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
- 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
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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
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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 - 4.20%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
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.
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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
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More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Requires $10 minimum opening deposit (initial deposit cannot exceed $1,000.00). Requires automatic monthly deposits of at least $10 to keep open. Matures annually on open date. Early withdrawal penalty: 25% of original deposit.
Offer: Initial deposit cannot exceed $1,000.00; $10 minimum deposit per month; requires automatic deposits; monthly dividends; annual maturity on open date
Effective Sep 18, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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
* 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
97 CDs at 10 banks and credit unions · checked Oct 6–16
- Typical
- 3.25%
- Top 10% from
- 4.26%
- Banks, typical
- 0.35%
- Credit unions, typical
- 3.88%
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