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 St. Joseph, MO
- 5.00%APY$289 over 7 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum $5,000. Maximum $1,000,000.
Offer: Online only. Maximum balance to open is $1,000,000.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.92%APY$619 over 15 months on $10,000with conditions
Requirements
Product: Interest compounded daily. Relationship rates based on aggregate daily balances in qualifying NASB Checking accounts. Balance tiers for 4.97% and 5.07% tiers are blank in current evidence.
Offer: Base rate without qualifying checking relationship.
Qualified rate · 4.80% interest rate · Compounded daily
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More details - 4.75%APY$354 over 9 months on $10,000
4.65% interest rate · Effective Sep 29, 2026
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More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 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 - 4.00%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$434 over 13 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum balance to open is $5,000; maximum balance to open is $500,000.
Offer: Online only.
3.92% interest rate · Compounded daily · Balance cap $500,000 · Effective Sep 11, 2026
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More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 24 months · $500 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
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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 - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: Available online or at Kansas City area branches. Interest compounded daily and paid quarterly.
Offer: Minimum balance to open is $1,000.
Compounded daily
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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
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Certificate dividends are earned at the applicable term's fixed rate until maturity. Subject to penalty for early withdrawal. Membership eligibility required.
Offer: Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.
3.49% interest rate · Effective Feb 1, 2025
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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 - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 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
What CDs pay in St. Joseph, MO
87 CDs at 11 banks and credit unions · checked Oct 6–22
- Typical
- 3.50%
- Top 10% from
- 4.20%
- Banks, typical
- 2.76%
- Credit unions, typical
- 3.75%
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St. Joseph, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Postal & Community Credit UnionCredit union · 2 branches
- United Consumers Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches