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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Missouri
- 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
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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
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.21% interest rate
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More details - 4.25%APY$868 over 24 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal on Certificates of Deposit. Rates are effective for a limited time only. Fees could reduce earnings.
Offer: 24-Month Special
Promotional rate · 4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Automatically renewable with a 10 day grace period. Interest can be compounded, paid by check or transferred to a checking or savings account. Early withdrawal penalties apply. $1000.00 minimum deposit to open account. Interest is compounded daily.
Offer: Early withdrawal penalties apply.
4.16% interest rate · Compounded daily
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More details - 4.23%APY$316 over 9 months on $10,000
Requirements
Product: Interest compounded and paid monthly. Early withdrawal penalty applies and fees may reduce earnings and principal.
4.15% interest rate
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More details - 4.23%APY$459 over 13 months on $10,000
Requirements
Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.
Offer: 13 Month term. Early withdrawal penalty applies.
4.15% interest rate · Effective Sep 17, 2026
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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
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More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: All CDs listed are fixed rate CDs. A penalty may be imposed for early withdrawal of principal during the term of a CD. Interest is accrued on the full daily balance.
4.20% interest rate · Effective Sep 22, 2026
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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 - 4.20%APY$456 over 13 months on $10,000
Requirements
Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
Offer: Monthly dividends; Rollover at maturity
Effective Sep 18, 2026
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More details - 4.20%APY$637 over 18 months on $10,000
Requirements
Product: Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
Offer: Compounded Semi-Annual. 18 Month CD.
4.16% interest rate · Effective Aug 5, 2026
Rate checked
More details - 4.20%APY$1,789 over 48 months on $10,000
Requirements
Product: FDIC insured time-deposit accounts. Minimum opening deposit of $1,000 required. Accounts opened online reside in Kansas for legal purposes; IRAs and trust accounts cannot be opened online. CDs generally renew automatically at maturity with a 10-calendar-day grace period. Early withdrawal penalties apply to principal withdrawals. No monthly maintenance fees.
Offer: Term: 48 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest.
4.11% interest rate · Compounded daily · Effective Sep 18, 2026
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More details - 4.19%APY$207 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Interest is compounded daily on all certificates.
4.10% interest rate · Compounded daily · Effective Oct 9, 2026
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More details - 4.16%APY$241 over 7 months on $10,000
Requirements
Product: For both short- and long-term savings, ranging from 30 days to 60 months. Minimum balance to open is $500.00. An interest penalty may be imposed for early withdrawals.
Offer: An interest penalty may be imposed for early withdrawals. 7 Month CD.
4.10% interest rate · Effective Apr 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