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 1–15 results in Jefferson City, MO metro
- 4.94%APY$2,127 over 48 months on $10,000
Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.85% interest rate
Rate checked
More details - 4.30%APY$2,343 over 60 months on $10,000
4.23% interest rate · Effective May 19, 2026
Rate checked
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
Rate checked
More details - 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
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
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 - 4.15%APY$380 over 11 months on $10,000intro rate
Promotional rate · 4.07% interest rate
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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 - PennTech Federal Credit UnionShare Certificates (CD’s)CD · 9 months · $500 min
Credit union · 1 branch
4.08%APY$304 over 9 months on $10,0004.00% interest rate · Effective Oct 1, 2025
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More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Early withdrawals are subject to penalty. Rate is determined by term.
Offer: CD Special. Fixed rate for the term. Early withdrawals subject to penalties.
Rate checked
More details - 3.92%APY$359 over 11 months on $10,000
Requirements
Product: Certificate rates remain fixed for the term of the certificate. Interest credited to account and compounded every month. Penalty may be imposed for early withdrawal.
Offer: 11 Month Special. Automatically renews into a 6-month certificate upon maturity. For a limited time only.
3.85% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.91%APY$391 over 1 year on $10,000
Requirements
Product: All certificates can be purchased with a minimum amount of $500.00. Rates subject to change without notice. Early withdrawal penalty may apply.
3.85% interest rate
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 2 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - Peoples Bank of Moniteau CountyCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · 2 branches
3.75%APY$188 over 6.066666666666666 months on $10,000Requirements
Product: No deposits or withdrawals permitted during term. Automatically renewable unless otherwise stated with a 10-day grace period to withdraw funds. Early withdrawal penalties: 91 day to 182 day = 60 days interest penalty; 12 months - 15 months = 90 days interest penalty; 18 months - 60 months = 6 months interest penalty.
Offer: 182 Day CD; Interest paid/compounded at Maturity; $500 minimum deposit required
3.72% interest rate · Effective Feb 13, 2026
Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 2 branches
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
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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 Jefferson City, MO metro
145 CDs at 15 banks and credit unions · checked Oct 6–16
- Typical
- 2.75%
- Top 10% from
- 4.22%
- Banks, typical
- 1.10%
- Credit unions, typical
- 3.79%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Jefferson City, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- Conservation Employees Credit UnionCredit union · 1 branch
- Multipli Credit UnionCredit union · 4 branches