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 61–75 results in Missouri
- Regional Missouri BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 4.16%–4.32% by balance
Bank · 11 branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Fixed rate for initial term. Penalty for early withdrawal may apply; early withdrawal fees may reduce earnings and could reduce principal deposit. No setup or maintenance fees.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 1 to 3-year maturity is 180 days interest.
4.10% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 4.16% $50,000 and upJumbo CD. 4.32% Rate checked
More details - 4.16%APY$523 over 15 months on $10,000
Requirements
Product: Substantial penalty will be imposed for early withdrawal.
Offer: Interest compounded quarterly.
4.10% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Product: Fixed rate paid until maturity date. Minimum opening balance of $1,000. Interest compounded and credited quarterly (credited at maturity if term is less than three months). Daily balance method used to calculate interest. Automatically renewable with a 10-day grace period for terms over 14 days, and 1-day grace period for 14-day terms. Early withdrawal penalty applies: 1 month of interest for terms 14-90 days, 3 months of interest for terms 91 days to 1 year, and 6 months of interest for terms greater than 1 year.
Offer: Oasis Specials CD. Term: 24 Month.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$205 over 6 months on $10,000
Requirements
Product: Rates are fixed once opened and guaranteed only if funds remain on deposit for the full term. Early withdrawals not allowed within first 90 days; after 90 days, early withdrawals require bank approval and incur a penalty. Balance of $500 required to obtain disclosed APY. Funding available exclusively via ACH transfer.
Offer: Term is 6 months (182 days). Balance of $500 required to obtain APY.
4.11% interest rate
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
Offer: Special CD; available for new deposits only (funds currently on deposit at Neighbors Credit Union do not qualify). Early withdrawals may reduce earnings and are subject to a penalty fee.
Effective Sep 28, 2026
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal of funds prior to maturity may result in penalty. Fees could reduce earnings.
4.07% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.15%APY$380 over 11 months on $10,000intro rate
Promotional rate · 4.07% interest rate
Rate checked
More details - 4.15%APY$847 over 24 months on $10,000intro rate
Requirements
Product: Term Share Accounts pay dividends quarterly. Early withdrawal penalties may apply and reduce earnings. Membership eligibility required.
Offer: Current Term Share Account Special. Requires new money. Automatically renews at then current 6-month terms unless specified. Dividends paid quarterly.
Promotional rate · 4.09% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - First Federal Bank of Kansas CityCertificates of DepositCD · 36 months · $1,000 min
Bank · 6 branches
4.15%APY$1,297 over 36 months on $10,000Requirements
Product: No monthly maintenance service charge. Penalty for early withdrawal. Fixed rate for the full term. FDIC insured up to $250,000.
Offer: Penalty for early withdrawal.
4.09% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.14%APY$309 over 9 months on $10,000
Requirements
Offer: Compounded semi-annually. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.09% interest rate · Effective Oct 4, 2026
Rate checked
More details - 4.11%APY$411 over 1 year on $10,000
Requirements
Product: A $1,000 deposit is required to open a regular CD. Interest is paid quarterly and can be compounded, deposited to a checking or savings account, or paid by check. Withdrawals prior to maturity are subject to an early withdrawal penalty. Automatically renewable at normal certificate of deposit rate.
4.05% interest rate · Effective Sep 8, 2026
Rate checked
More details - 4.11%APY$481 over 14 months on $10,000
Requirements
Product: Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.
Offer: 14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000.
4.05% interest rate · Balance cap $249,000 · Effective Sep 22, 2026
Rate checked
More details - 4.10%APY$101 over 3 months on $10,000
Requirements
Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.
Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Penalty for early withdrawal. $500 minimum deposit to open. Rates subject to change at any time.
Offer: At maturity, this will auto-renew at the then current 12-month rate/APY.
4.04% 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 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