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 31–45 results in Missouri
- 4.35%APY$2,865 over 71 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance to earn interest is $1,000.
4.28% interest rate · Effective Oct 16, 2026
Rate checked
More details - Central Missouri Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 3 branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 4.32%APY$655 over 18 months on $10,000
Requirements
Product: FDIC insured fixed rate investment. A substantial penalty for early withdrawal will be imposed.
Offer: Certificate of Deposit Special
4.25% interest rate · Effective Oct 7, 2026
Rate checked
More details - Infuze Credit UnionPromotional Share CertificatesCD · 9 months · $2,000 min
Credit union · 7 branches
4.31%APY$322 over 9 months on $10,000intro rateRequirements
Product: Minimum opening balance and deposit to earn APY is $2,000. Penalty applies for early withdrawal. Personal accounts only. Rates not available on IRA certificates. Special is subject to end without notice. Membership required.
Offer: 9-Month Special promotional share certificate.
Promotional rate · 4.23% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.31%APY$468 over 13 months on $10,000intro rate
Requirements
Offer: Available for a limited time. A minimum opening deposit of $1000 and a minimum balance of $1000 are required to earn the APY. Upon maturity, the renewal rate will be based on the 12-month board rate in effect.
Promotional rate · Effective Sep 8, 2025
Rate checked
More details - 4.30%APY$321 over 9 months on $10,000with conditions
Requirements
Product: The minimum amount required to open a Certificate of Deposit is $1,000. Penalty may apply for early withdrawal.
Offer: Must be new money deposited within the last 45 days or have a collateral loan $25,000+
Qualified rate · Effective Sep 30, 2026
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More details - 4.30%APY$2,343 over 60 months on $10,000
4.23% interest rate · Effective May 19, 2026
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More details - 4.29%APY$539 over 15 months on $10,000intro rate
Requirements
Product: A minimum deposit may be required, and there may be penalties for early withdrawal.
Offer: 15 month special
Promotional rate · Effective Sep 1, 2026
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More details - 4.28%APY$283 over 8 months on $10,000
4.21% interest rate · Effective Sep 21, 2026
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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
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More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
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More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: No penalty for early withdrawal. Minimum of $1,000 to open and obtain APY.
4.18% interest rate
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More details - Conservation Employees Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
4.18% interest rate · Effective Oct 13, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 27 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$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
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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
1,673 CDs at 176 banks and credit unions · checked Oct 16–22
- Typical
- 3.12%
- Top 10% from
- 4.10%
- 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