CD Rates Missouri (MO) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Missouri CD rates include Service 1 Federal Credit UnionService 1 Federal Credit Union2975 Gardner Edgewood Dr, Neosho, MO 64850 3110A+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering Youth Certificates 1 6 months at 4.75% APY, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.48%Real return: +1.69%APY minus CPI (February 2026) offering IRA & HSA Certificates 48 Months Jumbo IRA at 4.49% APY, Conservation Employees Credit UnionConservation Employees Credit Union2915 W Truman Blvd, Jefferson City, MO 65109 0580A+5.0 ★Texas Ratio: 0.38%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate at 4.10% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +1.30%APY minus CPI (February 2026) offering 4-year FDIC-Insured Certificates of Deposit at 4.10% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200A+5.0 ★Texas Ratio: 4.79%Real return: +1.28%APY minus CPI (February 2026) offering Jumbo 6-Month Share Certificate at 4.08% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Missouri side-by-side. Missouri CD rates currently reach as high as 4.75% APY from Service 1 Federal Credit Union at 2975 Gardner Edgewood Dr, Neosho, MO 64850 3110. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Missouri
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
3 Month CD
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 Month
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-month FDIC-Insured Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid at term or maturity of CD
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
3-Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
90 Day CD Special
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
6390 N Cosby Ave, Kansas City, MO 64151
3-Month Share Certificate
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 3 Month Special
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Automatically renews into a 3-month certificate upon maturity. For a limited time only.
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
3 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
3 Month Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 3 Months Jumbo IRA
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2480 E Main St Ste D, Jackson, MO 63755
Growth Certificate of Deposit 3 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
3 Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 E Cherry St, Nevada, MO 64772
3-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 3 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
3 Month Certificates of Deposit
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Certificates of Deposit 3 Months
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
3 Months CD
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 3 Months
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 3 months
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
3 Month Certificate of Deposit
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Senath State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
117 E Commercial St, Senath, MO 63876
3 Months Certificate of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Under $25,000.00
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
3 Months Certificate of Deposit & IRA CD
$1,000
2.15%
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
3 Month CD
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
3-Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
2335 N Belt Hwy Ste D, Saint Joseph, MO 64506
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
Certificates of Deposit 3-month
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
90 days Certificates of Deposit
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO 65265 2014
Share Certificate 3 Month
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
3 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pony Express Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
213 N Main St, Braymer, MO 64624
3 Months Certificates of Deposit and IRA's
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
278 N Jefferson Ave, Lebanon, MO 65536
3 Month CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
$1,000 minimum
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
688 Salt Lick Rd, Saint Peters, MO 63376
3 Month Certificate of Deposit
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2301 Market St, Saint Louis, MO 63103
3 Months Certificates of Deposit
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
3 Months Certificates of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
3 Month CD
$0
0.21%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
90 Day Certificate of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
904 Walton Way, Richmond, MO 64085
90 Day CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO 65203 4601
3 Month CD
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance is $1,000.
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
3 Month CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Community Bank of Raymore
Institution Rating:
A+5.0 ★
1503 N State Route 291, Harrisonville, MO 64701
90 Days Certificates of Deposit
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Pleasant Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2401 N Highway 7, Pleasant Hill, MO 64080
90 Days Certificates of Deposit
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FEATURED RATE
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months Jumbo IRA
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 6 Months
$1,000
4.05%
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
6 Month Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
180 Day CD
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
6 Month IRA
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
6-Month IRA CD
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6-month FDIC-Insured Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
6 Month Certificates of Deposit
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, New Haven, MO 63068
6 Month CD
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
6 month CD
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
6 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
6 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
688 Salt Lick Rd, Saint Peters, MO 63376
6 Month Certificate of Deposit
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
6 Month CD
$1,000
3.77%
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDs 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
6 MONTHS Certificates of Deposit
$2,000
3.67%
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
801 E Broadway, Columbia, MO 65201
6-month CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
$50,000 - $250,000 New Money
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
101 E Grand Ave, Jasper, MO 64755
6-Month Special Certificates of Deposit
$500
3.63%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 months Term Shares Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
6 Month CD or IRA CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1000 E Main St, Park Hills, MO 63601
6 MO Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 6 Month Term
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
6 Month CD Special
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
6 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 6-month term
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
6-month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
6 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 6 months
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
6-Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
* Take advantage of current rates while they last
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
6 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
6 Month Certificates of Deposit
$500
3.51%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2480 E Main St Ste D, Jackson, MO 63755
Growth Certificate of Deposit 6 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
6 months CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
6-Month CD
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
6 Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
6 Month Share CD or IRA CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
6 Months Certificates (Includes IRA Certificates)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
6 Month Certificate of Deposit
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Certificates of Deposit require a minimum deposit of $1,000.
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 6 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 E Cherry St, Nevada, MO 64772
6-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
6 Month CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months Jumbo IRA
$0
4.39%
▼
Rate4.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
12 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD
$250
4.05%
▼
Rate3.99%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 12 Months
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1-year FDIC-Insured Certificates of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
IRA 12-month
$500
3.91%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1 Year Share CD or IRA CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
12 Month Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
12 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Build A Certificate of Deposit
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 12-month term
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
12 Month Certificates of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
12 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
3.75%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
12 MONTHS Certificates of Deposit
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
12 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
1 year CD
$1,000
3.66%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
12 Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
105 W Row St, Jamestown, MO 65046
12 Month CD or IRA
$0
3.65%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
12-Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 1 year
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
2335 N Belt Hwy Ste D, Saint Joseph, MO 64506
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 12 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 12 month term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
12 Month CD
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
12 Month CD
$1,000
3.62%
▼
Rate3.57%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
1 Year Certificates of Deposit
$500
3.61%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDs 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
12 Month IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
12 months Certificates of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit Youth 12 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 12 Month Term
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
12 Month CD/IRA
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
12-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
904 Walton Way, Richmond, MO 64085
12 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 months Term Shares Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
1 Year CD
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
101 S Hanley Rd, Saint Louis, MO 63105
12 Month Special Individual Retirement Accounts (IRAs)
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO 64501 1540
12 months Certificate of Deposit
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
Certificates 1 Year Term
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 12 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months Jumbo IRA
$0
4.23%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
1690 Lemay Ferry Rd, Saint Louis, MO 63125
18 month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18-month FDIC-Insured Certificates of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 18 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
18 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
18 Month Daily Compound CD
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
18 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
18 Month Certificates of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Share CD or IRA CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
18 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
18 Month CD/IRA
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
18 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2480 E Main St Ste D, Jackson, MO 63755
Growth Certificate of Deposit 18 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
18 months Certificates of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
18 Month Certificate
$0
3.49%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
18-Month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 18 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 18 Month Term
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
18 Month CD
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
18 Month CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
18 Month CD or IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
18 Months Certificates (Includes IRA Certificates)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
18 Month CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
18 MONTH CERTIFICATE OF DEPOSIT
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO 64501 1540
18 months Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
688 Salt Lick Rd, Saint Peters, MO 63376
18 Month Certificate of Deposit
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, New Haven, MO 63068
18 Month CD
$0
3.05%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
18 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
18 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Certificates of Deposit 18 Months
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6900 Clayton Ave, St Louis, MO 63139
Special Certificates of Deposit 18 Months
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month ADVANTAGE CD/IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
18 Month CD
$1,000
2.98%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 18 Months
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO 63017
Certificates of Deposit 18 Months
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Raytown Lee\'s Summit Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
10021 E 66th Ter, Raytown, MO 64133
18 MONTH CD
$500
2.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
Certificates of Deposit 18-month
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months Jumbo IRA
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2-year FDIC-Insured Certificates of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 24 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
24 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
24 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
3.70%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
24 MONTHS Certificates of Deposit
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
24 Month Daily Compound CD
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 2 year
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
24 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 24 Month Term
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
24 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Certificate of Deposit
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 24-month term
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
24 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
Agility 24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2480 E Main St Ste D, Jackson, MO 63755
Growth Certificate of Deposit 24 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
24 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
24 Month Certificates of Deposit
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
24-Month IRA Share Certificate
$0
3.41%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
24 months Certificates of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance? CDs 24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
2 Year Certificates of Deposit
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 Independence Boulevard, Kansas City, MO 64124
2 Year Certificates of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
24 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Raymore
Institution Rating:
A+5.0 ★
1503 N State Route 291, Harrisonville, MO 64701
IntraFi? Network Deposits (formerly CDARS ?) 2-year (104-week)
$10,000
3.28%
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Pleasant Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2401 N Highway 7, Pleasant Hill, MO 64080
IntraFi? Network Deposits (formerly CDARS ?) 2-year (104-week)
$10,000
3.28%
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 months CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
2 Year Share CD or IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal IRA CD 2 year
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
2 Year CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
24 Month CD
$1,000
3.20%
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
24 Month CD
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 24 month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 24 Months
$0
3.06%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 24 Months
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO 63017
Certificates of Deposit 24 Months
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
24 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months Jumbo IRA
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-year FDIC-Insured Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
36 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
3.70%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
36-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
36 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
36 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 36 Months
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
36 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
36 Month Share Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Months Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 36-month term
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
36 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance? CDs 36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
36-Month IRA CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
36 Month Certificates of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 Independence Boulevard, Kansas City, MO 64124
3 Year Certificates of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
36 MONTHS Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Raymore
Institution Rating:
A+5.0 ★
1503 N State Route 291, Harrisonville, MO 64701
IntraFi? Network Deposits (formerly CDARS ?) 3-year (156-week)
$10,000
3.30%
▼
Rate3.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank of Pleasant Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2401 N Highway 7, Pleasant Hill, MO 64080
IntraFi? Network Deposits (formerly CDARS ?) 3-year (156-week)
$10,000
3.30%
▼
Rate3.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
3 Year Share CD or IRA CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
36 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
36 Month IRA
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
36 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 36 month term
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 36 Month Term
$10,000
3.15%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
36 Month CD
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 36 months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
36 months Certificates of Deposit
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
3 Year CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
36 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
36 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 36 Months - 3
$0
3.02%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 months CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months Jumbo IRA
$0
4.49%
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
3.91%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
48 month Share Certificate of Deposit
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
48 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
48 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
48 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 4 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 48 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 48-month term
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
48 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
4 Year Share CD or IRA CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
48 Month Daily Compound CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
48 MONTHS Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
48 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 48 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
48 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
48 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
48 Month Certificates of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
48-Month IRA Share Certificate
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 48 Month Term
$10,000
3.15%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
48 Month CD
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 48 months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
48 Month CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
4 Year CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 4 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
48 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 48 Months - 4
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Certificates of Deposit 4 Years
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
48 months CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month ADVANTAGE CD/IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 48 month term
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
102 W Main St, Lewistown, MO 63452
48 months Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
4 Year Certificate
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
48 MONTH CERTIFICATE OF DEPOSIT
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
321 S Us Highway 169, Gower, MO 64454
4 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5-year FDIC-Insured Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months Jumbo IRA
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
3.91%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
60 Months Special Click to Open CD Certificates of Deposit
$1,000
3.89%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
60 Month Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
60 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
60 Month CD or IRA CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Interest paid quarterly
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Share CD or IRA CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
60 MONTHS Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
60 Months Certificates (Includes IRA Certificates)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
60 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
60 Month Share Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
60-Month IRA CD
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 60-month term
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
60 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Preferred Rate with any checking account
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
60 Months Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 60 Months
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
60 Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
In Branch
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 Independence Boulevard, Kansas City, MO 64124
5 Year Certificates of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
60 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited-time offer.
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 60 Months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
60-Month IRA Share Certificate
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 60 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
60 Month CD
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
60 Month Daily Compound CD
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
60 Month Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
950 W 92 Hwy, Kearney, MO 64060
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
Certificates of Deposit (CDs)-Details 60 Months - 5
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
60 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
210 Sw Main St, Lees Summit, MO 64063
60 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 60 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MA Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
202 N Main St, Monroe City, MO 63456
Certificates of Deposit & IRAs 5 Year
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
310 N Missouri St, Macon, MO 63552
Certificates of Deposit / 60 months
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 minimum deposit required
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Certificates of Deposit 5 Years
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month ADVANTAGE CD/IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
60 months CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Missouri CD Rate Trends
Compare local Missouri CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MO Avg
2.814%
▼ 0.022 vs 7 days ago
Missouri 12-month CD rates fell 0.022 points over the past 7 days to 2.814% APY.
6-Month CD — MO Avg
2.798%
▼ 0.040 vs 7 days ago
Missouri 6-month CD rates fell 0.040 points over the past 7 days to 2.798% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
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MO CD Rate Forecast — Next 12 Months
Where are Missouri CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
2.814%
6-Month Forecast
2.814%
Range: 2.61% – 2.96%
12-Month Forecast
2.564%
Range: 2.36% – 2.71%
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What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.165% | $108.26 | $216.51 | $541.28 | $1,082.55 |
| 6-Month CD | 2.798% | $139.88 | $279.76 | $699.40 | $1,398.80 |
| 12-Month CD | 2.814% | $140.71 | $281.41 | $703.53 | $1,407.05 |
| 18-Month CD | 2.538% | $126.89 | $253.77 | $634.43 | $1,268.85 |
| 24-Month CD | 2.686% | $134.30 | $268.60 | $671.50 | $1,343.00 |
| 36-Month CD | 2.696% | $134.82 | $269.63 | $674.08 | $1,348.15 |
| 48-Month CD | 2.708% | $135.41 | $270.82 | $677.05 | $1,354.10 |
| 60-Month CD | 2.856% | $142.82 | $285.63 | $714.08 | $1,428.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.165% | $108.26 |
| 2 | 6-Month CD | $5,000 | 2.798% | $139.88 |
| 3 | 12-Month CD | $5,000 | 2.814% | $140.71 |
| 4 | 24-Month CD | $5,000 | 2.686% | $134.30 |
| 5 | 36-Month CD | $5,000 | 2.696% | $134.82 |
| Total ($25,000 invested) | $25,000 | 2.632% blended | $657.97/yr | |
Ladder example uses equal $5,000 rungs and Missouri average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
122
Institutions
in Missouri
in Missouri
78 Banks
44 Credit Unions
About Our Missouri CD Rate Database
MonitorBankRates tracks CD rates from 78 banks and 44 credit unions with locations in Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Service 1 Federal Credit Union offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Missouri.
How to Find the Best CD Rates in Missouri
What to compare when shopping for a CD in Missouri
To find the best APYs in Missouri, start with credit unions and online-only banks — Missouri has 44 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Missouri
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Missouri — 122 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Missouri savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At MO 12-mo avg 2.814% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.814%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $120 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Missouri
Are CD rates in Missouri FDIC insured?
Yes, most established banks in Missouri are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Missouri?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Missouri.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Missouri may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Missouri?
Here are recent top rates found for this area:
- Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months)
- MECE Credit Union: 4.49% APY (IRA & HSA Certificates 48 Months Jumbo IRA)
- Conservation Employees Credit Union: 4.10% APY (12 Month Certificate)
- Edward Jones Trust Company: 4.10% APY (4-year FDIC-Insured Certificates of Deposit)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- First Missouri Credit Union: 4.05% APY (18 month CD)
- Alliance Credit Union Fenton, MO: 4.05% APY (Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD)
- The Corner Stone Bank: 4.05% APY (CD 6 Months)
- Omb Bank: 4.05% APY (3 Month CD)
- FNB of Nevada, Missouri: 4.01% APY (Basic CDs 3 Month)
Rates reflect recent verified offers available in Missouri. Last Updated: April 21, 2026
CD Calculators for Missouri
Missouri CD Calculator
At today’s MO top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Missouri CD LadderMO CD rates currently range from 2.165% (3-month) to 2.696% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Missouri CD at 4.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.814% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Missouri. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
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