Missouri Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
Missouri CD rates range from 0.45% to 10.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Missouri CD rates include Century Credit UnionCentury Credit Union1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405A+5.0 ★Texas Ratio: 1.27%Real return: +6.30%APY minus CPIRate verified Oct 19, 2026 offering 6 Month Teen CD at 10.00% APY, Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit Union312 W Main St, Park Hills, MO 63601 2544A+5.0 ★Texas Ratio: 1.03%Real return: +2.44%APY minus CPIRate verified Oct 19, 2026 offering Certificate of Deposit - 12 Month Youth at 6.14% APY, De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit Union2082 Rock Rd, De Soto, MO 63020 1052A5.0 ★Texas Ratio: 8.77%Real return: +1.39%APY minus CPIRate verified Oct 19, 2026 offering 1 Year Certificate of Deposit at 5.09% APY, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.67%Real return: +1.31%APY minus CPIRate verified Oct 19, 2026 offering IRA & HSA Certificate - 48 Months Jumbo IRA at 5.01% APY, and Bank of Franklin CountyBank of Franklin County900 E 8th St, Washington, MO 63090A+5.0 ★Texas Ratio: 3.97%Real return: +1.20%APY minus CPIRate verified Oct 21, 2026 offering 18 Month YOUTH Fair CD Special at 4.90% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Missouri side-by-side. Missouri CD rates currently reach as high as 10.00% APY from Century Credit Union at 1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405. Rates are continually updated, so 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: October 23, 2026
Compare Best CD Rates in Missouri
Missouri 3 Month CD Rates
MonitorBankRates Missouri Average · 3 Month CD1.84% APY▼ 0.06% from last weekNational 2.13%
The average 3-month CD rate in Missouri is 1.84% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
312 W Central Ave, Carthage, MO 64836
3 Month CD
$500
4.24%
▲ 2.40% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 2.40% above avgNationally 2.13%
Details
Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.
Rate History
No change since Oct 22, 2026 · 4.24% APY
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Month FDIC-Insured Certificates of Deposit
$0
4.20%
▲ 2.36% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 2.36% above avgNationally 2.13%
Details
APY effective 10/19/2026; interest must be paid out periodically and cannot remain on deposit
Rate History
1 change since Sep 19, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 21, 20264.20%▲ from 4.10%
- Sep 19, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificate - 3 Months
$500
4.08%
▲ 2.24% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average1.84%▲ 2.24% above avgNationally 2.13%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 3 Month
$1,000
4.06%
▲ 2.22% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 2.22% above avgNationally 2.13%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.06% ▲ 0.05 pts · high 4.06% / low 4.01%
- Oct 22, 20264.06%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
3 Month Featured CD
$0
4.05%
▲ 2.21% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 2.21% above avgNationally 2.13%
Details
Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
214 S Franklin St, Kirksville, MO 63501
3-Month CD
$1,000
4.00%
▲ 2.16% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 2.16% above avgNationally 2.13%
Details
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
3-Month CD
$0
3.90%
▲ 2.06% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 2.06% above avgNationally 2.13%
Details
Minimum balance $500.
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 3 Months
$500
3.87%
▲ 2.03% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 2.03% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 10, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 3 Months
$500
3.87%
▲ 2.03% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 2.03% above avgNationally 2.13%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)
Rate History
1 change since Sep 27, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 19, 20263.87%▲ from 3.56%
- Sep 27, 20263.56%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12210 S 71 Hwy, Grandview, MO 64030
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 2.01% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 2.01% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.85%
▲ 2.01% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 2.01% above avgNationally 2.13%
Details
Interest paid at term or maturity of CD
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 11 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 3 Months
$500
3.85%
▲ 2.01% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 2.01% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 19, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$0
3.75%
▲ 1.91% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average1.84%▲ 1.91% above avgNationally 2.13%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 8 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 3 Month
$0
3.75%
▲ 1.91% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.91% above avgNationally 2.13%
Details
Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
90 Day CD Special
$0
3.65%
▲ 1.81% above Missouri avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.81% above avgNationally 2.13%
Details
Preferred Rate with any checking account; second rate pair 3.70% / 3.75% (columns not separately labeled); APY minimum balance $500.00
Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 8 times
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65%
▲ 1.81% above Missouri avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.81% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$500
3.61%
▲ 1.77% above Missouri avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.77% above avgNationally 2.13%
Details
Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
- Oct 7, 20263.61%▲ from 3.51%
- Sep 11, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
Performance CDs - 3 month
$0
3.60%
▲ 1.76% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 1.76% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
3 Month Business Share Certificate
$500
3.60%
▲ 1.76% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.76% above avgNationally 2.13%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
3 Month Share Certificate
$500
3.60%
▲ 1.76% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.76% above avgNationally 2.13%
Details
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 4 times
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
Personal Certificate of Deposit - 3 Month
$1,000
3.55%
▲ 1.71% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.71% above avgNationally 2.13%
Details
Minimum $1,000 required to open and obtain APY; Penalty for early withdrawal applies; APY accurate as of 5/27/26
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
MULTIPLI
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3608 W Truman Blvd, Jefferson City, MO 65109 0535
3 Month Certificate
$0
3.55%
▲ 1.71% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.71% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.55% APY
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
201 E Cherry St, Nevada, MO 64772
3-Month CD
$1,000
3.40%
▲ 1.56% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 1.56% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
3 Month CD
$1,000
3.40%
▲ 1.56% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.56% above avgNationally 2.13%
Details
In Branch Only
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 9 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month CD/IRA
$500
3.35%
▲ 1.51% above Missouri avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.51% above avgNationally 2.13%
Details
Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 7, 20263.35%▲ from 3.25%
- Sep 11, 20263.25%first recorded
The Hamilton Bank
Institution Rating:
B3.5 ★Texas Ratio: 3.70%
111 N Davis St, Hamilton, MO 64644
3 Month CD
$1,000
3.29%
▲ 1.45% above Missouri avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.45% above avgNationally 2.13%
Details
Balance: $50,000.00 and up; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 3.29% APY · checked 2 times
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Certificate of Deposit - 3 Months
$1,000
3.25%
▲ 1.41% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 1.41% above avgNationally 2.13%
Details
Minimum opening deposit $1000; interest compounded quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
3 Month Certificate
$500
3.19%
▲ 1.35% above Missouri avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.35% above avgNationally 2.13%
Details
90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.19% APY · checked 2 times
The Hamilton Bank
Institution Rating:
B3.5 ★Texas Ratio: 3.70%
111 N Davis St, Hamilton, MO 64644
3 Month CD
$1,000
3.03%
▲ 1.19% above Missouri avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.19% above avgNationally 2.13%
Details
Balance: $10,000.00-49,999.99; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 2 times
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit - 3 Month
$0
3.03%
▲ 1.19% above Missouri avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.19% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 2 times
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
130 E Main St, Adrian, MO 64720
Certificates of Deposit - 3 Month
$1,000
3.02%
▲ 1.18% above Missouri avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.18% above avgNationally 2.13%
Details
Penalty for early withdrawal; CD minimum opening deposit: $1,000
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 7 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Certificates of Deposit - 90 Day
$0
3.00%
▲ 1.16% above Missouri avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 1.16% above avgNationally 2.13%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
917 1st St, Kennett, MO 63857
Certificates of Deposit - 3 Months
$0
3.00%
▲ 1.16% above Missouri avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.16% above avgNationally 2.13%
Details
Penalty for early withdrawal. Fees may reduce earnings.
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
917 1st St, Kennett, MO 63857
Traditional & Roth IRA - 3 Months
$0
3.00%
▲ 1.16% above Missouri avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 1.16% above avgNationally 2.13%
Details
Penalty for early withdrawal applies
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
3 Month Share Certificates
$300
2.95%
▲ 1.11% above Missouri avg
▼
Rate2.91%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.11% above avgNationally 2.13%
Details
Minimum required deposit is $300.00; Penalties will be imposed for early withdrawal; Dividends are compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
3 Month Classic CD
$500
2.90%
▲ 1.06% above Missouri avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 1.06% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate of Deposit
$1,000
2.88%
▲ 1.04% above Missouri avg
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 1.04% above avgNationally 2.13%
Details
Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 9 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate of Deposit
$1,000
2.83%
▲ 0.99% above Missouri avg
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 0.99% above avgNationally 2.13%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 2.83% APY · checked 9 times
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
3 Month Certificate of Deposit
$0
2.78%
▲ 0.94% above Missouri avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average1.84%▲ 0.94% above avgNationally 2.13%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
No change since Sep 7, 2026 · 2.78% APY · checked 8 times
The Hamilton Bank
Institution Rating:
B3.5 ★Texas Ratio: 3.70%
111 N Davis St, Hamilton, MO 64644
3 Month CD
$1,000
2.78%
▲ 0.94% above Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 0.94% above avgNationally 2.13%
Details
Balance: $1,000.00-9,999.99; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 2.78% APY · checked 2 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate of Deposit
$1,000
2.78%
▲ 0.94% above Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 0.94% above avgNationally 2.13%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 9 times
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
916 N Kings Hwy, Perryville, MO 63775
3 Month CD
$500
2.69%
▲ 0.85% above Missouri avg
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 0.85% above avgNationally 2.13%
Details
Compounding: at maturity; Minimum Balance to Obtain APY: $500
Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 8 times
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
100 E 20th St, Kansas City, MO 64108
3 Month Certificate (CD Only)
$1,000
2.60%
▲ 0.76% above Missouri avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 0.76% above avgNationally 2.13%
Details
Certificate of Deposit/IRA; Personal Rates
Rate History
No change since Oct 20, 2026 · 2.60% APY
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
100 E 20th St, Kansas City, MO 64108
Business 3 Months (CD Only)
$1,000
2.60%
▲ 0.76% above Missouri avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 0.76% above avgNationally 2.13%
Details
Certificate of Deposit/IRA; Business Rates
Rate History
No change since Oct 20, 2026 · 2.60% APY
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
3 Month Certificate
$1,000
2.52%
▲ 0.68% above Missouri avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 0.68% above avgNationally 2.13%
Details
Compounds at Maturity
Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Month Business CD
$0
2.45%
▲ 0.61% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average1.84%▲ 0.61% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
CD 3 month
$1,000
2.27%
▲ 0.43% above Missouri avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 0.43% above avgNationally 2.13%
Details
Minimum Deposit $1,000; Certificate dividends paid monthly; Rates accurate as of 08/01/2026
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 3 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
3 Month Certificate of Deposit
$1,000
2.15%
▲ 0.31% above Missouri avg
▼
Rate2.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 0.31% above avgNationally 2.13%
Details
Rate History
No change since Oct 9, 2026 · 2.15% APY · checked 2 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 3 Months
$1,000
2.15%
▲ 0.31% above Missouri avg
▼
Rate2.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average1.84%▲ 0.31% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 2.15% APY · checked 2 times
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
931 State Highway 248, Branson, MO 65616
CD - 3 Month
$1,000
2.02%
▲ 0.18% above Missouri avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average1.84%▲ 0.18% above avgNationally 2.13%
Details
APY accurate as of 8/21/2026
Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 3 times
Missouri 6 Month CD Rates
MonitorBankRates Missouri Average · 6 Month CD2.88% APY▼ 0.03% from last weekNational 2.78%
The average 6-month CD rate in Missouri is 2.88% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$100
10.00%
▲ 7.12% above Missouri avg
▼
Rate9.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 7.12% above avgNationally 2.78%
Details
Teen CD 6 Months $1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%
Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 9 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Share Certificates
$0
4.75%
▲ 1.87% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.87% above avgNationally 2.78%
Details
FEATURED RATE
Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 23, 20264.75%▲ from 3.75%
- Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Youth Certificates 1
$0
4.75%
▲ 1.87% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.87% above avgNationally 2.78%
Details
FEATURED RATE; Penalties may apply for early withdrawals.
Rate History
No change since Oct 23, 2026 · 4.75% APY
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 6 Month
$7,500
4.58%
▲ 1.70% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.70% above avgNationally 2.78%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 4 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6 Month FDIC-Insured Certificates of Deposit
$0
4.35%
▲ 1.47% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.47% above avgNationally 2.78%
Details
APY effective 10/19/2026; interest must be paid out periodically and cannot remain on deposit
Rate History
1 change since Sep 19, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Oct 21, 20264.35%▲ from 4.20%
- Sep 19, 20264.20%first recorded
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO 64093
6 Month Short Term and IRA Short Term Certificates
$500
4.33%
▲ 1.45% above Missouri avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.45% above avgNationally 2.78%
Details
Rates as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 19, 20264.33%▲ from 4.00%
- Sep 14, 20264.00%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 6 Month
$0
4.30%
▲ 1.42% above Missouri avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.42% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificate - 6 Months
$500
4.24%
▲ 1.36% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.36% above avgNationally 2.78%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 6 MONTHS
$2,000
4.19%
▲ 1.31% above Missouri avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.31% above avgNationally 2.78%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.19% ▲ 0.37 pts · high 4.19% / low 3.82%
- Oct 11, 20264.19%▲ from 4.08%
- Sep 27, 20264.08%▲ from 3.82%
- Sep 14, 20263.82%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 6 Month
$1,000
4.14%
▲ 1.26% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.26% above avgNationally 2.78%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 3.79% → 4.14% ▲ 0.35 pts · high 4.14% / low 3.79%
- Oct 22, 20264.14%▲ from 3.79%
- Sep 14, 20263.79%first recorded
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 or 6 Month CD
$1,000
4.10%
▲ 1.22% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 1.22% above avgNationally 2.78%
Details
Featured rate; APY accurate as of 09/15/2026; $1,000 minimum balance required to open an account and obtain the APY
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
Certificates of Deposit - 6-Month Special
$0
4.09%
▲ 1.21% above Missouri avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.88%▲ 1.21% above avgNationally 2.78%
Details
Special rate; penalty for early withdrawal applies; rates effective for a limited time only
Rate History
No change since Oct 14, 2026 · 4.09% APY · checked 3 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
6 Month Certificate of Deposit
$0
4.07%
▲ 1.19% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.19% above avgNationally 2.78%
Details
Term: 6 months to 11 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 3 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
6 Month Certificate
$500
4.07%
▲ 1.19% above Missouri avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.19% above avgNationally 2.78%
Details
90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO 64804
CD Terms - 6 Month
$0
4.07%
▲ 1.19% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.19% above avgNationally 2.78%
Details
As of 10/01/2026
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 6 Months
$500
4.07%
▲ 1.19% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.19% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Oct 10, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 6 Months
$500
4.07%
▲ 1.19% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.19% above avgNationally 2.78%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)
Rate History
1 change since Sep 27, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Oct 19, 20264.07%▲ from 3.97%
- Sep 27, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 6 Months
$500
4.06%
▲ 1.18% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.18% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.06% ▲ 0.16 pts · high 4.06% / low 3.90%
- Oct 19, 20264.06%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
6 Month CD
$1,000
4.05%
▲ 1.17% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.17% above avgNationally 2.78%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
Business CD - 6 Months
$1,000
4.05%
▲ 1.17% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.17% above avgNationally 2.78%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 6-Month
$1,000
4.05%
▲ 1.17% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.17% above avgNationally 2.78%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 8 times
Four States Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
213 Lyon St, Carthage, MO 64836
Certificate of Deposits - 6 Month CD
$0
4.01%
▲ 1.13% above Missouri avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.13% above avgNationally 2.78%
Details
Balance: $1,000 minimum
Rate History
No change since Oct 22, 2026 · 4.01% APY
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
Personal Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Minimum $1,000 required to open and obtain APY; Penalty for early withdrawal applies; APY accurate as of 5/27/26
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 6 Months
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Balance: $1,000 minimum to obtain APY
Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 10 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 6 Month
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA Certificate - 6-Month
$1,000
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Youth Certificates
$0
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
FEATURED RATE; APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 5 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates - 6 Months
$0
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
FEATURED RATE; Youth certificate for Ranger Club (0-12) and Navigator Club (13-17) members; APY includes .25% Club Benefit Earned payment, which discontinues at age 18; Early withdrawal penalty: 90 days of dividends
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$0
4.00%
▲ 1.12% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 8 times
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Account - 6 Months
$500
4.00%
▲ 1.12% above Missouri avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Traditional & Roth IRA; Dividend Rate and APY as printed in IRA Term Share Accounts table
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
MULTIPLI
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3608 W Truman Blvd, Jefferson City, MO 65109 0535
6 Month Certificate
$0
4.00%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.12% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
6 Month CD or IRA CD
$500
3.95%
▲ 1.07% above Missouri avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.88%▲ 1.07% above avgNationally 2.78%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 3.95% APY · checked 11 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
6-Month CD
$0
3.95%
▲ 1.07% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.07% above avgNationally 2.78%
Details
Minimum balance $500.
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.91%
▲ 1.03% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 1.03% above avgNationally 2.78%
Details
Balance: $25,000 and over
Rate History
No change since Oct 13, 2026 · 3.91% APY · checked 2 times
HNB National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
118 West 1st, Stanberry, MO 64489
6 Month CD
$1,000
3.90%
▲ 1.02% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 1.02% above avgNationally 2.78%
Details
Minimum balance to open is $1,000 for the 6 and 12 month CDs
Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 7 times
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
100 Circle Dr, New Haven, MO 63068
6 Month CD
$1,000
3.89%
▲ 1.01% above Missouri avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 1.01% above avgNationally 2.78%
Details
Compounded: Maturity
Rate History
No change since Sep 19, 2026 · 3.89% APY · checked 9 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 Month Term Share Certificate
$1,000
3.89%
▲ 1.01% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 1.01% above avgNationally 2.78%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 3.89% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.86%
▲ 0.98% above Missouri avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 0.98% above avgNationally 2.78%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 13, 2026 · 3.86% APY · checked 2 times
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
9750 N Ash Ave, Kansas City, MO 64157
6 Month Personal CD
$1,000
3.85%
▲ 0.97% above Missouri avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.88%▲ 0.97% above avgNationally 2.78%
Details
Balance: $0.01 minimum to obtain APY; Open Online; Rates effective as of 10/19/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
6 Month Certificate of Deposit
$1,000
3.85%
▲ 0.97% above Missouri avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 0.97% above avgNationally 2.78%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
Certificate of Deposit - 6 months
$1,000
3.85%
▲ 0.97% above Missouri avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 0.97% above avgNationally 2.78%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1000 E Main St, Park Hills, MO 63601
Certificates of Deposit - 6 MO
$1,000
3.82%
▲ 0.94% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 0.94% above avgNationally 2.78%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.82% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.81%
▲ 0.93% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 0.93% above avgNationally 2.78%
Details
Balance: $0 - $9,999
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit 6 Month
$1,000
3.80%
▲ 0.92% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Effective date 10/1/26; Substantial penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
- Oct 10, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
In-House Specials Certificate of Deposit - 6 month
$5,000
3.80%
▲ 0.92% above Missouri avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Interest on CDs accrues daily and is compounded quarterly. Early withdrawal penalty may apply.
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
Certificate Account - 6 Months
$0
3.80%
▲ 0.92% above Missouri avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.88%▲ 0.92% above avgNationally 2.78%
Details
Balance: $50,000 - $99,999; Liquid Certificate available for 6-month term; Unlimited deposits and 2 penalty-free withdrawals; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
The Hamilton Bank
Institution Rating:
B3.5 ★Texas Ratio: 3.70%
111 N Davis St, Hamilton, MO 64644
6 Month CD
$1,000
3.79%
▲ 0.91% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.88%▲ 0.91% above avgNationally 2.78%
Details
Balance: $50,000.00 and up; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 3.79% APY · checked 2 times
Missouri 12 Month CD Rates
MonitorBankRates Missouri Average · 12 Month CD3.09% APYUnchanged from last weekNational 2.99%
The average 12-month CD rate in Missouri is 3.09% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
312 W Main St, Park Hills, MO 63601 2544
Certificate of Deposit - 12 Month Youth
$100
6.14%
▲ 3.05% above Missouri avg
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 3.05% above avgNationally 2.99%
Details
Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026
Rate History
No change since Oct 14, 2026 · 6.14% APY · checked 3 times
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO 63020 1052
1 Year Certificate of Deposit
$5,000
5.09%
▲ 2.00% above Missouri avg
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 2.00% above avgNationally 2.99%
Details
$100,000.00 maximum for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; dividends paid quarterly and deposited to certificate
Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 7 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 12 Month
$7,500
4.84%
▲ 1.75% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.75% above avgNationally 2.99%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.84% APY · checked 3 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificates of Deposit
$0
4.60%
▲ 1.51% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.51% above avgNationally 2.99%
Details
APY effective 10/19/2026; interest must be paid out periodically and cannot remain on deposit
Rate History
1 change since Sep 19, 2026 · 4.30% → 4.60% ▲ 0.30 pts · high 4.60% / low 4.30%
- Oct 21, 20264.60%▲ from 4.30%
- Sep 19, 20264.30%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
12-Month IRA
$0
4.60%
▲ 1.51% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average3.09%▲ 1.51% above avgNationally 2.99%
Details
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$1,000
4.50%
▲ 1.41% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 1.41% above avgNationally 2.99%
Details
Featured rate; Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD - 12 Month Special
$1,000
4.50%
▲ 1.41% above Missouri avg
▼
Rate4.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.41% above avgNationally 2.99%
Details
Special rate applies to new money only; funds already on deposit with Paramount Bank may not be eligible; Quarterly Post or Interest Checks; interest checks reduce APY
Rate History
No change since Oct 22, 2026 · 4.50% APY
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
12 Month Share Certificates
$0
4.50%
▲ 1.41% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average3.09%▲ 1.41% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 23, 20264.50%▲ from 3.50%
- Oct 15, 20263.50%▼ from 4.50%
- Oct 14, 20264.50%▲ from 3.50%
- Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
12 Month Youth Certificates 1
$0
4.50%
▲ 1.41% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average3.09%▲ 1.41% above avgNationally 2.99%
Details
Penalties may apply for early withdrawals.
Rate History
No change since Oct 23, 2026 · 4.50% APY
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 12 Month
$0
4.40%
▲ 1.31% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.31% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - Youth 12 Month
$0
4.40%
▲ 1.31% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.31% above avgNationally 2.99%
Details
Youth account
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificate - 12 Months
$500
4.39%
▲ 1.30% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average3.09%▲ 1.30% above avgNationally 2.99%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.26% above Missouri avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 1.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
12 Month Certificate of Deposit
$0
4.33%
▲ 1.24% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.24% above avgNationally 2.99%
Details
Term: 12 months to 23 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.33% APY · checked 3 times
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO 64093
12 Month Short Term and IRA Short Term Certificates
$500
4.33%
▲ 1.24% above Missouri avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.24% above avgNationally 2.99%
Details
Rates as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.33% ▲ 1.23 pts · high 4.33% / low 3.10%
- Oct 19, 20264.33%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
4.32%
▲ 1.23% above Missouri avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average3.09%▲ 1.23% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 4.01% → 4.32% ▲ 0.31 pts · high 4.32% / low 4.01%
- Oct 21, 20264.32%▲ from 4.01%
- Sep 11, 20264.01%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
12 Month Special Certificates of Deposit
$10,000
4.25%
▲ 1.16% above Missouri avg
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 1.16% above avgNationally 2.99%
Details
Compound Method: Quarterly
Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
- Oct 7, 20264.25%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.00%
- Sep 19, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
12 Month Certificate
$500
4.25%
▲ 1.16% above Missouri avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.16% above avgNationally 2.99%
Details
90-day early withdrawal penalty
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 19, 20264.25%▲ from 4.18%
- Oct 1, 20264.18%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 1-Year
$1,000
4.25%
▲ 1.16% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.16% above avgNationally 2.99%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 6, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 12 Months
$500
4.23%
▲ 1.14% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.14% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 10, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 12 Months
$500
4.23%
▲ 1.14% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.14% above avgNationally 2.99%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)
Rate History
1 change since Sep 27, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 19, 20264.23%▲ from 4.18%
- Sep 27, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 12 Months
$500
4.22%
▲ 1.13% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.13% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.22% ▲ 0.12 pts · high 4.22% / low 4.10%
- Oct 19, 20264.22%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
950 W 92 Hwy, Kearney, MO 64060
12 Month Certificate of Deposit
$500
4.20%
▲ 1.11% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.11% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 1 year
$1,000
4.20%
▲ 1.11% above Missouri avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.11% above avgNationally 2.99%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
- Oct 22, 20264.20%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 12 MONTHS
$1,000
4.19%
▲ 1.10% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.10% above avgNationally 2.99%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.67% → 4.19% ▲ 0.52 pts · high 4.19% / low 3.67%
- Oct 11, 20264.19%▲ from 4.08%
- Sep 27, 20264.08%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
12 Month Certificate
$500
4.18%
▲ 1.09% above Missouri avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.09% above avgNationally 2.99%
Details
Certificate/IRA Dividend Rates effective October 13th 2026; 90-day early withdrawal penalty
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.18% ▲ 0.03 pts · high 4.18% / low 4.15%
- Oct 1, 20264.18%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month CD
$1,000
4.16%
▲ 1.07% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average3.09%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 3.85% → 4.16% ▲ 0.31 pts · high 4.16% / low 3.85%
- Oct 21, 20264.16%▲ from 3.85%
- Sep 11, 20263.85%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
Certificates of Deposit - 12-Month Special
$0
4.15%
▲ 1.06% above Missouri avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 1.06% above avgNationally 2.99%
Details
Special rate; penalty for early withdrawal applies; rates effective for a limited time only
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.11%
▲ 1.02% above Missouri avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.02% above avgNationally 2.99%
Details
Balance: $25,000 +
Rate History
No change since Oct 13, 2026 · 4.11% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.11%
▲ 1.02% above Missouri avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 1.02% above avgNationally 2.99%
Details
Balance: $25,000 and over
Rate History
No change since Oct 13, 2026 · 4.11% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month Short-Term Certificate
$0
4.10%
▲ 1.01% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 1.01% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
IRA 12 Month Certificate
$500
4.09%
▲ 1.00% above Missouri avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 1.00% above avgNationally 2.99%
Details
Compounds Semi-Annually
Rate History
1 change since Sep 14, 2026 · 3.94% → 4.09% ▲ 0.15 pts · high 4.09% / low 3.94%
- Oct 14, 20264.09%▲ from 3.94%
- Sep 14, 20263.94%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 Month Term Share Certificate
$1,000
4.08%
▲ 0.99% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average3.09%▲ 0.99% above avgNationally 2.99%
Details
Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
12 Month Certificate of Deposit
$0
4.07%
▲ 0.98% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 0.98% above avgNationally 2.99%
Details
Term: 12 months to 23 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 3 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Children 12 Month Certificate
$100
4.07%
▲ 0.98% above Missouri avg
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.98% above avgNationally 2.99%
Details
Children's certificate; 90-day early withdrawal penalty
Rate History
No change since Oct 19, 2026 · 4.07% APY
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
12 Month Certificate of Deposit
$0
4.06%
▲ 0.97% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average3.09%▲ 0.97% above avgNationally 2.99%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
1 change since Sep 7, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
- Oct 3, 20264.06%▲ from 3.55%
- Sep 7, 20263.55%first recorded
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
1 Year CD
$1,000
4.06%
▲ 0.97% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 9 times
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
1 Year IRA
$250
4.06%
▲ 0.97% above Missouri avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 0.97% above avgNationally 2.99%
Details
Min. Bal to Obtain APY: $0; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 5 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.06%
▲ 0.97% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.97% above avgNationally 2.99%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.06%
▲ 0.97% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.97% above avgNationally 2.99%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month Short-Term Certificate
$0
4.05%
▲ 0.96% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
12 Month CD
$1,000
4.05%
▲ 0.96% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
Business CD - 12 Months
$1,000
4.05%
▲ 0.96% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
12 Month CD or IRA CD
$500
4.05%
▲ 0.96% above Missouri avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 11 times
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 12 Months
$1,000
4.05%
▲ 0.96% above Missouri avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average3.09%▲ 0.96% above avgNationally 2.99%
Details
Balance: $1,000 minimum to obtain APY
Rate History
1 change since Sep 7, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Sep 24, 20264.05%▲ from 3.95%
- Sep 7, 20263.95%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
12 Month Certificate of Deposit
$1,000
4.01%
▲ 0.92% above Missouri avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.92% above avgNationally 2.99%
Details
Rate History
1 change since Oct 9, 2026 · 3.90% → 4.01% ▲ 0.11 pts · high 4.01% / low 3.90%
- Oct 19, 20264.01%▲ from 3.90%
- Oct 9, 20263.90%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 12 Months
$1,000
4.01%
▲ 0.92% above Missouri avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.92% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.01% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.01%
▲ 0.92% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.92% above avgNationally 2.99%
Details
Balance: $0 - $9,999
Rate History
No change since Oct 13, 2026 · 4.01% APY · checked 2 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.01%
▲ 0.92% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average3.09%▲ 0.92% above avgNationally 2.99%
Details
Balance: $0 - $9,999
Rate History
No change since Oct 13, 2026 · 4.01% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month EasyStart Certificate
$50
4.00%
▲ 0.91% above Missouri avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average3.09%▲ 0.91% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Missouri 18 Month CD Rates
MonitorBankRates Missouri Average · 18 Month CD2.84% APY▼ 0.11% from last weekNational 2.88%
The average 18-month CD rate in Missouri is 2.84% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month YOUTH Fair CD Special
$0
4.90%
▲ 2.06% above Missouri avg
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 2.06% above avgNationally 2.88%
Details
See Fair Special options; Youth Fair CD Special: individual 22 or younger with a ribbon or sash from a Missouri fair, Preferred Rate requires a Franklin Jr. Savings account (12 and under) or BFC checking account (13-22); second rate pair 4.89% / 5.00%; APY minimum balance $500.00
Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 8 times
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
Special Variable Rate IRA 18 Months
$1,000
4.54%
▲ 1.70% above Missouri avg
▼
Rate4.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.70% above avgNationally 2.88%
Details
Compound Method: Calculated Daily, Compounded Semi-annually; This rate is variable during the term; Penalties may apply for early withdrawals on IRAs
Rate History
No change since Oct 20, 2026 · 4.54% APY · checked 2 times
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
IRA 18 Month Certificate
$500
4.50%
▲ 1.66% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.66% above avgNationally 2.88%
Details
Compounds Semi-Annually
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 14, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
18-month CD
$1,000
4.45%
▲ 1.61% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.61% above avgNationally 2.88%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
950 W 92 Hwy, Kearney, MO 64060
18 Month Certificate of Deposit
$500
4.40%
▲ 1.56% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.56% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 18 Months Jumbo IRA
$100,000
4.39%
▲ 1.55% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.55% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 10, 20264.39%▲ from 4.33%
- Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 18 Months Jumbo IRA
$100,000
4.39%
▲ 1.55% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.55% above avgNationally 2.88%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)
Rate History
No change since Oct 19, 2026 · 4.39% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 18 Months Jumbo+
$100,000
4.37%
▲ 1.53% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.37% ▲ 0.12 pts · high 4.37% / low 4.25%
- Oct 19, 20264.37%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 Month Certificate
$1,000
4.35%
▲ 1.51% above Missouri avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.51% above avgNationally 2.88%
Details
Compounds Semi-Annually
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Rising CD 18-Month
$5,000
4.35%
▲ 1.51% above Missouri avg
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.51% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
- Oct 6, 20264.35%▲ from 3.05%
- Sep 24, 20263.05%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
18 Month Certificate of Deposit
$0
4.32%
▲ 1.48% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 1.48% above avgNationally 2.88%
Details
Certificate of Deposit Special; Balance: $50,000.00 or over; Rate accurate as of 10/07/2026
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 18 Months Jumbo
$10,000
4.32%
▲ 1.48% above Missouri avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20%
- Oct 19, 20264.32%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
18 Month Featured CD
$0
4.31%
▲ 1.47% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.47% above avgNationally 2.88%
Details
Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026
Rate History
No change since Oct 20, 2026 · 4.31% APY · checked 2 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional CDs - 18-Month CD
$1,000
4.25%
▲ 1.41% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Rates effective as of 10/20/2026
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
668 Broadway Ste A, Hannibal, MO 63401
Certificates of Deposit (CDs) - 18 Months
$0
4.25%
▲ 1.41% above Missouri avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.41% above avgNationally 2.88%
Details
Balance: $5,000 and over
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 18 Months
$500
4.23%
▲ 1.39% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 10, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 18 Months
$500
4.23%
▲ 1.39% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.39% above avgNationally 2.88%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)
Rate History
1 change since Sep 27, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 19, 20264.23%▲ from 4.18%
- Sep 27, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 18 Months
$500
4.22%
▲ 1.38% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.22% ▲ 0.12 pts · high 4.22% / low 4.10%
- Oct 19, 20264.22%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
100 Circle Dr, New Haven, MO 63068
18 Month CD
$500
4.20%
▲ 1.36% above Missouri avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 1.36% above avgNationally 2.88%
Details
Compounded: Semi-Annual
Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 9 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
18-Month Variable Rate IRA
$0
4.17%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.33% above avgNationally 2.88%
Details
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
18 Month Short-Term Certificate
$0
4.15%
▲ 1.31% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
18 Month CD or IRA CD
$500
4.15%
▲ 1.31% above Missouri avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 11 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
18 Month Certificate of Deposit
$1,000
4.15%
▲ 1.31% above Missouri avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Oct 9, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
- Oct 19, 20264.15%▲ from 3.95%
- Oct 9, 20263.95%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 18 Months
$1,000
4.15%
▲ 1.31% above Missouri avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
IRA CD 18 Month Variable Rate
$500
4.13%
▲ 1.29% above Missouri avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.29% above avgNationally 2.88%
Details
Variable rate; interest rate and annual percentage yield are subject to change after account opening; Rates effective as of October 06, 2026
Rate History
No change since Oct 21, 2026 · 4.13% APY · checked 2 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1000 E Main St, Park Hills, MO 63601
Certificates of Deposit - 18 MO
$1,000
4.12%
▲ 1.28% above Missouri avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 1.28% above avgNationally 2.88%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.12% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
18 Month Short-Term Certificate
$0
4.10%
▲ 1.26% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 1.26% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
18 Month Certificates of Deposit
$1,000
4.00%
▲ 1.16% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.16% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.16% above avgNationally 2.88%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO 64804 4037
18 Month CD's
$0
3.96%
▲ 1.12% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.12% above avgNationally 2.88%
Details
APY = Annual percentage yield; Rates subject to change
Rate History
No change since Oct 13, 2026 · 3.96% APY · checked 2 times
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 18 Months
$1,000
3.85%
▲ 1.01% above Missouri avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Balance: $1,000 minimum to obtain APY
Rate History
No change since Sep 7, 2026 · 3.85% APY · checked 10 times
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
In-House Specials Certificate of Deposit - 18 month
$5,000
3.85%
▲ 1.01% above Missouri avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Interest on CDs accrues daily and is compounded quarterly. Early withdrawal penalty may apply.
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
18 Month CD
$1,000
3.85%
▲ 1.01% above Missouri avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Early withdrawal penalty may apply; Certificates of Deposit require $1,000.00 minimum initial deposit; IRAs require $100.00 minimum initial deposit
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
18 Month Premier CD
$25,000
3.85%
▲ 1.01% above Missouri avg
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 9, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
Certificate of Deposit - 18 Months
$1,000
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
18 Month CD Specials - Regular
$0
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.96% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.96% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month ADVANTAGE CD/IRA
$500
3.76%
▲ 0.92% above Missouri avg
▼
Rate3.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 0.92% above avgNationally 2.88%
Details
Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Oct 7, 20263.76%▲ from 3.66%
- Sep 11, 20263.66%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
484 Nebraska Avenue, Fort Leonard Wood, MO 65473
Certificate of Deposit 18-Month
$500
3.75%
▲ 0.91% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 18 Month
$0
3.75%
▲ 0.91% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
Certificate of Deposit - 18 month
$500
3.75%
▲ 0.91% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Compounding and crediting: Semi-annually
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
18 Month EasyStart Certificate
$50
3.70%
▲ 0.86% above Missouri avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.84%▲ 0.86% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
18 Month CD Special
$1,000
3.70%
▲ 0.86% above Missouri avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 0.86% above avgNationally 2.88%
Details
Limited Time Only; Open Online
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 9 times
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
18 Months CD SPECIAL
$1,000
3.70%
▲ 0.86% above Missouri avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.84%▲ 0.86% above avgNationally 2.88%
Details
Limited Time Only special; Interest Rate: 3.65%; APY: 3.70%
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
18-Month CD
$0
3.70%
▲ 0.86% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.86% above avgNationally 2.88%
Details
Minimum balance $500.
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) - 18 months
$0
3.70%
▲ 0.86% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.84%▲ 0.86% above avgNationally 2.88%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
IRA 18 Month Fixed
$100
3.67%
▲ 0.83% above Missouri avg
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.84%▲ 0.83% above avgNationally 2.88%
Details
Certificate of deposit in an IRA; interest compounded daily; FDIC insured to $250,000
Rate History
No change since Oct 14, 2026 · 3.67% APY · checked 3 times
Missouri 24 Month CD Rates
MonitorBankRates Missouri Average · 24 Month CD2.96% APY▼ 0.07% from last weekNational 2.90%
The average 24-month CD rate in Missouri is 2.96% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
24-Month IRA
$0
4.81%
▲ 1.85% above Missouri avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.96%▲ 1.85% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 24 Month
$7,500
4.58%
▲ 1.62% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.62% above avgNationally 2.90%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 4 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificate - 24 Months
$500
4.55%
▲ 1.59% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.96%▲ 1.59% above avgNationally 2.90%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 24 Months Jumbo IRA
$100,000
4.44%
▲ 1.48% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.48% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.44% ▲ 0.05 pts · high 4.44% / low 4.39%
- Oct 10, 20264.44%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 24 Months Jumbo IRA
$100,000
4.44%
▲ 1.48% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.48% above avgNationally 2.90%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
No change since Oct 19, 2026 · 4.44% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 24 Months Jumbo+
$100,000
4.42%
▲ 1.46% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.46% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
- Oct 19, 20264.42%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
24 Month Certificate of Deposit
$0
4.39%
▲ 1.43% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.43% above avgNationally 2.90%
Details
Term: 24 months to 35 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.39% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 24 Months Jumbo
$10,000
4.37%
▲ 1.41% above Missouri avg
▼
Rate4.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.41% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.37% ▲ 0.12 pts · high 4.37% / low 4.25%
- Oct 19, 20264.37%▲ from 4.25%
- Sep 14, 20264.25%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
Performance CDs - 24 month
$0
4.35%
▲ 1.39% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.96%▲ 1.39% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 7, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
24-month CD
$1,000
4.35%
▲ 1.39% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.96%▲ 1.39% above avgNationally 2.90%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO 64093
24 Month Long Term and IRA Long Term Certificates
$500
4.33%
▲ 1.37% above Missouri avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.37% above avgNationally 2.90%
Details
Rates as of 10/15/2026
Rate History
1 change since Sep 14, 2026 · 2.85% → 4.33% ▲ 1.48 pts · high 4.33% / low 2.85%
- Oct 19, 20264.33%▲ from 2.85%
- Sep 14, 20262.85%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
24 Month Certificate of Deposit
$0
4.32%
▲ 1.36% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.36% above avgNationally 2.90%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
- Oct 3, 20264.32%▲ from 3.29%
- Sep 7, 20263.29%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 2-Year
$1,000
4.30%
▲ 1.34% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.34% above avgNationally 2.90%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
- Oct 6, 20264.30%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
24 Month Certificate of Deposit
$0
4.28%
▲ 1.32% above Missouri avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.32% above avgNationally 2.90%
Details
Term: 24 months to 35 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.28% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 24 Months
$500
4.28%
▲ 1.32% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.32% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
- Oct 10, 20264.28%▲ from 4.23%
- Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 24 Months
$500
4.28%
▲ 1.32% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.32% above avgNationally 2.90%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
1 change since Sep 27, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
- Oct 19, 20264.28%▲ from 4.23%
- Sep 27, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 24 Months
$500
4.27%
▲ 1.31% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.31% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.27% ▲ 0.12 pts · high 4.27% / low 4.15%
- Oct 19, 20264.27%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional CDs - 24-Month CD
$1,000
4.25%
▲ 1.29% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Rates effective as of 10/20/2026
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
Certificates of Deposit - 24-Month Special
$0
4.25%
▲ 1.29% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Special rate; penalty for early withdrawal applies; rates effective for a limited time only
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
4.25%
▲ 1.29% above Missouri avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 11 times
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
Certificate of Deposit - 24 Month
$0
4.25%
▲ 1.29% above Missouri avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 24 Month
$0
4.25%
▲ 1.29% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
24 Month Certificate of Deposit
$1,000
4.21%
▲ 1.25% above Missouri avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.25% above avgNationally 2.90%
Details
Rate History
1 change since Oct 9, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 19, 20264.21%▲ from 4.00%
- Oct 9, 20264.00%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 24 Months
$1,000
4.21%
▲ 1.25% above Missouri avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.25% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.21% APY · checked 2 times
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO 64012
Premier Term Share Account - 24 Months
$0
4.20%
▲ 1.24% above Missouri avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.96%▲ 1.24% above avgNationally 2.90%
Details
Balance: $100,000 - $250,000; Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.24% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.24% above avgNationally 2.90%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
24 Month Oasis Specials Certificate of Deposit
$1,000
4.16%
▲ 1.20% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.20% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 5 times
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Account - 24 Months
$500
4.15%
▲ 1.19% above Missouri avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Traditional & Roth IRA; Dividend Rate and APY as printed in IRA Term Share Accounts table
Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 2 times
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO 64012
Term Share Account - 24 Months
$0
4.15%
▲ 1.19% above Missouri avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Balance: $500 - $250,000; Term Share Accounts pay dividends Quarterly
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Oct 5, 20264.15%▲ from 3.90%
- Sep 14, 20263.90%first recorded
MULTIPLI
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
3608 W Truman Blvd, Jefferson City, MO 65109 0535
24 Month Certificate
$0
4.15%
▲ 1.19% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.15% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) - 24 months
$0
4.11%
▲ 1.15% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.15% above avgNationally 2.90%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
321 S Us Highway 169, Gower, MO 64454
Certificates of Deposit (CDs) - 2 year
$1,000
4.10%
▲ 1.14% above Missouri avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.14% above avgNationally 2.90%
Details
Rates effective as of 10/06/2026; Penalty for early withdrawal; Fees may reduce earnings
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
24 Month Business Share Certificate
$500
4.10%
▲ 1.14% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.14% above avgNationally 2.90%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
24 Month Share Certificate
$500
4.10%
▲ 1.14% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.14% above avgNationally 2.90%
Details
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 4 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 24 MONTHS
$1,000
4.08%
▲ 1.12% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.12% above avgNationally 2.90%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.67% → 4.08% ▲ 0.41 pts · high 4.08% / low 3.67%
- Oct 11, 20264.08%▲ from 3.87%
- Sep 27, 20263.87%▲ from 3.67%
- Sep 14, 20263.67%first recorded
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
In-House Specials Certificate of Deposit - 24 month
$5,000
4.06%
▲ 1.10% above Missouri avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.10% above avgNationally 2.90%
Details
Interest on CDs accrues daily and is compounded quarterly. Early withdrawal penalty may apply.
Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 2 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
4.06%
▲ 1.10% above Missouri avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.10% above avgNationally 2.90%
Details
Rate History
1 change since Sep 11, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 21, 20264.06%▲ from 3.80%
- Sep 11, 20263.80%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO 64804 4037
24 Month CD's
$0
4.06%
▲ 1.10% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.10% above avgNationally 2.90%
Details
APY = Annual percentage yield; Rates subject to change
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
24 Month CD
$1,000
4.05%
▲ 1.09% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
Business CD - 24 Months
$1,000
4.05%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.09% above avgNationally 2.90%
Details
Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 18-60 Month CD - 6 Month Interest Penalty; CD APY accurate as of 07/20/26
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
24-Month CD
$0
4.01%
▲ 1.05% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.05% above avgNationally 2.90%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 9 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 Month Certificate of Deposit
$1,000
4.01%
▲ 1.05% above Missouri avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.05% above avgNationally 2.90%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
Certificate of Deposit - 24 months
$1,000
4.01%
▲ 1.05% above Missouri avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.05% above avgNationally 2.90%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 4.01% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificate of Deposit - 24 Month
$1,000
4.00%
▲ 1.04% above Missouri avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 24 Month
$1,000
4.00%
▲ 1.04% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts - 24-Month
$1,000
4.00%
▲ 1.04% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA Certificate - 24-Month
$1,000
4.00%
▲ 1.04% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Certificates of Deposit (CD) - 24 months
$0
4.00%
▲ 1.04% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.96%▲ 1.04% above avgNationally 2.90%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
24 Month Certificate
$0
3.97%
▲ 1.01% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.01% above avgNationally 2.90%
Details
Preferred Rate with any checking account; second rate pair 4.00% / 4.07% (columns not separately labeled); APY minimum balance $500.00
Rate History
No change since Sep 11, 2026 · 3.97% APY · checked 8 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
2 Year Traditional & Roth IRA Certificate
$1,000
3.96%
▲ 1.00% above Missouri avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.96%▲ 1.00% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 2 times
Missouri 36 Month CD Rates
MonitorBankRates Missouri Average · 36 Month CD2.73% APY▼ 0.08% from last weekNational 2.81%
The average 36-month CD rate in Missouri is 2.73% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificate - 36 Months
$500
4.71%
▲ 1.98% above Missouri avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.73%▲ 1.98% above avgNationally 2.81%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 36 Month
$7,500
4.58%
▲ 1.85% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.85% above avgNationally 2.81%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 4 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 36 Months Jumbo IRA
$100,000
4.54%
▲ 1.81% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.81% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 36 Months Jumbo IRA
$100,000
4.54%
▲ 1.81% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.81% above avgNationally 2.81%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
No change since Oct 19, 2026 · 4.54% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 36 Months Jumbo+
$100,000
4.52%
▲ 1.79% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.79% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
36 Month Certificate of Deposit
$0
4.49%
▲ 1.76% above Missouri avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.76% above avgNationally 2.81%
Details
Term: 36 months to 47 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.49% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 36 Months Jumbo
$10,000
4.47%
▲ 1.74% above Missouri avg
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.74% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.47% ▲ 0.22 pts · high 4.47% / low 4.25%
- Oct 19, 20264.47%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
1650 N Kingshighway St, Cape Girardeau, MO 63701
36-Month CD
$0
4.40%
▲ 1.67% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.73%▲ 1.67% above avgNationally 2.81%
Details
Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
36 Month Certificate of Deposit
$0
4.39%
▲ 1.66% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.66% above avgNationally 2.81%
Details
Term: 36 months to 47 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.39% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 36 Months
$500
4.39%
▲ 1.66% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.66% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23%
- Oct 10, 20264.39%▲ from 4.23%
- Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 36 Months
$500
4.39%
▲ 1.66% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.66% above avgNationally 2.81%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
1 change since Sep 27, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23%
- Oct 19, 20264.39%▲ from 4.23%
- Sep 27, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 36 Months
$500
4.37%
▲ 1.64% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.64% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.37% ▲ 0.22 pts · high 4.37% / low 4.15%
- Oct 19, 20264.37%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
4.35%
▲ 1.62% above Missouri avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.73%▲ 1.62% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 11 times
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
36 Month Certificate of Deposit
$0
4.32%
▲ 1.59% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.73%▲ 1.59% above avgNationally 2.81%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
- Oct 3, 20264.32%▲ from 3.29%
- Sep 7, 20263.29%first recorded
United Bank of Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.38%
15 E Main St, Union, MO 63084
Certificate of Deposit - 36 Month Special
$0
4.30%
▲ 1.57% above Missouri avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.57% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 22, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 36 Month
$0
4.25%
▲ 1.52% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.52% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.47% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.47% above avgNationally 2.81%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
3 Year Long-Term Certificate
$0
4.15%
▲ 1.42% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
36-Month CD
$0
4.15%
▲ 1.42% above Missouri avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 9 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificate of Deposit - 36 Month
$1,000
4.15%
▲ 1.42% above Missouri avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 36 Month
$1,000
4.15%
▲ 1.42% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15%
▲ 1.42% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA Certificate - 36-Month
$1,000
4.15%
▲ 1.42% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) - 36 months
$0
4.11%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.38% above avgNationally 2.81%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
3 Year Long-Term Certificate
$0
4.10%
▲ 1.37% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 36 MONTHS
$1,000
4.08%
▲ 1.35% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.35% above avgNationally 2.81%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 11, 20264.08%▲ from 3.87%
- Sep 27, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
4.06%
▲ 1.33% above Missouri avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.73%▲ 1.33% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 21, 20264.06%▲ from 3.91%
- Sep 11, 20263.91%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Certificates of Deposit (CD) - 36 months
$0
4.00%
▲ 1.27% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.27% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
36 Month CD
$1,000
3.96%
▲ 1.23% above Missouri avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.23% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; Certificates of Deposit require $1,000.00 minimum initial deposit; IRAs require $100.00 minimum initial deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 3 year
$1,000
3.95%
▲ 1.22% above Missouri avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.22% above avgNationally 2.81%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 22, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.91%
▲ 1.18% above Missouri avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.73%▲ 1.18% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
- Oct 21, 20263.91%▲ from 3.75%
- Sep 11, 20263.75%first recorded
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
Certificates of Deposit - 3 year
$500
3.91%
▲ 1.18% above Missouri avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.91% APY · checked 2 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
IRA 3 Year Certificate
$500
3.91%
▲ 1.18% above Missouri avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.91% APY
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month ADVANTAGE CD/IRA
$500
3.85%
▲ 1.12% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.73%▲ 1.12% above avgNationally 2.81%
Details
Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76%
- Oct 7, 20263.85%▲ from 3.76%
- Sep 11, 20263.76%first recorded
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
36 Month Business Share Certificate
$500
3.85%
▲ 1.12% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.12% above avgNationally 2.81%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
36 Month Share Certificate
$500
3.85%
▲ 1.12% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 4 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit 36 Month
$1,000
3.80%
▲ 1.07% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.07% above avgNationally 2.81%
Details
Effective date 10/1/26; Substantial penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 Month Certificate of Deposit
$1,000
3.80%
▲ 1.07% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.07% above avgNationally 2.81%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
Certificate of Deposit - 36 months
$1,000
3.80%
▲ 1.07% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.73%▲ 1.07% above avgNationally 2.81%
Details
APY accurate as of 10/01/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit - 36 Months
$1,000
3.80%
▲ 1.07% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.07% above avgNationally 2.81%
Details
Interest paid quarterly; Without a Century checking account, subtract .10%
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 9, 20263.80%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 3 Year
$0
3.75%
▲ 1.02% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 1.02% above avgNationally 2.81%
Details
Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.97% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.73%▲ 0.97% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
36 Month Certificate of Deposit
$0
3.70%
▲ 0.97% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Oct 9, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 19, 20263.70%▲ from 3.55%
- Oct 9, 20263.55%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 36 Months
$0
3.70%
▲ 0.97% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.97% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
36 Month Certificate
$500
3.67%
▲ 0.94% above Missouri avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.94% above avgNationally 2.81%
Details
90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.67% APY · checked 2 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month CD/IRA
$500
3.60%
▲ 0.87% above Missouri avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.73%▲ 0.87% above avgNationally 2.81%
Details
Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51%
- Oct 7, 20263.60%▲ from 3.51%
- Sep 11, 20263.51%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
36 Month Certificate of Deposit
$1,000
3.60%
▲ 0.87% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.87% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; Personal & Business; up to 3.60% APY for this term; Penalty may apply for early withdrawal
Rate History
1 change since Oct 9, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
- Oct 19, 20263.60%▼ from 4.00%
- Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$1,000
3.60%
▲ 0.87% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.87% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 3 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60%
▲ 0.87% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.87% above avgNationally 2.81%
Details
$50,000; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 36-Month IRA
$0
3.56%
▲ 0.83% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.73%▲ 0.83% above avgNationally 2.81%
Details
Balance: $25,000 +
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Missouri 48 Month CD Rates
MonitorBankRates Missouri Average · 48 Month CD2.79% APY▼ 0.06% from last weekNational 2.81%
The average 48-month CD rate in Missouri is 2.79% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 48 Months Jumbo IRA
$100,000
5.01%
▲ 2.22% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.65% → 5.01% ▲ 0.36 pts · high 5.01% / low 4.65%
- Oct 14, 20265.01%▲ from 4.65%
- Sep 14, 20264.65%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 48 Months Jumbo IRA
$100,000
5.01%
▲ 2.22% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.22% above avgNationally 2.81%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
No change since Oct 19, 2026 · 5.01% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 48 Months Jumbo+
$100,000
4.99%
▲ 2.20% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.20% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.99% ▲ 0.44 pts · high 4.99% / low 4.55%
- Oct 19, 20264.99%▲ from 4.55%
- Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 48 Months Jumbo
$10,000
4.94%
▲ 2.15% above Missouri avg
▼
Rate4.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.15% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.94% ▲ 0.44 pts · high 4.94% / low 4.50%
- Oct 19, 20264.94%▲ from 4.50%
- Sep 14, 20264.50%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 48 Months
$500
4.85%
▲ 2.06% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.06% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.85% ▲ 0.36 pts · high 4.85% / low 4.49%
- Oct 14, 20264.85%▲ from 4.49%
- Sep 14, 20264.49%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 48 Months
$500
4.85%
▲ 2.06% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.06% above avgNationally 2.81%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
1 change since Sep 27, 2026 · 4.49% → 4.85% ▲ 0.36 pts · high 4.85% / low 4.49%
- Oct 19, 20264.85%▲ from 4.49%
- Sep 27, 20264.49%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 48 Months
$500
4.84%
▲ 2.05% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 2.05% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.84% ▲ 0.44 pts · high 4.84% / low 4.40%
- Oct 19, 20264.84%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
48 Month Certificate of Deposit
$0
4.59%
▲ 1.80% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.80% above avgNationally 2.81%
Details
Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 48 Month
$7,500
4.58%
▲ 1.79% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.79% above avgNationally 2.81%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 4 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
48 Month Certificate of Deposit
$0
4.49%
▲ 1.70% above Missouri avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.70% above avgNationally 2.81%
Details
Term: 48 months to 59 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.49% APY · checked 3 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.42%
▲ 1.63% above Missouri avg
▼
Rate4.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.63% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 4.32% → 4.42% ▲ 0.10 pts · high 4.42% / low 4.32%
- Oct 21, 20264.42%▲ from 4.32%
- Sep 11, 20264.32%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40%
▲ 1.61% above Missouri avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.79%▲ 1.61% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 11 times
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
Certificate of Deposit - 48 Month
$0
4.25%
▲ 1.46% above Missouri avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.46% above avgNationally 2.81%
Details
Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 48 Month
$0
4.25%
▲ 1.46% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.36% above Missouri avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.36% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 48 Month
$1,000
4.15%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.36% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.36% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.36% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 2 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 48 MONTHS
$1,000
4.08%
▲ 1.29% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.29% above avgNationally 2.81%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Oct 11, 20264.08%▲ from 3.87%
- Sep 27, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$50,000
4.06%
▲ 1.27% above Missouri avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.27% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 21, 20264.06%▲ from 3.96%
- Sep 11, 20263.96%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month ADVANTAGE CD/IRA
$500
3.96%
▲ 1.17% above Missouri avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.17% above avgNationally 2.81%
Details
Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
- Oct 7, 20263.96%▲ from 3.85%
- Sep 11, 20263.85%first recorded
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
48 Month CD
$1,000
3.96%
▲ 1.17% above Missouri avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.17% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; Certificates of Deposit require $1,000.00 minimum initial deposit; IRAs require $100.00 minimum initial deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 4 year
$1,000
3.95%
▲ 1.16% above Missouri avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 1.16% above avgNationally 2.81%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 22, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
48 Month Business Share Certificate
$500
3.95%
▲ 1.16% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.16% above avgNationally 2.81%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
48 Month Share Certificate
$500
3.95%
▲ 1.16% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.91%
▲ 1.12% above Missouri avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
- Oct 21, 20263.91%▲ from 3.80%
- Sep 11, 20263.80%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Premium Certificates of Deposit (CD)
$0
3.90%
▲ 1.11% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.11% above avgNationally 2.81%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit - 48 Months
$1,000
3.85%
▲ 1.06% above Missouri avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.06% above avgNationally 2.81%
Details
Interest paid quarterly; Without a Century checking account, subtract .10%
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 9, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit 48 Month
$1,000
3.80%
▲ 1.01% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 1.01% above avgNationally 2.81%
Details
Effective date 10/1/26; Substantial penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Certificates of Deposit - 48 Month
$0
3.80%
▲ 1.01% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.79%▲ 1.01% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
48 Month Certificate of Deposit
$0
3.80%
▲ 1.01% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 1.01% above avgNationally 2.81%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
1 change since Sep 7, 2026 · 3.29% → 3.80% ▲ 0.51 pts · high 3.80% / low 3.29%
- Oct 3, 20263.80%▲ from 3.29%
- Sep 7, 20263.29%first recorded
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2130 Jefferson ST Ste A, Kansas City, MO 64108
48 Month Share Certificate of Deposit
$0
3.75%
▲ 0.96% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Missouri Average2.79%▲ 0.96% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Month Certificate of Deposit
$1,000
3.75%
▲ 0.96% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.96% above avgNationally 2.81%
Details
Rate History
1 change since Oct 9, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 19, 20263.75%▲ from 3.65%
- Oct 9, 20263.65%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 48 Months
$1,000
3.75%
▲ 0.96% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.96% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 4 Year
$0
3.75%
▲ 0.96% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.96% above avgNationally 2.81%
Details
Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month CD/IRA
$500
3.70%
▲ 0.91% above Missouri avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.79%▲ 0.91% above avgNationally 2.81%
Details
Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply
Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
- Oct 7, 20263.70%▲ from 3.60%
- Sep 11, 20263.60%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) - 48 months
$0
3.70%
▲ 0.91% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.91% above avgNationally 2.81%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
48 Month Certificate
$500
3.67%
▲ 0.88% above Missouri avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.88% above avgNationally 2.81%
Details
90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.67% APY · checked 2 times
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
Certificate of Deposit - 48 Months
$1,000
3.65%
▲ 0.86% above Missouri avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.79%▲ 0.86% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 2 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$0
3.60%
▲ 0.81% above Missouri avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 0.81% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 48 Month
$1,000
3.60%
▲ 0.81% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.81% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$100,000
3.60%
▲ 0.81% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 0.81% above avgNationally 2.81%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Certificates of Deposit (CD) - 48 months
$0
3.60%
▲ 0.81% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.81% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
48 Month Certificate of Deposit
$0
3.56%
▲ 0.77% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 0.77% above avgNationally 2.81%
Details
Term: 48 months to 59 months; Balance: $500.00 to $9,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 48 Month
$1,000
3.55%
▲ 0.76% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
CD 48 month
$1,000
3.55%
▲ 0.76% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Minimum Deposit $1,000; Certificate dividends paid monthly; Rates accurate as of 08/01/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
533 Campbell St, Kansas City, MO 64106 1274
Certificate of Deposit - 48 Month
$1,000
3.55%
▲ 0.76% above Missouri avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$50,000
3.55%
▲ 0.76% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 3 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
Certificate of Deposit - 48 month
$500
3.55%
▲ 0.76% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Compounding and crediting: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
48 Month Jumbo CD
$50,000
3.55%
▲ 0.76% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.79%▲ 0.76% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Missouri 60 Month CD Rates
MonitorBankRates Missouri Average · 60 Month CD2.89% APY▼ 0.04% from last weekNational 2.92%
The average 60-month CD rate in Missouri is 2.89% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
60 Month Certificate of Deposit
$0
4.70%
▲ 1.81% above Missouri avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.81% above avgNationally 2.92%
Details
Balance: $100,000.00 and over; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.70% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 60 Months Jumbo IRA
$100,000
4.70%
▲ 1.81% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.81% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
- Oct 10, 20264.70%▲ from 4.54%
- Sep 14, 20264.54%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 60 Months Jumbo IRA
$100,000
4.70%
▲ 1.81% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.81% above avgNationally 2.92%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
No change since Oct 19, 2026 · 4.70% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 60 Months Jumbo+
$100,000
4.68%
▲ 1.79% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.79% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
- Oct 19, 20264.68%▲ from 4.45%
- Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 60 Months Jumbo
$10,000
4.63%
▲ 1.74% above Missouri avg
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.74% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40%
- Oct 19, 20264.63%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
60 Month Certificate of Deposit
$0
4.59%
▲ 1.70% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.70% above avgNationally 2.92%
Details
Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
75th Anniversary Certificates of Deposit 60 Month
$7,500
4.58%
▲ 1.69% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.69% above avgNationally 2.92%
Details
Effective date 10/1/26
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 4 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificate - 60 Months
$500
4.54%
▲ 1.65% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.65% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA Certificate - 60 Months
$500
4.54%
▲ 1.65% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.65% above avgNationally 2.92%
Details
Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded); rate bump-up available
Rate History
1 change since Sep 27, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 19, 20264.54%▲ from 4.39%
- Sep 27, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
Certificates (CDs) - 60 Months
$500
4.52%
▲ 1.63% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
60 Month CD or IRA CD
$500
4.45%
▲ 1.56% above Missouri avg
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.89%▲ 1.56% above avgNationally 2.92%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 11 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
60 Month Certificate
$0
4.34%
▲ 1.45% above Missouri avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 1.45% above avgNationally 2.92%
Details
Preferred Rate with any checking account; second rate pair 4.36% / 4.45% (columns not separately labeled); APY minimum balance $500.00
Rate History
No change since Sep 11, 2026 · 4.34% APY · checked 8 times
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
318 W Main St, Sullivan, MO 63080
Certificates of Deposit - 60 Months Special
$1,000
4.30%
▲ 1.41% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.89%▲ 1.41% above avgNationally 2.92%
Details
Special CD; Click to Open CD; Available as IRA in Branch; APY accurate as of May 19, 2026; interest compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
393 Ne 94th St, Kansas City, MO 64155
60-Month CD
$0
4.30%
▲ 1.41% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 1.41% above avgNationally 2.92%
Details
Featured rate; Open online or at any CapFed branch
Rate History
No change since Oct 21, 2026 · 4.30% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.36% above Missouri avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.36% above avgNationally 2.92%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 60 Month
$1,000
4.25%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.36% above avgNationally 2.92%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.36% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA Certificate - 60-Month
$1,000
4.25%
▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.36% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 60 Month
$0
4.25%
▲ 1.36% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.36% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
4.16%
▲ 1.27% above Missouri avg
▼
Rate4.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 1.27% above avgNationally 2.92%
Details
Rate History
1 change since Sep 11, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 21, 20264.16%▲ from 4.06%
- Sep 11, 20264.06%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
Certificates of Deposit - 60 MONTHS
$1,000
4.08%
▲ 1.19% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.19% above avgNationally 2.92%
Details
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
- Sep 27, 20264.08%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
4.06%
▲ 1.17% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 1.17% above avgNationally 2.92%
Details
Rate History
1 change since Sep 11, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 21, 20264.06%▲ from 3.96%
- Sep 11, 20263.96%first recorded
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
Certificates of Deposit - 5 year
$500
4.06%
▲ 1.17% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.17% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 2 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month ADVANTAGE CD/IRA
$500
4.01%
▲ 1.12% above Missouri avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 1.12% above avgNationally 2.92%
Details
Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 7, 20264.01%▲ from 3.91%
- Sep 11, 20263.91%first recorded
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
60 Month CD
$1,000
3.96%
▲ 1.07% above Missouri avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.07% above avgNationally 2.92%
Details
Early withdrawal penalty may apply; Certificates of Deposit require $1,000.00 minimum initial deposit; IRAs require $100.00 minimum initial deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs - 5 year
$1,000
3.95%
▲ 1.06% above Missouri avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 1.06% above avgNationally 2.92%
Details
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.95% ▲ 0.95 pts · high 3.95% / low 3.00%
- Oct 22, 20263.95%▲ from 3.00%
- Sep 14, 20263.00%first recorded
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
60 Month Business Share Certificate
$500
3.95%
▲ 1.06% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.06% above avgNationally 2.92%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
CommunityAmerica Credit Union
6390 N Cosby Ave, Kansas City, MO 64151
60 Month Share Certificate
$500
3.95%
▲ 1.06% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.06% above avgNationally 2.92%
Details
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
5 Year Long-Term Certificate
$0
3.90%
▲ 1.01% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.89%▲ 1.01% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Certificates of Deposit - 60 Month
$0
3.90%
▲ 1.01% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.89%▲ 1.01% above avgNationally 2.92%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit - 60 Months
$1,000
3.90%
▲ 1.01% above Missouri avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 1.01% above avgNationally 2.92%
Details
Interest paid quarterly; Without a Century checking account, subtract .10%
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 9, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
5 Year Long-Term Certificate
$0
3.85%
▲ 0.96% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Missouri Average2.89%▲ 0.96% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit 60 Month
$1,000
3.80%
▲ 0.91% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.91% above avgNationally 2.92%
Details
Effective date 10/1/26; Substantial penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
60 Month Certificate of Deposit
$0
3.80%
▲ 0.91% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 0.91% above avgNationally 2.92%
Details
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 8 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Month Certificate of Deposit
$1,000
3.80%
▲ 0.91% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.91% above avgNationally 2.92%
Details
Rate History
1 change since Oct 9, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 19, 20263.80%▲ from 3.70%
- Oct 9, 20263.70%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 60 Months
$1,000
3.80%
▲ 0.91% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.91% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month CD/IRA
$500
3.75%
▲ 0.86% above Missouri avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Missouri Average2.89%▲ 0.86% above avgNationally 2.92%
Details
Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply
Rate History
1 change since Sep 11, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.75%▲ from 3.65%
- Sep 11, 20263.65%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 5 Year
$0
3.75%
▲ 0.86% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.86% above avgNationally 2.92%
Details
Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.81% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.81% above avgNationally 2.92%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1522 Main St, Unionville, MO 63565
60 Month Certificate of Deposit
$0
3.66%
▲ 0.77% above Missouri avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 0.77% above avgNationally 2.92%
Details
Balance: $500.00 to $9,999.99; Rates as of September 18, 2026
Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 3 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66%
▲ 0.77% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.77% above avgNationally 2.92%
Details
$50,000; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$100,000
3.65%
▲ 0.76% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 0.76% above avgNationally 2.92%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 3 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
60-Month CD
$0
3.60%
▲ 0.71% above Missouri avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 0.71% above avgNationally 2.92%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 60 Month
$1,000
3.60%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.71% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$50,000
3.60%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Missouri Average2.89%▲ 0.71% above avgNationally 2.92%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
60 Month Jumbo CD
$50,000
3.60%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.71% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) - 60 months
$0
3.60%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.71% above avgNationally 2.92%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 60 Month
$1,000
3.55%
▲ 0.66% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.66% above avgNationally 2.92%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
CD 60 month
$1,000
3.55%
▲ 0.66% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.66% above avgNationally 2.92%
Details
Minimum Deposit $1,000; Certificate dividends paid monthly; Rates accurate as of 08/01/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Build a Certificate of Deposit
$0
3.55%
▲ 0.66% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Missouri Average2.89%▲ 0.66% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Missouri CD Rate Trends
Compare local Missouri CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MO Avg
3.086%
▼ 0.004 vs 7 days ago
Missouri 12-month CD rates fell 0.004 points over the past 7 days to 3.086% APY.
6-Month CD MO Avg
2.880%
▼ 0.033 vs 7 days ago
Missouri 6-month CD rates fell 0.033 points over the past 7 days to 2.880% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
3.086%
6-Month Forecast
3.086%
Range: 2.89%, 3.24%
12-Month Forecast
3.336%
Range: 3.14%, 3.49%
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 | 1.842% | $92.10 | $184.20 | $460.50 | $921.00 |
| 6-Month CD | 2.880% | $143.99 | $287.98 | $719.95 | $1,439.90 |
| 12-Month CD | 3.086% | $154.31 | $308.62 | $771.55 | $1,543.10 |
| 18-Month CD | 2.845% | $142.25 | $284.49 | $711.22 | $1,422.45 |
| 24-Month CD | 2.963% | $148.16 | $296.31 | $740.78 | $1,481.55 |
| 36-Month CD | 2.733% | $136.66 | $273.31 | $683.28 | $1,366.55 |
| 48-Month CD | 2.789% | $139.45 | $278.90 | $697.25 | $1,394.50 |
| 60-Month CD | 2.893% | $144.64 | $289.28 | $723.20 | $1,446.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.842% | $92.10 |
| 2 | 6-Month CD | $5,000 | 2.880% | $143.99 |
| 3 | 12-Month CD | $5,000 | 3.086% | $154.31 |
| 4 | 24-Month CD | $5,000 | 2.963% | $148.16 |
| 5 | 36-Month CD | $5,000 | 2.733% | $136.66 |
| Total ($25,000 invested) | $25,000 | 2.701% blended | $675.22/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.
Powered byMonitorBankRates
1,478
CD Rates
Tracked in Missouri
Tracked in Missouri
85 Banks
57 Credit Unions
About Our Missouri CD Rate Database
MonitorBankRates tracks 1,478 CD rates from 85 banks and 57 credit unions with locations in Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 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: Century Credit Union offers a CD at 10.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Missouri.
How to Find the Best CD Rates in Missouri
What to compare when shopping for a CD in Missouri
To find the best APYs in Missouri, start with credit unions and online-only banks: Missouri has 57 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Missouri
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Missouri: 142 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Missouri savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$132/yr
At MO 12-mo avg 3.086% 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 3.086%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $132 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 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 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 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 Missouri as everywhere in the U.S.
Choosing a CD Term in 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 Missouri savers easier access to their funds. For example, Century Credit Union is offering its 6 Month Teen CD at 10.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Putnam County State Bank is offering its 60 Month Certificate of Deposit at 4.70% 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 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 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 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 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 Missouri
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Missouri
Are CD rates in Missouri FDIC insured?
Yes, most established banks in Missouri are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Missouri?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Missouri.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Missouri may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Missouri?
Here are recent top rates found for this area:
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- Southeast Missouri Community Credit Union: 6.14% APY (Certificate of Deposit - 12 Month Youth)
- De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
- MECE Credit Union: 5.01% APY (IRA & HSA Certificate - 48 Months Jumbo IRA)
- Bank of Franklin County: 4.90% APY (18 Month YOUTH Fair CD Special)
- Members 1st Credit Union Saint Louis, MO: 4.84% APY (75th Anniversary Certificates of Deposit 12 Month)
- National Police Federal Credit Union: 4.81% APY (24-Month IRA)
- Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates)
- Putnam County State Bank: 4.70% APY (60 Month Certificate of Deposit)
- Edward Jones Trust Company: 4.60% APY (1 Year FDIC-Insured Certificates of Deposit)
Rates reflect recent verified offers available in Missouri. Last Updated: October 23, 2026
Missouri CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Missouri
Missouri CD Calculator
At today’s MO top rate of 10.00% APY, a $10,000 deposit earns $1,000 in the first year. Enter your amount to see your exact return.
Missouri CD LadderMO CD rates currently range from 1.842% (3-month) to 2.733% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Missouri CD at 10.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 3.086% 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 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 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 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: October 23, 2026
Cities in Missouri
Rate Assistant
MonitorBankRates.com · Live Data
Try asking