10-day grace period after maturity for auto-renewals.
Promotional rate · 3.53% interest rate · Effective Oct 16, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 13 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 - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: Automatically renewable. Minimum opening balance required is $1,000. Terms range from 30 days to 60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Term is 12 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.54% interest rate · Effective Jan 8, 2026
Rate checked
More details - Security Bank of Kansas CityCertificates of Deposit - Fixed RateCD · 18 months · $500 min
Bank · 12 branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest compounded and credited quarterly. $500.00 minimum to open unless otherwise noted. Penalty for early withdrawal may apply.
3.55% interest rate
Rate checked
More details - Northwest Missouri Regional Credit UnionShare CertificateCD · 7 months · $10,000 min
Credit union · 1 branch
3.55%APY$206 over 7 months on $10,000intro rateRequirements
Product: Requires credit union membership via purchase of at least one $25.00 share in a Share account and a one-time $1.00 membership fee. Dividends are compounded and credited monthly to a Share or Draft account and at maturity. Early withdrawal penalty applies if funds are withdrawn before maturity, and accrued dividends are forfeited if closed before dividends are paid. Automatically renews at maturity for the same term at the current rate unless instructed otherwise.
Offer: Special promotional rate requiring a $10,000 minimum deposit.
Promotional rate · 3.55% interest rate · Effective Apr 15, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce earnings in the account.
Offer: 12 Month CD. Minimum balance requirement exists to earn the interest rate and APY listed. Daily balance method applies.
3.50% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Certificate dividends are earned at the applicable term's fixed rate until maturity. Subject to penalty for early withdrawal. Membership eligibility required.
Offer: Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.
3.49% interest rate · Effective Feb 1, 2025
Rate checked
More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly.
3.50% interest rate · Compounded quarterly · Effective Jan 13, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from Certificates of Deposit. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
Offer: 182 Day term. Penalty for early withdrawal.
3.50% interest rate · Effective Sep 29, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 47 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 - St. Louis Community Credit UnionShare CertificateCD · 12 months · $300 min
Credit union · 14 branches
3.50%APY$350 over 1 year on $10,000Requirements
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
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 Missouri
1,676 CDs at 176 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.15%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.41%
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Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- 1st MidAmerica Credit UnionCredit union · 1 branch