Missouri Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Missouri CD rates include De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit Union2082 Rock Rd, De Soto, MO 63020 1052A+5.0 ★Texas Ratio: 5.23%Real return: +2.29%APY minus CPI (February 2026) offering 1 year Certificate of Deposit at 5.09% APY, Bank of Franklin CountyBank of Franklin County900 E 8th St, Washington, MO 63090A+5.0 ★Texas Ratio: 3.97%Real return: +2.20%APY minus CPI (February 2026) offering 18 Month YOUTH Fair CD Special at 5.00% APY, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.37%Real return: +1.85%APY minus CPI (February 2026) offering 48 Months Jumbo IRA at 4.65% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +1.85%APY minus CPI (February 2026) offering 5-year CD at 4.65% APY, and Community Bank of MarshallCommunity Bank of Marshall227 N Lafayette St, Corder, MO 64021A+5.0 ★Texas Ratio: 5.27%Real return: +1.70%APY minus CPI (February 2026) offering 18 MONTHS IRA at 4.50% APY. CD rates as of September 9, 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 5.09% APY from De Soto Mo Pac Credit Union at 2082 Rock Rd, De Soto, MO 63020 1052. 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: September 9, 2026
Compare Best CD Rates in Missouri
Missouri 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 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
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3570 S National Ave, Springfield, MO 65807
3 Month Certificate
$0
4.05%
▲ 2.06% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 2.06% above avg
Details
Compounding: At maturity; Availability: Open Online
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 Month
$0
4.01%
▲ 2.02% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 2.02% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
3-Month CD
$500
3.90%
▲ 1.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.91% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-month CD
$0
3.85%
▲ 1.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.86% above avg
Details
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%
▲ 1.86% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 1.86% above avg
Details
Interest paid at term or maturity of CD
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
3 Month Share Certificate
$500
3.75%
▲ 1.76% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.76% above avg
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$0
3.75%
▲ 1.76% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.76% above avg
Details
Minimum balance required to earn dividend
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
3.75%
▲ 1.76% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.76% above avg
Details
Preferred Rate with any checking account
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%
▲ 1.66% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.66% above avg
Details
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%
▲ 1.66% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.66% above avg
Details
Preferred Rate with any checking account
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
3 Month Certificate
$5,000
3.56%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Month Certificate
$500
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months Jumbo IRA
$100,000
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 3 Months Jumbo IRA
$100,000
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 3 Months
$500
3.56%
▲ 1.57% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
3 Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Annual Percentage Yield
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Month Certificate
$500
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.56% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
3 Month Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.56% above avg
Details
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
$0
3.51%
▲ 1.52% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.52% above avg
Details
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
3 Month CD
$1,000
3.40%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.41% above avg
Details
In Branch; $1,000 minimum opening deposit
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month CD/IRA
$0
3.25%
▲ 1.26% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.26% above avg
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1002 Swift Ave, North Kansas City, MO 64116 4128
3 Month Certificate
$0
3.03%
▲ 1.04% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.04% above avg
Details
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
130 E Main St, Adrian, MO 64720
3 Month Certificate
$0
3.02%
▲ 1.03% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.03% above avg
Details
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
917 1st St, Kennett, MO 63857
3 Month Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.01% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 90 Day Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.01% above avg
Details
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.88%
▲ 0.89% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.89% above avg
Details
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.83%
▲ 0.84% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.84% above avg
Details
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.78%
▲ 0.79% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.79% above avg
Details
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%
▲ 0.79% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.79% above avg
Details
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
916 N Kings Hwy, Perryville, MO 63775
3 Month CD
$500
2.69%
▲ 0.70% above national avg
▼
Rate2.66%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.70% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
3 Month IRA Certificate
$1,000
2.52%
▲ 0.53% above national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.53% above avg
Details
Maturity
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
100 E 20th St, Kansas City, MO 64108
3 Month Certificate
$1,000
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 0.51% above avg
Details
CD Only
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
3 Month Certificate
$1,000
2.15%
▲ 0.16% above national avg
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.16% above avg
Details
Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1601 S Limit Ave, Sedalia, MO 65301
3 Month
$1,000
2.02%
▲ 0.03% above national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.03% above avg
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
931 State Highway 248, Branson, MO 65616
3 Month CD
$1,000
2.02%
▲ 0.03% above national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.03% above avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
3 Month Certificate
$0
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.01% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
3-Month CD
$0
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.01% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
206 N 5th St, St Charles, MO 63301
3 Month Certificate
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
206 N 5th St, St Charles, MO 63301
3-month IRA Certificate
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
206 N 5th St, St Charles, MO 63301
IRA Certificate of Deposit - 3-month
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3309 Miller St, Bethany, MO 64424
90-day CD
$0
1.51%
▼ 0.48% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.48% below avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
3-Month CD
$0
1.50%
▼ 0.49% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 0.49% below avg
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
400 S Main St, Palmyra, MO 63461
3 Month Certificate
$2,500
1.16%
▼ 0.83% below national avg
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 0.83% below avg
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO 65265 2014
3 Month Certificate
$0
1.10%
▼ 0.89% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.89% below avg
Details
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO 63385 3868
3 month
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.99% below avg
Details
FCNB Bank
Institution Rating:
C+3.0 ★Texas Ratio: 0.44%
402 W Main St, Steelville, MO 65565
3 Month Certificate
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.99% below avg
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
121 E Main St, Cole Camp, MO 65325
3 Month CD
$0
1.00%
▼ 0.99% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 0.99% below avg
Details
Midwest BankCentre
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional 3-Month CD
$1,000
1.00%
▼ 0.99% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 0.99% below avg
Details
Traditional CDs
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
688 Salt Lick Rd, Saint Peters, MO 63376
3 Month Certificate
$1,000
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.49% below avg
Details
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
14 - 90 Days
$1,000
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.49% below avg
Details
Missouri 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 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
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
6 Month Certificate
$0
4.20%
▲ 1.53% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.53% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
3721 E Battlefield St, Springfield, MO 65809
6 Month Certificate
$1,000
4.05%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.38% above avg
Details
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Monthly dividends Rollover at maturity
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.33% above avg
Details
$500+
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.33% above avg
Details
Minimum balance required to earn dividend
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6-month CD
$0
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.33% above avg
Details
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%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.33% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Month Certificate
$500
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.30% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo IRA
$100,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.30% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 6 Months Jumbo IRA
$100,000
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.30% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months
$500
3.97%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.30% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Month Certificate
$500
3.96%
▲ 1.29% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.29% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
6-Month CD
$500
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.28% above avg
Details
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%
▲ 1.28% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.28% above avg
Details
Interest paid quarterly
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
CD - Certificates of Deposit 6 Month
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 months
$0
3.89%
▲ 1.22% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.22% above avg
Details
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%
▲ 1.22% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.22% above avg
Details
NBKC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
9750 N Ash Ave, Kansas City, MO 64157
6 month Personal CD
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Open Online
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 or 6 Month CD
$0
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.18% above avg
Details
Annual Percentage Yield (APY) is accurate as of 07/06/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
6 Month Certificate
$2,000
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.15% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs 6 Month
$0
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.12% above avg
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
931 State Highway 248, Branson, MO 65616
6 Month CD
$1,000
3.77%
▲ 1.10% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.10% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
6 Month Share Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
6-Month Special CD
$0
3.73%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.06% above avg
Details
Special Rate
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
6 Month Certificate
$0
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.04% above avg
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
688 Salt Lick Rd, Saint Peters, MO 63376
6 Month Certificate
$1,000
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.04% above avg
Details
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
668 Broadway Ste A, Hannibal, MO 63401
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.03% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.03% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
6 Month Certificate
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
180 Day CD
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
180 Day IRA
$250
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
6 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.98% above avg
Details
Preferred Rate with any checking account
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
6 Month Certificate
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.94% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
CD - Certificates of Deposit 6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
6 Month Certificate
$1,000
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.89% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
6 Month Certificate
$0
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.89% above avg
Details
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
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.89% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
6 Month Jumbo CD
$50,000
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
6 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details
Preferred Rate with any checking account
Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3309 Miller St, Bethany, MO 64424
6-month CD
$0
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.86% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
959 N Commercial Ave, Saint Clair, MO 63077
6 Month
$500
3.51%
▲ 0.84% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
6 Month Certificate
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.84% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
6 month ADVANTAGE CD/IRA
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.84% above avg
Details
Midwest BankCentre
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional 6-Month CD
$1,000
3.51%
▲ 0.84% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.84% above avg
Details
Traditional CDs
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
6 Month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
Rates shown include all available bonuses.
Missouri 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 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
De Soto Mo Pac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
2082 Rock Rd, De Soto, MO 63020 1052
1 year Certificate of Deposit
$5,000
5.09%
▲ 2.25% above national avg
▼
Rate5.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 2.25% above avg
Details
$100,000.00 maximum for each certificate. 90 penalty for early withdrawal, 10 day grace period at end of contract. Dividends are paid quarterly and deposited to certificate.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Month Certificate
$500
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.34% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo IRA
$100,000
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.34% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 12 Months Jumbo IRA
$100,000
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.34% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months
$500
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.34% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Month Certificate
$500
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.32% above avg
Details
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
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.31% above avg
Details
Featured rate
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
12 Month Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Youth 12 Month
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1-year CD
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.26% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
12 MONTHS IRA
$500
4.09%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.25% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
12-Month IRA
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.24% above avg
Details
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%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.22% above avg
Details
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%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.22% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
3721 E Battlefield St, Springfield, MO 65809
12 Month Certificate
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.21% above avg
Details
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%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.21% above avg
Details
Interest paid quarterly
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.17% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.11% above avg
Details
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
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.11% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
12 Month IRA Certificate
$1,000
3.94%
▲ 1.10% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.10% above avg
Details
Semi-Annually
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12 Month Certificate
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.07% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.07% above avg
Details
HomePride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
437 W Sunset St, Fordland, MO 65652
Individual Retirement Account (IRA) 12-month
$500
3.91%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.07% above avg
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO 63101
1 Year Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
4161 Highway K, O Fallon, MO 63368 8294
12 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
1 Year Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Rates shown include all available bonuses.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12 Month Certificate
$0
3.86%
▲ 1.02% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.02% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.86%
▲ 1.02% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.02% above avg
Details
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
12 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.01% above avg
Details
Monthly dividends Rollover at maturity
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month CD
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.01% above avg
Details
Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1601 S Limit Ave, Sedalia, MO 65301
12 Month
$1,000
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.98% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
12 Month Fixed
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.98% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Build A Certificate of Deposit
$1,000
3.81%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.97% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Certificate of Deposit
$1,000
3.81%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.97% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12 Month Certificate
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.97% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.81%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.97% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
959 N Commercial Ave, Saint Clair, MO 63077
1 Year
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
959 N Commercial Ave, Saint Clair, MO 63077
IRA 12 Month (Fixed rate)
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
Compounded: Quarterly
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
12 Month Certificate
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
Youth Saver 12-Month CD
$250
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Age: 0-19
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
Premier CD - 1 Year
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
1-Year CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
12 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.96% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
12-Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.96% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month CD
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.96% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
321 S Us Highway 169, Gower, MO 64454
1 Year Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.96% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
1 Year Share Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 12 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
$500+
Midwest BankCentre
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional 12-Month CD
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.91% above avg
Details
Traditional CDs
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
12 Month Variable
$0
3.72%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.88% above avg
Details
Variable rate
Missouri 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 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
5.00%
▲ 2.33% above national avg
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 2.33% above avg
Details
See Fair Special options; Preferred Rate with any checking account
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%
▲ 2.23% above national avg
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 2.23% above avg
Details
See Fair Special options; Preferred Rate with any checking account
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 MONTHS IRA
$500
4.50%
▲ 1.83% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.83% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 Month IRA Certificate
$1,000
4.35%
▲ 1.68% above national avg
▼
Rate4.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.68% above avg
Details
Semi-Annually
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo IRA
$100,000
4.33%
▲ 1.66% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.66% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 18 Months Jumbo IRA
$100,000
4.33%
▲ 1.66% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.66% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months Jumbo IRA
$100,000
4.33%
▲ 1.66% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.66% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3570 S National Ave, Springfield, MO 65807
18 Month Certificate
$0
4.31%
▲ 1.64% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.64% above avg
Details
Compounding: Quarterly; Availability: Open Online
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
668 Broadway Ste A, Hannibal, MO 63401
18 Month Certificate
$0
4.25%
▲ 1.58% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.58% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18-month CD
$0
4.20%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.53% above avg
Details
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%
▲ 1.53% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.53% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Month Certificate
$500
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.51% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months
$500
4.18%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.51% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Month Certificate
$500
4.16%
▲ 1.49% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.49% above avg
Details
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%
▲ 1.48% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.48% above avg
Details
Interest paid quarterly
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
18 Month Certificate
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.48% above avg
Details
Compound Method: Calculated Daily, Compounded Semi-annually
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
18 Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
18 Month CD
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.18% above avg
Details
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
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.18% above avg
Details
Term: 18 Month Variable Rate
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%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.18% above avg
Details
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
3.79%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.12% above avg
Details
Variable Rate
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
18 Month Share Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
18-Month CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.03% above avg
Details
Limited Time Only
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
18 Month Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.03% above avg
Details
SPECIAL
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
18 Month Fixed
$0
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.00% above avg
Details
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
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.99% above avg
Details
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
18 Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.98% above avg
Details
Monthly dividends Rollover at maturity
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Certificate
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details
Rates shown include all available bonuses.
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month Certificate
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.93% above avg
Details
Preferred Rate with any checking account
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
18 Month IRA Certificate
$500
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
18 Month CD/IRA
$500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.88% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Month Certificate
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.84% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
18 Month Variable
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.84% above avg
Details
Variable rate
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
18 Month Certificate
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month Certificate
$0
3.49%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.82% above avg
Details
Preferred Rate with any checking account
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Month Certificate
$0
3.46%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.79% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
Premier CD - 18 Months
$0
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.78% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1111 E 23rd St S, Independence, MO 64055
18 Month Certificate
$0
3.45%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.78% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
18-Month CD
$0
3.45%
▲ 0.78% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.78% above avg
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1002 Swift Ave, North Kansas City, MO 64116 4128
18 Month Certificate
$0
3.44%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.77% above avg
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
18 Month Term
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificate 18 Month Term
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
533 Campbell St, Kansas City, MO 64106 1274
18 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 18-Month CD
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
18 Month CD
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.73% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month CD/IRA
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.73% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
Signature CD - 18 Months
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.68% above avg
Details
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
18 Month CD
$1,000
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.68% above avg
Details
In Branch; $1,000 minimum opening deposit
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
18 Month Term
$0
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
Missouri 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 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: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo IRA
$100,000
4.39%
▲ 1.68% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.68% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 24 Months Jumbo IRA
$100,000
4.39%
▲ 1.68% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.68% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months Jumbo IRA
$100,000
4.39%
▲ 1.68% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.68% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
24-Month IRA
$0
4.34%
▲ 1.63% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.63% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2-year CD
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.54% above avg
Details
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
24 Month Certificate
$0
4.25%
▲ 1.54% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.54% above avg
Details
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%
▲ 1.54% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.54% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Month Certificate
$500
4.23%
▲ 1.52% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.52% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months
$500
4.23%
▲ 1.52% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.52% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Month Certificate
$500
4.22%
▲ 1.51% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.51% above avg
Details
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 Certificate
$1,000
4.16%
▲ 1.45% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.45% above avg
Details
OASIS SPECIALS
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
24 Month Certificate
$500
4.15%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.44% above avg
Details
Monthly dividends One-time bump up Rollover at maturity
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 24 Months
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.39% above avg
Details
$500+
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
24 Month Certificate
$0
4.07%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.36% above avg
Details
Preferred Rate with any checking account
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
3721 E Battlefield St, Springfield, MO 65809
24 Month Certificate
$1,000
4.05%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.34% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
24-Month CD
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.30% above avg
Details
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
24-Month Special CD
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.29% above avg
Details
Special Rate
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%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.26% above avg
Details
Preferred Rate with any checking account
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 Certificate
$0
3.96%
▲ 1.25% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.25% above avg
Details
TRADITIONAL & ROTH IRA'S
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
24 Month CD
$0
3.91%
▲ 1.20% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.20% above avg
Details
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 Certificate
$0
3.91%
▲ 1.20% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.20% above avg
Details
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO 64012
24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.19% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
393 Ne 94th St, Kansas City, MO 64155
24-Month CD
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.19% above avg
Details
Interest compounded daily and paid quarterly.
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 24 Months
$1,000
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.14% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
959 N Commercial Ave, Saint Clair, MO 63077
2 Year
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
959 N Commercial Ave, Saint Clair, MO 63077
IRA 24 Month (Fixed rate)
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Compounded: Quarterly
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 Month Certificate
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.09% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.09% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.04% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
2 Year Share Certificate
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.04% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.04% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month Certificate
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.04% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
24 month ADVANTAGE CD/IRA
$0
3.71%
▲ 1.00% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.00% above avg
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
24 Month Certificate
$1,000
3.67%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.96% above avg
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs 2 year
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.94% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month CD
$1,000
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.94% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1002 Swift Ave, North Kansas City, MO 64116 4128
24 Month Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
2-Year CD
$500
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month CD
$1,000
3.60%
▲ 0.89% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.89% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.55%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Certificate of Deposit
$50,000
3.55%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.84% above avg
Details
$50,000 +; Interest compounded semi-annually.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
24 Month Certificate
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.80% above avg
Details
Midwest BankCentre
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional 24-Month CD
$1,000
3.51%
▲ 0.80% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.80% above avg
Details
Traditional CDs
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
2 Year Certificate
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Rates shown include all available bonuses.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
24 Month Certificate
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
24 Month Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
24-Month IRA
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Missouri 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 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
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-year CD
$0
4.40%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.76% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo IRA
$100,000
4.39%
▲ 1.75% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.75% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 36 Months Jumbo IRA
$100,000
4.39%
▲ 1.75% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.75% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months Jumbo IRA
$100,000
4.39%
▲ 1.75% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.75% above avg
Details
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%
▲ 1.71% above national avg
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 1.71% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Month Certificate
$500
4.23%
▲ 1.59% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.59% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months
$500
4.23%
▲ 1.59% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.59% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Month Certificate
$500
4.22%
▲ 1.58% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.58% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
36-Month CD
$0
4.15%
▲ 1.51% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.51% above avg
Details
United Bank of Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
15 E Main St, Union, MO 63084
36 Month Certificate Special
$0
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.36% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
36 Month CD
$0
3.96%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.32% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
3.91%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.27% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$1,000
3.85%
▲ 1.21% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.21% above avg
Details
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
$0
3.76%
▲ 1.12% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.12% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
36 Month Certificate
$0
3.75%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
3 Year Share Certificate
$500
3.75%
▲ 1.11% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.75%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.11% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month Certificate
$1,000
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.11% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.70%
▲ 1.06% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.06% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.60%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.96% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.96% above avg
Details
$50,000 +; Interest compounded semi-annually.
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
36 Month Certificate
$1,000
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.92% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.55%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.91% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
533 Campbell St, Kansas City, MO 64106 1274
36 Month Certificate
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.91% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
3-Year CD
$500
3.55%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.91% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
36 Month Certificate
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.91% above avg
Details
Preferred Rate with any checking account
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 36 Months
$1,000
3.55%
▲ 0.91% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.91% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Month Certificate
$0
3.51%
▲ 0.87% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.87% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month CD/IRA
$0
3.51%
▲ 0.87% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.87% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
36 Months
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
3 Year Certificate
$500
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Rates shown include all available bonuses.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Build A Certificate of Deposit
$1,000
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$1,000
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
36 Month Certificate
$1,000
3.50%
▲ 0.86% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 36-Month CD
$0
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 Month Certificate
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.86% above avg
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 year
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.86% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Month Certificate
$0
3.46%
▲ 0.82% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.82% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
36 Month Fixed
$0
3.46%
▲ 0.82% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.82% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1111 E 23rd St S, Independence, MO 64055
36 Month Certificate
$0
3.45%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.81% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
36 Month Certificate
$0
3.44%
▲ 0.80% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.80% above avg
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 months
$0
3.41%
▲ 0.77% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.77% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.40%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.76% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Bump Up Certificate of Deposit
$1,000
3.40%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.76% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36 Month Certificate
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.76% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.76% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 36 Month Certificate
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.76% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36 Month Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.71% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.71% above avg
Details
Missouri 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 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: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.65%
▲ 2.00% above national avg
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 2.00% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 48 Months Jumbo IRA
$100,000
4.65%
▲ 2.00% above national avg
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 2.00% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months Jumbo IRA
$100,000
4.65%
▲ 2.00% above national avg
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 2.00% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year CD
$0
4.60%
▲ 1.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.95% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Month Certificate
$500
4.49%
▲ 1.84% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.84% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months
$500
4.49%
▲ 1.84% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.84% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Month Certificate
$500
4.47%
▲ 1.82% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.82% above avg
Details
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%
▲ 1.75% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 1.75% above avg
Details
Interest paid quarterly
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32%
▲ 1.67% above national avg
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.67% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$1,000
4.25%
▲ 1.60% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.60% above avg
Details
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
48 Month Certificate
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.60% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
393 Ne 94th St, Kansas City, MO 64155
48-Month CD
$1,000
4.20%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.55% above avg
Details
Interest compounded daily and paid quarterly.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
4.06%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.41% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.35% above avg
Details
Bump Up CD
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
48 Month CD
$0
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.31% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$50,000
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.31% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$1,000
3.90%
▲ 1.25% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.25% above avg
Details
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
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.20% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.15% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
4 Year Share Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.10% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.10% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month Certificate
$1,000
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.70%
▲ 1.05% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.05% above avg
Details
Bump Up CD
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.95% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.95% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month CD/IRA
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.95% above avg
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
48 Month Certificate
$1,000
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.91% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
48 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.90% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.90% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
533 Campbell St, Kansas City, MO 64106 1274
48 Month Certificate
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.90% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 48-Month CD
$0
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.90% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
48 Month Certificate
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.90% above avg
Details
Preferred Rate with any checking account
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.85% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
4 Year Certificate
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details
Rates shown include all available bonuses.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Month Certificate
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
4-Year CD
$500
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CDs 4 year
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.85% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1111 E 23rd St S, Independence, MO 64055
48 Month Certificate
$0
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.80% above avg
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 48 Months
$1,000
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.80% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 48 Month Certificate
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.80% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
48 Month Certificate
$0
3.44%
▲ 0.79% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.79% above avg
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 months
$0
3.41%
▲ 0.76% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.76% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.40%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.75% above avg
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
48 Month Term
$0
3.40%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.75% above avg
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificate 48 Month Term
$0
3.40%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.75% above avg
Details
SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
20 S 2nd St, Silex, MO 63377
48 Month Certificate
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.70% above avg
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
663 W Highway 60, Monett, MO 65708 8215
48 Month
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.65% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Months Rate Bump
$1,000
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.65% above avg
Details
Rate Bump
Missouri 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 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
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5-year CD
$0
4.65%
▲ 1.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.90% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo IRA
$100,000
4.54%
▲ 1.79% above national avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.79% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
HSA 60 Months Jumbo IRA
$100,000
4.54%
▲ 1.79% above national avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.79% above avg
Details
IRA & HSA Certificates
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months Jumbo IRA
$100,000
4.54%
▲ 1.79% above national avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.79% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
60 Month Certificate
$0
4.45%
▲ 1.70% above national avg
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.70% above avg
Details
Preferred Rate with any checking account
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%
▲ 1.70% above national avg
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 1.70% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Month Certificate
$500
4.39%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.64% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months
$500
4.39%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.64% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Month Certificate
$500
4.37%
▲ 1.62% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.62% above avg
Details
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%
▲ 1.59% above national avg
▼
Rate4.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.59% above avg
Details
Preferred Rate with any checking account
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
318 W Main St, Sullivan, MO 63080
60 Months Special Click to Open CD
$1,000
4.30%
▲ 1.55% above national avg
▼
Rate4.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 1.55% above avg
Details
Available as IRA in Branch
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.31% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.25% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
60 Month CD
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.21% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.21% above avg
Details
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
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.16% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 1.15% above avg
Details
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%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.05% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3921 Oakland Ave, Saint Joseph, MO 64506
5 Year Share Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.91% above avg
Details
$50,000 +; Interest compounded semi-annually.
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month CD/IRA
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.90% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
60 Months
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.85% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.85% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 60-Month CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.85% above avg
Details
All rates disclosed as an Annual Percentage Yield (APY). Account is subject to a penalty for early withdrawal. Fees could reduce earnings.
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
60-Month CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.85% above avg
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
60 Month Certificate
$1,000
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.81% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.80% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Build a Certificate of Deposit
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.80% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.80% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
533 Campbell St, Kansas City, MO 64106 1274
60 Month Certificate
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.80% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1111 E 23rd St S, Independence, MO 64055
60 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.76% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 60 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.76% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2800 E 14th St, Kansas City, MO 64127
5 Year Certificate
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details
Rates shown include all available bonuses.
Multipli Credit Union
818 N Benton Ave, Springfield, MO 65802 3704
60 Month Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details
Annual Percentage Yield
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Month Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Bump Up Certificate of Deposit
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO 64057 1226
5-Year CD
$500
3.45%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 months
$0
3.41%
▲ 0.66% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.66% above avg
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
663 W Highway 60, Monett, MO 65708 8215
60 Month
$0
3.41%
▲ 0.66% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.66% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
60 Month Certificate
$0
3.41%
▲ 0.66% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.66% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
211 N Broadway, Saint Louis, MO 63102
3.5-Year Bump Rate CD
$0
3.40%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.65% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.40%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.65% above avg
Details
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
60 Month CD
$1,000
3.40%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.65% above avg
Details
In Branch; $1,000 minimum opening deposit
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO 63045 1518
60 Month Certificate
$0
3.36%
▲ 0.61% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.61% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
663 W Highway 60, Monett, MO 65708
60 Month Certificate
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.60% above avg
Details
SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
20 S 2nd St, Silex, MO 63377
60 Month Certificate
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.60% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Months Rate Bump
$1,000
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.55% above avg
Details
Rate Bump
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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
2.840%
▼ 0.003 vs 7 days ago
Missouri 12-month CD rates fell 0.003 points over the past 7 days to 2.840% APY.
6-Month CD MO Avg
2.669%
▼ 0.007 vs 7 days ago
Missouri 6-month CD rates fell 0.007 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
840
CD Rates
Tracked in Missouri
Tracked in Missouri
73 Banks
41 Credit Unions
About Our Missouri CD Rate Database
MonitorBankRates tracks 840 CD rates from 73 banks and 41 credit unions with locations in Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: De Soto Mo Pac Credit Union offers a CD at 5.09% APY with a minimum deposit of $5,000. 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 41 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: 114 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
$121/yr
At MO 12-mo avg 2.840% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.840%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $121 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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, CSD Credit Union is offering its 6 Month Certificate at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5-year CD at 4.65% 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:
- De Soto Mo Pac Credit Union: 5.09% APY (1 year Certificate of Deposit)
- Bank of Franklin County: 5.00% APY (18 Month YOUTH Fair CD Special)
- MECE Credit Union: 4.65% APY (48 Months Jumbo IRA)
- Edward Jones Trust Company: 4.65% APY (5-year CD)
- Community Bank of Marshall: 4.50% APY (18 MONTHS IRA)
- Bank of Washington: 4.45% APY (60 Month CD or IRA CD)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Regional Missouri Bank: 4.32% APY (48 Month Dream Fund CD)
- Omb Bank: 4.31% APY (18 Month Certificate)
- Sullivan Bank: 4.30% APY (60 Months Special Click to Open CD)
Rates reflect recent verified offers available in Missouri. Last Updated: September 9, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Missouri
Missouri CD Calculator
At today’s MO top rate of 5.09% APY, a $10,000 deposit earns $509 in the first year. Enter your amount to see your exact return.
Missouri CD LadderMO CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Missouri CD at 5.09% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.840% 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: September 9, 2026
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