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CD Rates Independence, Missouri (MO) for April 2026

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Brian McKay Brian McKay
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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: April 15, 2026

Current Independence, Missouri CD rates include Public Safety Credit UnionPublic Safety Credit Union20130 E Valley View Pkwy, Independence, MO 64057 1590A+5.0 ★Texas Ratio: 1.02%Real return: +1.10%APY minus CPI (February 2026) offering 1 Year Share CD or IRA CD at 3.90% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City3500 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 4.95%Real return: +1.00%APY minus CPI (February 2026) offering 3-Month CD at 3.80% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4545 S Noland Rd, Independence, MO 64055B4.4 ★Texas Ratio: 21.76%Real return: +0.89%APY minus CPI (February 2026) offering IRA Certificate Term 18-Month Variable at 3.69% APY, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO 64055 5406A+5.0 ★Texas Ratio: 4.27%Real return: +0.80%APY minus CPI (February 2026) offering 12 Month Term at 3.60% APY, and CommunityAmerica Credit UnionCommunityAmerica Credit Union3100 S State Route 291, Independence, MO 64057 2653A+5.0 ★Texas Ratio: 5.94%Real return: +0.80%APY minus CPI (February 2026) offering 3-Month Share Certificate at 3.60% APY. CD rates as of April 15, 2026 according to verified data from MonitorBankRates.

Independence has 44 local institutions in our database, with CD rates as high as 3.90% APY from Public Safety Credit Union at 20130 E Valley View Pkwy, Independence, MO 64057 1590. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. 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 15, 2026

Compare Best CD Rates in Independence, Missouri & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
3-Month CD
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3100 S State Route 291, Independence, MO 64057 2653
3-Month Share Certificate
$500
3.60%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3 Month CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 3 Month
$0
4.01%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-month FDIC-Insured Certificates of Deposit
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
90 Day CD Special
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Rate with any checking account

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Regular and IRA Share Certificate 3 Month Special
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Automatically renews into a 6-month certificate upon maturity. For a limited time only.

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—
UpdatedApr 15, 2026
Details

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—
UpdatedApr 15, 2026
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

In Branch

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
3 Month Certificate of Deposit
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Funding Limit: $12M

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Month Certificates of Deposit
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Certificate
$0
2.45%
View
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

$500 Minimum balance required to earn dividend

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—
UpdatedApr 15, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
View
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 15, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3-month Certificates of Deposit
$1,000
1.65%
View
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3-month Quarterly CD
$500
1.50%
View
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Individual Retirement Account (IRA) Certificate17 3 month
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Certificate of Deposit
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
90 Day Certificate of Deposit
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
90 Day CD
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Month CD
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Minimum balance is $1,000.

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—
UpdatedApr 15, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
6 Month Term
$10,000
3.55%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
6-Month CD
$0
3.50%
View
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
6 Month CD/IRA
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
6 Month Share Certificate
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 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).

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
6 Month Certificates
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6-Month IRA CD
$0
3.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Month CD
$0
3.89%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Certificate of Deposit
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Terms and conditions apply. Click below for details.

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 6 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CDs 6 month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-month CD
$50,000
3.65%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

$50,000 - $250,000 New Money

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6-Month Special Certificates of Deposit
$500
3.63%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Interest paid quarterly

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 6-month CD
$1,000
3.56%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificates of Deposit
$500
3.51%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month CD
$1,000
3.49%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Limited-time offer.

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
6 Month CD
$1,000
3.35%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

In Branch

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 6 Month
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate of Deposit
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Certificates of Deposit
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 6 Month
$500
2.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6 Month Jumbo CD
$50,000
2.52%
View
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Certificate of Deposit (CD)9 6 month
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6-month Certificates of Deposit
$1,000
2.40%
View
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
6-month Quarterly CD
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Personal IRA CD
$1,000
2.00%
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month Share Certificate of Deposit
$0
1.75%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month CD
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

MA Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Certificates of Deposit & IRAs 6 Month
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
6 Month CD
$1,000
0.45%
View
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
6 Month CD
$0
0.26%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
180 Day CD
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month Certificates of Deposit (CDs)
$5,000
0.15%
View
▼
Rate0.15%
Min Deposit$5,000
Min Balance—
UpdatedApr 15, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 Month CD
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Minimum balance is $1,000.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
1 Year Share CD or IRA CD
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
12-Month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
12 Month Term
$10,000
3.60%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

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%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
12 Month Youth Velocity Share Certificate
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
11400 E 23rd St S, Independence, MO 64052
12 Month Fixed IRA
$100
0.85%
View
▼
Rate0.85%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12-Month IRA Share Certificate
$0
4.12%
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs Youth Saver 12-Month CD (ages 0-19)
$250
4.05%
View
▼
Rate3.99%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 12-month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-year FDIC-Insured Certificates of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
IRA 12-month
$500
3.91%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12 Month Certificates
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
12 Month Build A Certificate of Deposit
$0
3.81%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Certificates of Deposit - 12-month term
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12 Month Jumbo CD
$50,000
3.75%
View
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
12 Month Certificate of Deposit
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 12 month term
$0
3.64%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1 Year Certificates of Deposit
$500
3.61%
View
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Year CD
$1,000
3.51%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Individual Retirement Account (IRA) Certificate17 12 month
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$100,000
3.49%
View
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
12 Month CD or IRA CD
$500
3.45%
View
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Interest paid quarterly

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
12 Month CD
$1,000
3.35%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

In Branch

Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Certificates of Deposit
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Pleasant Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IntraFi? Network Deposits (formerly CDARS ?) 1-year (52-week)
$10,000
3.29%
View
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1 Year** Certificates of Deposit
$0
3.28%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month ADVANTAGE CD/IRA
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month CD
$1,000
3.13%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Limited-time offer.

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12-Month IRA CD
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificate of Deposit
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1 year Certificates of Deposit (CDs)
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1 Year CD
$1,000
2.80%
View
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 1 year
$0
2.77%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Funding Limit: $12M

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
12-month Certificates of Deposit
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
12-month Quarterly CD
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month All-Star Youth Certificate of Deposit
$300
2.02%
View
▼
Rate2.00%
Min Deposit$300
Min Balance—
UpdatedApr 15, 2026
Details

MA Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Certificates of Deposit & IRAs 1 Year
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12 Month Individual Retirement Accounts (IRAs)
$0
1.43%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Leadco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
12 Month Certificate of Deposit
$0
1.10%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
12 Month CD
$1,000
0.70%
View
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

$1,000 minimum

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
1 Year CD
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Chester National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
12 Month CD
$0
0.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
1.5 Year Share CD or IRA CD
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

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%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
18-Month CD
$0
3.45%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
18 Month Term
$10,000
3.40%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
18 Month Share Certificate
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
18 month CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-month FDIC-Insured Certificates of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

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—
UpdatedApr 15, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 18-month CD
$1,000
3.61%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Certificate
$0
3.49%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Rate with any checking account

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—
UpdatedApr 15, 2026
Details

Interest paid quarterly

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month Certificate of Deposit
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 Month CD
$0
3.05%
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 month ADVANTAGE CD/IRA
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month CD
$1,000
2.98%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Limited-time offer.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18-month Certificates of Deposit
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month Variable CD/IRA
$100
2.55%
View
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details

Fees may reduce earnings.

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month CD
$0
2.53%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
View
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 15, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
18 Month CD
$1,000
2.12%
View
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CDs 1.5 year
$0
2.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
18-month Quarterly CD
$500
2.00%
View
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Individual Retirement Account (IRA) Certificate17 18 month
$0
1.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
18 Month Variable Individual Retirement Accounts (IRAs)
$0
1.52%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Certificates of Deposit
$500
1.50%
View
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
18 Month CD
$1,000
1.10%
View
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
18 Month CD or IRA
$0
1.05%
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Southeast Missouri Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
18 month CD
$0
0.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

$1,000.00 Minimum

Ozarks Federal OFSL
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 Month Certificate - Individual Retirement Account
$100
0.90%
View
▼
Rate0.90%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
18 MO Certificate of Deposit
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
18 Month CD
$0
0.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Chester National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month Certificates of Deposit (CDs)
$5,000
0.30%
View
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedApr 15, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
24 Month Term
$10,000
3.60%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
2 Year Share CD or IRA CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
24 Month CD/IRA
$500
3.00%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
24-Month CD
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
24 Month Share Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month IRA Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2-year FDIC-Insured Certificates of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
24 Month Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24 Month Jumbo CD
$50,000
3.70%
View
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 2 year
$0
3.65%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
24 Month Certificate of Deposit
$50,000
3.55%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 24-month CD
$1,000
3.51%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
24 Month Certificates of Deposit (Personal&Business)
$25,000
3.50%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 15, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
24 Month Certificates of Deposit
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 Year Certificates of Deposit
$500
3.31%
View
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificates of Deposit
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Certificate of Deposit
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Raymore
Institution Rating:
A+5.0 ★
IntraFi? Network Deposits (formerly CDARS ?) 2-year (104-week)
$10,000
3.28%
View
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
24 Month CD
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

In Branch

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate of Deposit
$500
3.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificate of Deposit
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month CD
$0
3.02%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month CD
$1,000
2.98%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Limited-time offer.

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
24-month Certificates of Deposit
$1,000
2.90%
View
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
24 Month Certificate of Deposit
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2 Year** Certificates of Deposit
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
24 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2 Year CD
$1,000
2.70%
View
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24 Month Certificate of Deposit
$1,000
2.53%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2-year CD
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
View
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA Certificate
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

MA Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Certificates of Deposit & IRAs 2 Year
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Individual Retirement Account (IRA) Certificate17 24 month
$0
1.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Southeast Missouri Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
24 month CD
$0
1.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

$1,000.00 Minimum

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
24 Month Individual Retirement Accounts (IRAs)
$0
1.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Growing Tree 24 month Certificates of Deposit (CDs)
$100
1.51%
View
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
2 Year Certificate of Deposit
$1,000
1.36%
View
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.

Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
24 Month CD or IRA
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
24 Month CD
$1,000
0.85%
View
▼
Rate0.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

$1,000 minimum

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
2 Year CD
$0
0.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month CD
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
24 MO Certificate of Deposit
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2 Year CD
$0
0.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Minimum balance is $1,000.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
3 Year Share CD or IRA CD
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
36 Month Term
$10,000
3.15%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
36-Month CD
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
36 Month CD/IRA
$500
1.30%
View
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
36 Month Share Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-year FDIC-Insured Certificates of Deposit
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month IRA Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
36 Month Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Month Jumbo CD
$50,000
3.70%
View
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
36 Month Certicicate of Deposit
$50,000
3.60%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.

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—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Interest paid quarterly

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Certificates of Deposit - 36-month term
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36-Month IRA CD
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
36 Month Certificates of Deposit
$0
3.34%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

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—
UpdatedApr 15, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 36 month term
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Variable Rate Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
3 Year CD
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate of Deposit
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 3 Year Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Year** Certificates of Deposit
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
36 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3 Year CD
$1,000
2.70%
View
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3-year CD
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Year Certificates of Deposit
$500
2.50%
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
36 Month Certificate of Deposit
$500
2.27%
View
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 year Personal IRA CD
$250
2.25%
View
▼
Rate2.23%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Individual Retirement Account (IRA) Certificate17 36 month
$0
1.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 36 Month Trade-Up
$500
1.52%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
3 Year Certificate of Deposit
$1,000
1.41%
View
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.

F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month Certificates of Deposit (CDs)
$5,000
1.26%
View
▼
Rate1.25%
Min Deposit$5,000
Min Balance—
UpdatedApr 15, 2026
Details

Ozarks Federal OFSL
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 Month Certificate - Individual Retirement Account
$100
1.10%
View
▼
Rate1.10%
Min Deposit$100
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3 Year CD
$0
0.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
36 Month CD
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
36 Month CD
$1,000
0.80%
View
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month CD
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Chester National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3 Year CD
$0
0.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Minimum balance is $1,000.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
4 Year Share CD or IRA CD
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
48 Month Term
$10,000
3.15%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
48-Month CD
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
48 Month CD/IRA
$500
1.40%
View
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
48 Month Share Certificate
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4-year FDIC-Insured Certificates of Deposit
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month IRA Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month Jumbo Bump Up CD
$50,000
3.91%
View
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
48 Month Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

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—
UpdatedApr 15, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Certificates of Deposit - 48-month term
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 Month Certificate of Deposit
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month CD
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Limited-time offer.

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

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 4 Year
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate of Deposit
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 48 month term
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48 Month CD Special
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
4 Year CD
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4 Year** Certificates of Deposit
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CDs 4 year
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
48 Month Certificate of Deposit
$500
2.27%
View
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
4 year Personal IRA CD
$250
2.25%
View
▼
Rate2.23%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48 Month Certificate of Deposit
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
48 Month Individual Retirement Accounts (IRAs)
$0
1.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4 Year Certificate of Deposit
$1,000
1.66%
View
▼
Rate1.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
4 Year CD
$0
1.16%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
48 Month CD
$1,000
0.95%
View
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

$1,000 minimum

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Month CD
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Chester National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
48 MO Certificate of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
1.5 Year Share CD or IRA CD
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

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

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
60-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 15, 2026
Details

$100,000 Minimum to Earn APY

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
$2,500
3.20%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 15, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
60 Month Term
$10,000
3.00%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
60-Month CD
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
60 Month Share Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
60 Month CD/IRA
$500
1.50%
View
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5-year FDIC-Insured Certificates of Deposit
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month IRA Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Month Jumbo CD
$50,000
3.91%
View
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
60 Month Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
60 Month Certificate of Deposit
$50,000
3.66%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 15, 2026
Details

$50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.

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—
UpdatedApr 15, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60-Month IRA CD
$0
3.46%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Certificates of Deposit - 60-month term
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
60 Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

In Branch

Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Certificates of Deposit
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 Year Certificate
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

$500 Minimum balance required to earn dividend

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—
UpdatedApr 15, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 5 Year
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 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—
UpdatedApr 15, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate of Deposit
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 60 month term
$0
2.90%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month CD/IRA
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
5 Year CD
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5 Year** Certificates of Deposit
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CDs 5 year
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
60 Month Certificate of Deposit
$500
2.27%
View
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 15, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
5 year Personal IRA CD
$250
2.25%
View
▼
Rate2.23%
Min Deposit$250
Min Balance—
UpdatedApr 15, 2026
Details

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60 Month Certificate of Deposit
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
60 Month Individual Retirement Accounts (IRAs)
$0
1.96%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
5 Year Certificate of Deposit
$1,000
1.76%
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.

Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
Certificate of Deposit (CD)9 60 month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Educational IRA 60 Mo CD
$0
1.31%
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Preferred Rate with any checking account

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
60 Month CD
$1,000
1.05%
View
▼
Rate1.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
60 Month CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 15, 2026
Details

$1,000 minimum

Community Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
60 Month CD
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month CD
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 15, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
60 MO Certificate of Deposit
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 15, 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 Independence, Missouri Institutions

Highest verified APYs available today — updated April 15, 2026

B Top 5 Bank Rates
First Federal Bank of Kansas City
3-Month CD
A+ 5.0 ★ TX: 4.95%
Min: $0
3.80%
Blue Ridge Bank and Trust Co.
18 Month CD/IRA
A+ 5.0 ★ TX: 2.89%
Min: $500
3.55%
North American Savings Bank (NASB)
12 Month Fixed IRA
A+ 5.0 ★ TX: 5.08%
Min: $100
0.85%
Edward Jones Trust Company
5-year FDIC-Insured Certificates of Deposit
A+ 5.0 ★ TX: 0.00%
Min: $0
4.15%
Omb Bank
3 Month CD
A+ 5.0 ★ TX: 4.97%
Min: $0
4.05%
CU Top 5 Credit Union Rates
Public Safety Credit Union
1 Year Share CD or IRA CD
A+ 5.0 ★ TX: 1.02%
Min: $500
3.90%
UNIFY Financial Federal Credit Union
IRA Certificate Term 18-Month Variable
B 4.4 ★ TX: 21.76%
Min: $100,000
3.69%
Missouri Central Credit Union
12 Month Term
A+ 5.0 ★ TX: 4.27%
Min: $10,000
3.60%
CommunityAmerica Credit Union
3-Month Share Certificate
A+ 5.0 ★ TX: 5.94%
Min: $500
3.60%
Interfaith Federal Credit Union
60-Mo Trad/Roth IRA CD
A+ 5.0 ★ TX: 1.60%
Min: $2,500
3.20%
Rates verified April 15, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Independence, MO CD Rate Trends

Compare local Independence, 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
2.836%
Unchanged vs 7 days ago

Missouri 12-month CD rates currently average 2.836% APY based on data from institutions in our monitoring network.

6-Month CD — MO Avg
2.838%
Unchanged vs 7 days ago

Missouri 6-month CD rates currently average 2.838% APY based on data from institutions in our monitoring network.

As of Apr 15, 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 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
2.836%
6-Month Forecast
2.836%
Range: 2.64% – 2.99%
12-Month Forecast
2.586%
Range: 2.39% – 2.74%

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 1.54% 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 2.191% $109.57 $219.14 $547.85 $1,095.70
6-Month CD 2.838% $141.91 $283.81 $709.53 $1,419.05
12-Month CD 2.836% $141.80 $283.60 $709.00 $1,418.00
18-Month CD 2.544% $127.22 $254.44 $636.10 $1,272.20
24-Month CD 2.722% $136.09 $272.17 $680.43 $1,360.85
36-Month CD 2.699% $134.94 $269.87 $674.68 $1,349.35
48-Month CD 2.705% $135.24 $270.47 $676.18 $1,352.35
60-Month CD 2.892% $144.59 $289.17 $722.93 $1,445.85
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 15, 2026.

Sample CD Ladder for Independence, 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 2.191% $109.57
2 6-Month CD $5,000 2.838% $141.91
3 12-Month CD $5,000 2.836% $141.80
4 24-Month CD $5,000 2.722% $136.09
5 36-Month CD $5,000 2.699% $134.94
Total ($25,000 invested) $25,000 2.657% blended $664.31/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.

90
Institutions
in Independence, Missouri
61 Banks 29 Credit Unions

About Our Independence, Missouri CD Rate Database

MonitorBankRates tracks CD rates from 61 banks and 29 credit unions with locations in Independence, 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: Public Safety Credit Union offers a CD at 3.90% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Independence, Missouri.

How to Find the Best CD Rates in Independence, Missouri

What to compare when shopping for a CD in Independence, Missouri

To find the best APYs in Independence, Missouri, start with credit unions and online-only banks — Independence, Missouri has 29 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 Independence, 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 Independence, Missouri — 90 institutions here report CD rates

Consider an Alternative If…

Independence, Missouri Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+
18.7%
National avg: 17.3%
Median Individual Earnings
$39,290
National avg: $47,340
Poverty Rate
15.8%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$111/yr
At MO 12-mo avg 2.836% APY

18.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.836%, saving 10% of the local median salary ($3,929/year) and putting it in a CD would earn an additional $111 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 Independence, 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 Independence, Missouri

Are CD rates in Independence, Missouri FDIC insured?

Yes, most established banks in Independence, 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 Independence, 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 Independence, 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 Independence, 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 Independence, Missouri?

Here are recent top rates found for this area:
  • Public Safety Credit Union: 3.90% APY (1 Year Share CD or IRA CD)
  • First Federal Bank of Kansas City: 3.80% APY (3-Month CD)
  • UNIFY Financial Federal Credit Union: 3.69% APY (IRA Certificate Term 18-Month Variable)
  • Missouri Central Credit Union: 3.60% APY (12 Month Term)
  • CommunityAmerica Credit Union: 3.60% APY (3-Month Share Certificate)
  • Blue Ridge Bank and Trust Co.: 3.55% APY (18 Month CD/IRA)
  • Interfaith Federal Credit Union: 3.20% APY (60-Mo Trad/Roth IRA CD)
  • 1st MidAmerica Credit Union: 1.51% APY (60 Month Share Certificate)
  • North American Savings Bank (NASB): 0.85% APY (12 Month Fixed IRA)
  • Edward Jones Trust Company: 4.15% APY (4-year FDIC-Insured Certificates of Deposit)
Rates reflect recent verified offers available in Independence, Missouri. Last Updated: April 15, 2026

CD Calculators for Independence, Missouri

Independence, Missouri CD Calculator

At today’s MO top rate of 3.90% APY, a $10,000 deposit earns $390 in the first year. Enter your amount to see your exact return.

Independence, Missouri CD Ladder

MO CD rates currently range from 2.191% (3-month) to 2.699% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Independence, Missouri CD at 3.90% 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 2.836% 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 Independence, 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 Independence, 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 15, 2026

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