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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.

Term
Location

Top CD rates

Showing 1–15 results in St. Louis, MO

  1. Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min

    Credit union · 3 branches

    4.50%APY$412 over 11 months on $10,000
  2. Alltru Credit UnionCertificate of Deposit (CD)CD · 13 months · $250 min

    Credit union · 1 branch

    4.26%APY$462 over 13 months on $10,000
  3. Lindell BankSpecial Certificates of DepositCD · 7 months · $10,000 min

    Bank · 2 branches

    4.25%APY$246 over 7 months on $10,000
  4. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 3 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  5. Top Carrot, Carrot Score 88
    UMB BankTime Deposit Account Special OffersCD · 15 months · $500 min

    Bank · 1 branch

    4.25%APY$534 over 15 months on $10,000intro rate
  6. Midwest BankCentreTraditional CDsCD · 18 months · $1,000 min

    Bank · 4 branches

    4.25%APY$644 over 18 months on $10,000
  7. Top Carrot, Carrot Score 88
    Alliance Credit UnionCertificates of DepositCD · 24 months · $1,000 min

    Credit union · 1 branch

    4.21%APY$860 over 24 months on $10,000
  8. Top Carrot, Carrot Score 91
    First BankCertificates of DepositCD · 13 months · $1,000 min

    Bank · 3 branches

    4.20%APY$456 over 13 months on $10,000intro rate
  9. Neighbors Credit UnionCertificates of DepositCD · 7 months · $1,000 min

    Credit union · 1 branch

    4.15%APY$240 over 7 months on $10,000
  10. West Community Credit UnionCertificates of DepositCD · 11 months · $500 min

    Credit union · 1 branch

    4.00%APY$366 over 11 months on $10,000intro rate
  11. Top Carrot, Carrot Score 96
    First Community Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  12. Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance

    Bank · 5 branches

    3.85%APY$583 over 18 months on $10,000intro rate
  13. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 5 branches

    3.75%APY$217 over 7 months on $10,000
  14. Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance

    Bank · 5 branches

    3.75%APY$343 over 11 months on $10,000intro rate
  15. Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min

    Credit union · 3 branches

    3.60%APY$360 over 1 year on $10,000with conditions

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. Louis, MO

309 CDs at 22 banks and credit unions · checked Oct 6–22

Typical
2.05%
Top 10% from
3.80%
Banks, typical
1.00%
Credit unions, typical
3.35%

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St. Louis, MO-IL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. First Community Credit UnionCredit union · 42 branches
  2. 1st MidAmerica Credit UnionCredit union · 8 branches
  3. FRB Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate