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 91–105 results in Missouri
- 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Standard CD early withdrawal penalties apply.
Rate checked
More details - 4.06%APY$2,202 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
Offer: 5 year CD. A penalty may be imposed for early withdrawal.
4.00% interest rate · Effective Oct 6, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: No monthly maintenance fees. Minimum opening balance of $1,000 is required. Fixed interest rates. A penalty will be imposed for early withdrawal.
Offer: 6-12 Month CD has a 3 Month Interest Penalty for early withdrawal.
Effective Jul 20, 2026
Rate checked
More details - First State Bank of St. CharlesCertificates of Deposit SpecialsCD · 7 months · $5,000 min
Bank · 5 branches
4.05%APY$234 over 7 months on $10,000Requirements
Product: Not available with IRAs. Assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
Offer: Not available with IRAs.
3.97% interest rate · Effective Sep 15, 2026
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More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Online only CD special offers. Member FDIC.
Offer: Interest is compounded quarterly. Auto-renew provision with certificate renewing for 12 months at the going rate. Penalty for early withdrawal.
3.99% interest rate · Compounded quarterly · Effective Apr 24, 2026
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More details - 4.05%APY$405 over 1 year on $10,000
3.98% interest rate · Effective Oct 15, 2026
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More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Offer valid for new money only (funds not currently held at F&C Bank). Penalty for early withdrawal. Interest rate subject to change at any time.
Offer: Offer valid for new money only (funds not currently held at F&C Bank). Minimum $2,500 to open. Penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Jul 1, 2026
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More details - 4.03%APY$200 over 6 months on $10,000
Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.95% interest rate · Effective Jan 1, 2026
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More details - 4.01%APY$232 over 7 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
3.95% interest rate
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More details - 4.01%APY$818 over 24 months on $10,000
3.95% interest rate · Effective Oct 1, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Dividends compounded quarterly.
3.94% interest rate · Compounded quarterly · Effective Aug 10, 2026
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: $1,000 minimum required to open and obtain APY. Rates subject to change without notice. Penalty for early withdrawal.
3.96% interest rate · Effective May 27, 2026
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More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Fixed rate of return. Dividends pay every 3 months after purchase.
Offer: New Money Special.
Promotional rate · 3.94% interest rate
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More details - 4.00%APY$231 over 7 months on $10,000with conditions
Requirements
Product: Dividends compounded and credited monthly. Par value of one share is $25.00 for membership.
Offer: Limited-time promotion. Available for members with: a) current America's CU checking account, b) minimum $10,000 to existing CU funds if no checking account, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days.
Qualified rate · 3.93% interest rate · Effective Nov 24, 2025
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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