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Garden City, Missouri CD Rates Today - Compare Best APYs for June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: June 16, 2026

Current Garden City, Missouri CD rates include Catholic Family Credit UnionCatholic Family Credit UnionB-4.3 ★Texas Ratio: 21.72%Real return: +5.20%APY minus CPI (February 2026) offering Older 24 or 36 Month at 8.00% APY, Edward Jones Trust CompanyEdward Jones Trust CompanyA+5.0 ★Texas Ratio: 0.00%Real return: +1.55%APY minus CPI (February 2026) offering 4-year CD at 4.35% APY, Sullivan BankSullivan BankA5.0 ★Texas Ratio: 7.14%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Special at 4.30% APY, Heritage Community Bank Union, MOHeritage Community Bank Union, MOA+5.0 ★Texas Ratio: 4.09%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month at 4.25% APY, and CIBCCIBCA+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.

Garden City is a smaller community with no bank or credit union branches currently in our database. 720 institutions serving the Missouri area are available to Garden City residents, with CD rates as high as 8.00% APY from Catholic Family Credit Union. 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: June 16, 2026

Compare Best CD Rates in Garden City, Missouri & the Surrounding Area

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Garden City 3 Month CD Rates

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%
3 Month CD
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Renewal rate based on 3-month board rate at maturity. Penalty for early withdrawal. Rates subject to change.

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month
$0
4.01%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-month CD
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month CD
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
3 Month CD or IRA CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid at term or maturity of CD

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Month Certificate
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Dividend Rate (DR) 3.698%

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
90 Day CD
$1,000
3.65%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 3 month
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 months
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
3 Month Certificate of Deposit
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month ADVANTAGE CD/IRA
$0
3.51%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month CD/IRA
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs - 3 month
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
3 Month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Month
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3 Months
$0
3.01%
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Share Certificate 3 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
3 Months
$0
2.96%
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Classic CD 3 Months
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Rate/APY for balances of $50,000.00 or over: 2.75% / 2.78%

Senath State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 Months
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3 month
$0
2.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Months
$1,000
2.15%
View
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3-Month CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
3 month
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month
$0
1.84%
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3-month Certificate of Deposit
$1,000
1.65%
View
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
90-day CD
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 MONTHS
$2,500
1.16%
View
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 days
$1,000
1.15%
View
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Month
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month CD
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FCNB Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.82%
3 Month
$1,000
1.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3 Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Not Available for IRAs

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
3 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Certificate
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
3 Months
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3 Month CD
$0
0.21%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

Garden City 6 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Only available June 8-26. Requires a minimum of $50,000 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).

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6 Month Certificate of Deposit
$0
4.00%
View
▼
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 6 Months
$1,000
4.00%
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 6 months
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FEATURED RATE

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6 Month
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month IRA
$0
3.96%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-month CD
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Add-On CD
$0
3.94%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Simple Interest CD
$0
3.94%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6 months
$0
3.89%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month CD
$1,000
3.85%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 Month CD
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Personal CD
$1,000
3.85%
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6-Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month
$5,000
3.80%
View
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.77%
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
6-MONTH Share Certificate
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EFFECTIVE 10/01/2025

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6-Month Special
$0
3.73%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
6 month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6-Month CD
$0
3.65%
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month CD Special
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day CD
$1,000
3.65%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day IRA
$250
3.65%
View
▼
Rate3.60%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 6 month
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
6 Month CD or IRA CD
$500
3.60%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-month CD
$1,000
3.56%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
6 MO
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
6 months to 11 months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 months
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month CD Special
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
6 Months
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6-Month IRA CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6 Month Term
$10,000
3.55%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 6 Month Term
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-month CD
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6-Month Certificate
$0
3.51%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month ADVANTAGE CD/IRA
$0
3.51%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6-Month CD
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Take advantage of current rates while they last

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6-month guaranteed rate
$50,000
3.50%
View
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedJun 16, 2026
Details

Monthly Service Fee: $0 ($10 if balance falls below $1,000)

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month Certificate
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Dividend Rate (DR) 3.455%

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Classic CD 6 Months
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6-Month Certificate
$0
3.46%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 6 Month Term
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6 Month Term
$500
3.45%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 12 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Year CD
$1,000
4.06%
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Year IRA
$250
4.06%
View
▼
Rate4.00%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-year CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 12 Months
$1,000
3.95%
View
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
Individual Retirement Account (IRA) 12-month
$500
3.91%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1 Year Certificate of Deposit
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
12 Month CD
$1,000
3.85%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
12 Month
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Youth 12 Month
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
12 months to 23 months
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Youth Saver 12-Month CD (ages 0-19)
$250
3.80%
View
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Months
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
12 Month Certificate of Deposit
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
12 Month CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
12-Month CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 12 months
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Share Certificate 1 Year
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.

Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1 year
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
12 months
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 1 Year
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1 year Personal CD
$1,000
3.66%
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1 year
$0
3.65%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
12-MONTH Share Certificate
$0
3.65%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EFFECTIVE 10/01/2025

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$250,000
3.65%
View
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedJun 16, 2026
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12 Month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
12 Month CD or IRA
$500
3.65%
View
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

All Time Deposit Accounts are subject to Substantial penalty for early withdrawal. The APY assumes that interest remains on deposit until maturity.

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Relationship Special 12 Month
$10,000
3.65%
View
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12 month term
$0
3.64%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Youth Certificate - 12 mo. Term
$0
3.64%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
3.63%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month
$0
3.62%
View
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA 12 Month
$500
3.61%
View
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. Compounded Quarterly.

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12-Month Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12-Month IRA
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
12 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 1 Year
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 12 Month Term
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12 Month Term
$10,000
3.60%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
12 Month IRA
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12 Month IRA
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Youth 12 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Months
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12 Month CD
$1,000
3.60%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12 months
$1,000
3.60%
View
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1 year
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 months
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12-Month IRA
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 18 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18-month CD
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Featured rate

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-month CD
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
18 month
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 18 Months
$1,000
3.85%
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month
$5,000
3.85%
View
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month CD
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month Daily Compound CD
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month IRA
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Variable Rate

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificate of Deposit
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1.5 Year Certificate of Deposit
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
18 Months
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 months
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
18-MONTH Share Certificate
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EFFECTIVE 10/01/2025

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
18-Month CD
$0
3.45%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 months
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
18 Month
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 18 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 Month CD
$1,000
3.40%
View
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Term
$10,000
3.40%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 18 Month Term
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
18 Month CD or IRA CD
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 18 Months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 18 Month Term
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates (CDs) 18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Term
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Months Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 MONTH CERTIFICATE OF DEPOSIT
$500
3.25%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
18 months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Classic CD 18 Months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate 18 Month
$100
3.10%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18-month Certificate of Deposit
$1,000
3.10%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Months
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 months
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Variable IRA
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Variable

Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 Month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
18 Month Certificate of Deposit
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Months
$0
3.01%
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Share Certificate 18 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 18 months
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
18 Month
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 24 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month
$0
4.25%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Certificate
$0
4.25%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2-year CD
$0
4.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 24 Months
$1,000
3.85%
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
24 Month CD
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA 24 Month
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. Compounded Quarterly.

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 24 months
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
24 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
24 Months
$1,000
3.70%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Daily Compound CD
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month IRA
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
2 year
$0
3.65%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 24 Month Term
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
24 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24 Month Term
$10,000
3.60%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
24 months to 35 months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
24-Month CD
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24 Month Term
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 24 Month Term
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
24 months
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Fixed
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
24 Month Certificate of Deposit
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month Certificate
$0
3.41%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month IRA
$0
3.41%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 24 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 months
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 2 Years
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month Certificate
$0
3.36%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month IRA
$0
3.36%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 months
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
2 year
$0
3.35%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month Certificate
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24-Month IRA
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
24 months to 35 months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 2 Years
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Rate/APY for balances of $50,000.00 or over: 3.25% / 3.29%

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Months Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
24 Month CD or IRA CD
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
2 Year CD
$1,000
3.25%
View
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
2 Year IRA
$250
3.25%
View
▼
Rate3.21%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
24-MONTH Share Certificate
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EFFECTIVE 10/01/2025

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
24 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2 Year Certificate of Deposit
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 months
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 36 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Catholic Family Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.72%
Older 24 or 36 Month
$0
8.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Older

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-year CD
$0
4.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
View
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
36 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36-Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 36 Months
$1,000
3.55%
View
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Month CD
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 year
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
36 Month CD or IRA CD
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Fixed
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 months
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
36 Months
$1,000
3.45%
View
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
36 months
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 36 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
36 Month Certificate of Deposit
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month Certificate
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month IRA
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Months Rate Bump
$1,000
3.30%
View
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 3 Years
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3 Year Certificate of Deposit
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Educational Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.92%
36-Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compounds 36 Months

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Rate/APY for balances of $50,000.00 or over: 3.25% / 3.29%

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month IRA
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
36 Month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
36 Month
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month Certificate
$0
3.26%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month IRA
$0
3.26%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Months Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 36 months
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
36 month term
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 months
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs - 3 year
$0
3.22%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month Certificate
$0
3.21%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month IRA
$0
3.21%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
36 Month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 3 Years
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36-Month IRA CD
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
36 Month Term
$10,000
3.15%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 36 Month Term
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
36 months to 47 months
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36 months
$1,000
3.10%
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Variable Rate Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 Years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Classic CD 3 Years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 48 Month CD Rates

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%
4-year CD
$0
4.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month
$0
4.25%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Certificate
$0
4.25%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Classic CD 4 Years
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 4 Years
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 4 Years
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month Bump Up CD
$1,000
3.75%
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
48 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
48 Months
$1,000
3.60%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
48-Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Months
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Month CD
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month CD
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
48 Month CD or IRA CD
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
4 year
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 months
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 48 Months
$1,000
3.45%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
48 months
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
4 Year Certificate of Deposit
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 16, 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%
Performance? CDs 48 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Months Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Daily Compound CD
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Months Rate Bump
$1,000
3.30%
View
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Rate/APY for balances of $50,000.00 or over: 3.25% / 3.29%

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month IRA
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
48 Month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
48 Month
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 48 months
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
48 months to 59 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Certificate of Deposit
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month Certificate
$0
3.16%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month IRA
$0
3.16%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48 Month Term
$10,000
3.15%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates - 48 Month Term
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
48 months to 59 months
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month Certificate
$0
3.11%
View
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month IRA
$0
3.11%
View
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
48 Month CD
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
4 Year CD
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
4 Year IRA
$250
3.09%
View
▼
Rate3.05%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month IRA
$0
3.06%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48-Month Certificate
$0
3.06%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate 4 Year
$100
3.05%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48 Month Term
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Garden City 60 Month CD Rates

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%
5-year CD
$0
4.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
60 Months Special
$0
4.30%
View
▼
Rate4.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Click to Open CD

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
60 Months Special Click to Open CD
$1,000
4.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Rate/APY for balances of $50,000.00 or over: 3.75% / 3.80%

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Month CD
$1,000
3.75%
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
60 Month
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
60 Month CD or IRA CD
$500
3.60%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Interest paid quarterly

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
60-Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Months
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Month CD
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 months
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
60 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 60 months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Fixed
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Minimum balance to earn APY: $100,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
5 Year Certificate of Deposit
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Months
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
60 months
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60 Month
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3.5-Year Bump Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 60 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
60-Month IRA CD
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
60 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Months Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Months Rate Bump
$1,000
3.30%
View
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
60 Month
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 60 Months
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
60 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month Certificate
$0
3.21%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month IRA
$0
3.21%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Premier CD 5 Years
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month IRA
$0
3.16%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month Certificate
$0
3.16%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
60 months
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
60 Month CD
$1,000
3.14%
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month Certificate
$0
3.11%
View
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60-Month IRA
$0
3.11%
View
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate 5 Year
$100
3.10%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Variable Rate Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Signature CD 5 Years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Daily Compound CD
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
60 Month CD
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

(a), (c)

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
60 Month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Certificates of Deposit / 60 months
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
60 Months - 5
$0
3.03%
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
60 Month Certificate of Deposit
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Garden City, Missouri Institutions

Highest verified APYs available today — updated June 16, 2026

B Top 5 Bank Rates
Edward Jones Trust Company
4-year CD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.35%
Sullivan Bank
60 Months Special
A 5.0 ★ TX: 7.14%
Min: $0
4.30%
Heritage Community Bank Union, MO
24 Month
A+ 5.0 ★ TX: 4.09%
Min: $0
4.25%
CIBC
18-month CD
A+ 5.0 ★ TX: 2.97%
Min: $1,000
4.15%
Freedom Bank of Southern Missouri
1 Year CD
A+ 5.0 ★ TX: 4.04%
Min: $1,000
4.06%
CU Top 5 Credit Union Rates
Catholic Family Credit Union
Older 24 or 36 Month
B- 4.3 ★ TX: 21.72%
Min: $0
8.00%
Chicago Patrolmens Federal Credit Union
Jumbo 6-Month Share Certificate
A+ 5.0 ★ TX: 4.44%
Min: $0
4.08%
Conservation Employees Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 0.37%
Min: $0
4.03%
Mercy Credit Union
18 month
A+ 5.0 ★ TX: 1.66%
Min: $0
4.00%
Mazuma Credit Union
Signature CD 4 Years
A 5.0 ★ TX: 10.03%
Min: $0
4.00%
Rates verified June 16, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Garden City, MO CD Rate Trends

Compare local Garden City, MO 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.

View Full Missouri CD Trends →
12-Month CD — MO Avg
2.967%
▼ 0.062 vs 7 days ago

Missouri 12-month CD rates fell 0.062 points over the past 7 days to 2.967% APY.

6-Month CD — MO Avg
2.781%
▼ 0.194 vs 7 days ago

Missouri 6-month CD rates fell 0.194 points over the past 7 days to 2.781% APY.

As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MO CD Rate Forecast — Next 12 Months

Where are Missouri CD rates headed through June 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MO 12-Month Avg APY
2.967%
6-Month Forecast
2.967%
Range: 2.77% – 3.12%
12-Month Forecast
2.717%
Range: 2.52% – 2.87%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Missouri average 12-month CD APY in our database.

Spread model: The Missouri 12-month CD average currently trades 1.41% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

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 2.169% $108.45 $216.89 $542.23 $1,084.45
6-Month CD 2.781% $139.03 $278.06 $695.15 $1,390.30
12-Month CD 2.967% $148.37 $296.74 $741.85 $1,483.70
18-Month CD 2.666% $133.28 $266.56 $666.40 $1,332.80
24-Month CD 2.797% $139.83 $279.65 $699.13 $1,398.25
36-Month CD 2.779% $138.94 $277.88 $694.70 $1,389.40
48-Month CD 2.828% $141.42 $282.84 $707.10 $1,414.20
60-Month CD 2.826% $141.29 $282.57 $706.43 $1,412.85
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026.

Sample CD Ladder for Garden City, 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.

Build Your Ladder →
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 2.169% $108.45
2 6-Month CD $5,000 2.781% $139.03
3 12-Month CD $5,000 2.967% $148.37
4 24-Month CD $5,000 2.797% $139.83
5 36-Month CD $5,000 2.779% $138.94
Total ($25,000 invested) $25,000 2.698% blended $674.62/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.

636
CD Rates
Tracked in Garden City, Missouri
62 Banks 38 Credit Unions

About Our Garden City, Missouri CD Rate Database

MonitorBankRates tracks 636 CD rates from 62 banks and 38 credit unions with locations in Garden City, 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: Catholic Family Credit Union offers a CD at 8.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Garden City, Missouri.

How to Find the Best CD Rates in Garden City, Missouri

What to compare when shopping for a CD in Garden City, Missouri

To find the best APYs in Garden City, Missouri, start with credit unions and online-only banks — Garden City, Missouri has 38 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 Garden City, 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 Garden City, Missouri — 100 institutions here report CD rates

Consider an Alternative If…

Missouri Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

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
$127/yr
At MO 12-mo avg 2.967% 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 2.967%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $127 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 Garden City, 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

How Certificates of Deposit Work in Garden City, Missouri

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Garden City, Missouri typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Garden City, Missouri as everywhere in the U.S.

Choosing a CD Term in Garden City, Missouri

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Garden City, Missouri savers easier access to their funds. For example, Chicago Patrolmens Federal Credit Union is offering its Jumbo 6-Month Share Certificate at 4.08% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5-year CD at 4.35% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Garden City, Missouri Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Garden City, Missouri saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Garden City, Missouri

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Garden City, Missouri CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Garden City, Missouri

Most CDs carry a fixed rate that is locked for the entire term, protecting a Garden City, Missouri depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Garden City, Missouri

Are CD rates in Garden City, Missouri FDIC insured?

Yes, most established banks in Garden City, 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 Garden City, 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 Garden City, 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 Garden City, 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 Garden City, Missouri?

Here are recent top rates found for this area:
  • Catholic Family Credit Union: 8.00% APY (Older 24 or 36 Month)
  • Edward Jones Trust Company: 4.35% APY (4-year CD)
  • Sullivan Bank: 4.30% APY (60 Months Special)
  • Heritage Community Bank Union, MO : 4.25% APY (24 Month)
  • CIBC: 4.15% APY (18-month CD)
  • Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
  • Freedom Bank of Southern Missouri: 4.06% APY (1 Year CD)
  • Omb Bank: 4.05% APY (3 Month CD)
  • Conservation Employees Credit Union: 4.03% APY (12 Month Certificate)
  • FNB of Nevada, Missouri: 4.01% APY (3 Month)
Rates reflect recent verified offers available in Garden City, Missouri. Last Updated: June 16, 2026

CD Calculators for Garden City, Missouri

Garden City, Missouri CD Calculator

At today’s MO top rate of 8.00% APY, a $10,000 deposit earns $800 in the first year. Enter your amount to see your exact return.

Garden City, Missouri CD Ladder

MO CD rates currently range from 2.169% (3-month) to 2.779% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Garden City, Missouri CD at 8.00% 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 Savings

Missouri’s average 12-month CD is 2.967% 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

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Garden City, Missouri CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Garden City, 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 sourcing data 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 Garden City, 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: June 16, 2026

Garden City, Missouri Rates & Resources

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