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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 1–15 results in Joplin, MO-KS metro
- 4.65%APY$828 over 21 months on $10,000intro rate
Requirements
Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
Offer: 21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity.
Promotional rate · 4.57% interest rate · Effective Oct 15, 2026
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More details - 4.49%APY$373 over 10 months on $10,000
Effective Oct 9, 2026
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More details - 4.45%APY$521 over 14 months on $10,000intro rate
Requirements
Product: Compounds monthly. Minimum amount to open: $500. Regular and Special Rates do not apply to Public Funds. Early withdrawal penalty applies.
Offer: CD Special. Term: 14 Months. Rates do not apply to Public Funds.
Promotional rate · 4.36% interest rate · Effective Oct 5, 2026
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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
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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 - 4.25%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$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
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More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty applies.
4.00% interest rate · Effective Aug 1, 2026
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More details - 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Standard CD early withdrawal penalties apply.
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More details - American Bank (Baxter Springs, KS)Certificate of DepositCD · 24 months · $1,000 min
Bank · 3 branches
4.05%APY$826 over 24 months on $10,0004.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 3 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 - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: No setup or maintenance fees. $500 minimum deposit to open. Early withdrawal penalties: 12 months or less – 90 days of dividends; 18, 24 & 30 mo. – 180 days of dividends; 36, 48 & 60 mo. – 365 days of dividends.
Offer: Featured rate.
Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 3 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
More details - 3.51%APY$262 over 9 months on $10,000intro rate
Requirements
Product: Available to KS, MO, or OK residents and existing customers. Terms available from 90 days to 5 years. No setup or maintenance fees. $1,000 minimum deposit to open. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly. Fees imposed could reduce earnings. FDIC insured.
Offer: 9 Month CD Special. Interest is compounded quarterly. Substantial penalty may be charged for early withdrawal. Fees imposed could reduce earnings.
Promotional rate · 3.46% interest rate · Compounded quarterly · Effective Jan 30, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% 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 Joplin, MO-KS metro
138 CDs at 18 banks and credit unions · checked Oct 6–22
- Typical
- 2.19%
- Top 10% from
- 4.15%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.17%
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Joplin, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches