Mill Spring, Missouri CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Mill Spring, Missouri CD rates include Service 1 Federal Credit UnionService 1 Federal Credit UnionA+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering Youth Certificates 1 6 months - FEATURED RATE at 4.75% APY, MECE Credit UnionMECE Credit UnionA+5.0 ★Texas Ratio: 0.48%Real return: +1.53%APY minus CPI (February 2026) offering IRA & HSA Certificates 48 Months at 4.33% APY, Lindell Bank & Trust CompanyLindell Bank & Trust CompanyA+5.0 ★Texas Ratio: 1.64%Real return: +1.26%APY minus CPI (February 2026) offering 18 Months Certificates of Deposit at 4.06% APY, First Missouri Credit UnionFirst Missouri Credit UnionA5.0 ★Texas Ratio: 11.19%Real return: +1.25%APY minus CPI (February 2026) offering 18 month CD at 4.05% APY, and The Corner Stone BankThe Corner Stone BankA5.0 ★Texas Ratio: 13.24%Real return: +1.25%APY minus CPI (February 2026) offering CD 6 Months at 4.05% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Mill Spring is a smaller community with no bank or credit union branches currently in our database. 853 institutions serving the Missouri area are available to Mill Spring residents, with CD rates as high as 4.75% APY from Service 1 Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Mill Spring, Missouri & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 3 Month
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
3 Month CD or IRA CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid at term or maturity of CD
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
90 Day CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
90 Day CD Special
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
3 Month Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Months IRA and CD's
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 3 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 3 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Months Certificates (CDs)
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit: $12M
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate of Deposit 3 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Month Certificates of Deposit
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Certificates of Deposit 3 Months
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Certificates of Deposit (CDs)-Details 3 Months
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Traditional & Roth Retirement Accounts (IRAs)-Details 3 Months
$0
2.96%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Share Certificates 3 months
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Senath State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 Months Certificate of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Under $25,000.00
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit*: $12M
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Months Certificate of Deposit & IRA CD
$1,000
2.15%
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 3 Months
$1,000
2.15%
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 month Certificates of Deposit
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA Certificates of Deposit 3-month
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 days Certificates of Deposit
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Share Certificate 3 Month
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Certificate of Deposit
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
$1,000 minimum
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Early Withdrawal Penalties Apply
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
3 Months Certificates of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Certificates of Deposit 3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months - FEATURED RATE
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 6 Months
$500
4.18%
▼
Rate4.10%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate4.10%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Months Certificates (CDs)
$0
4.16%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day CD
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day IRA
$250
4.00%
▼
Rate3.94%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Add-On CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Additional deposits of $25.00 minimum allowed with a maximum total contribution of $10,000.00
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Simple Interest CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6 Month Certificates of Deposit
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
6 months Term Shares Certificate
$0
3.89%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Certificate of Deposit
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.77%
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months - FEATURED RATE Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6-Month Special Certificates of Deposit
$500
3.73%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6 MONTHS Certificates of Deposit
$2,000
3.67%
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
6 Month CD or IRA CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid quarterly
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
6 Month Term Share Certificates & IRA Share Certificates
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 6 Month Term
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month CD Special
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
6 Months IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6-month term Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
* Take advantage of current rates while they last
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6-Month Share Certificate
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 6 months
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificates of Deposit
$500
3.51%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 12 Months
$500
4.23%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Months Certificates (CDs)
$0
4.22%
▼
Rate4.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 Month Certificate
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 12 Months
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12 Month Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Youth 12 Month Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
12 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
12-month term Certificates of Deposit
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 10, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
12 Month Certificates of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Missouri Baptist Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
12 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Youth Saver 12-Month CD (ages 0-19)
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 12 Months
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Months Certificate of Deposit & IRA CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Missouri Baptist Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
CD Special 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rates subject to change
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12 months Term Shares Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
12 MONTHS Certificates of Deposit
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
12 Month CD or IRA
$0
3.65%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 1 year
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 12 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
12-Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
12 Month CD IRA and CD's
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 12 month term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Youth Certificate - 12 mo. Term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month CD
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
3.62%
▼
Rate3.57%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12-Month Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1 Year Certificates of Deposit
$500
3.61%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA 12 Month (Fixed rate)
$500
3.61%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12-Month IRA Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12 Month Term Share Certificates & IRA Share Certificates
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit (CD) 12 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
12 Month IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 12 Month Term
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 18 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Months Certificates (CDs)
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Months Certificates of Deposit
$1,000
4.06%
▼
Rate4.02%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
18 month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 month Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 18 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month Daily Compound CD
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificates of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1.5 Year CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month CD IRA and CD's
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 18 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 months Certificates of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 18 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Certificate
$0
3.49%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
18-Month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate of Deposit 18 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 Month CD
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Month Term Share Certificates & IRA Share Certificates
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 18 Month Term
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
18 Month CD or IRA CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid quarterly
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 18 Month Term
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Month Term Share Certificates & IRA Share Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
CERTIFICATES (Includes IRA Certificates) 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 MONTH CERTIFICATE OF DEPOSIT
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 18 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month Certificate of Deposit
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Traditional & Roth Retirement Accounts (IRAs)-Details 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Certificates of Deposit (CDs)-Details 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Variable IRA
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 24 Months
$500
3.97%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 Months Certificates (CDs)
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 24 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
24 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
24 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Daily Compound CD
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
24 MONTHS Certificates of Deposit
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 2 year
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate of Deposit 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
24 Month Term Share Certificates & IRA Share Certificates
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 24 Month Term
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Month CD IRA and CD's
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24-month term Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 24 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
24 Month Term Share Certificates & IRA Share Certificates
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit (CD) 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 24 Month Term
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
24-Month CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 24 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Early Withdrawal Penalties Apply
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
24 Month Certificates of Deposit
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month IRA Share Certificate
$0
3.41%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month Share Certificate
$0
3.41%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 months Certificates of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month IRA Share Certificate
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month Share Certificate
$0
3.36%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
24 months Certificates of Deposit (CD)
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month IRA Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24-Month Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 Year Certificates of Deposit
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA 24 Month (Fixed rate)
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
2 Year CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
2 Year IRA
$250
3.25%
▼
Rate3.21%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
CERTIFICATES (Includes IRA Certificates) 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 36 Months
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
36 Months Certificates (CDs)
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
36 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36-Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 36 Months
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
36 Month CD or IRA CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid quarterly
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit (CD) 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 36 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 3 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
36 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
36-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
36 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
36 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
36 Month Certificates of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month IRA Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 36 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Year CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
36 MONTHS Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate of Deposit 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month IRA Share Certificate
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month Share Certificate
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 months Share Certificates - 1
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
CERTIFICATES (Includes IRA Certificates) 36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 36 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 36 month term
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit: $0.5M
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month Share Certificate
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36-Month IRA Share Certificate
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
36 Months IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 48 Months
$500
4.33%
▼
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate4.25%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
48 Months Certificates (CDs)
$0
4.32%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month Bump Up CD
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
48 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 48 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
48 Month CD or IRA CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid quarterly
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit (CD) 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 4 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
48 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 48 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
48 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
CERTIFICATES (Includes IRA Certificates) 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Daily Compound CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
48 Months IRA Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 48 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
48 MONTHS Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate of Deposit 48 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates - 1
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 48 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Certificates of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month IRA Share Certificate
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month Share Certificate
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
48 Month Term Share Certificates & IRA Share Certificates
$10,000
3.15%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Share Certificates 48 months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Share Certificates & IRA Share Certificates 48 Month Term
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month IRA Share Certificate
$0
3.11%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month Share Certificate
$0
3.11%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
4 Year CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
4 Year IRA
$250
3.09%
▼
Rate3.05%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month IRA Share Certificate
$0
3.06%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48-Month Share Certificate
$0
3.06%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 60 Months
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
60 Months Certificates (CDs)
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
60 Months Special Click to Open CD Certificates of Deposit
$1,000
3.89%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Certificates of Deposit 60 Months Special
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Certificates of Deposit 60 Months Special Click to Open CD
$1,000
3.89%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
60 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Month CD
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
60 Month CD or IRA CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Interest paid quarterly
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1.5 Year CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
60 MONTHS Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
60 months Certificates of Deposit (CD)
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
5 Year CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates - 1
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 60 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit (CD) 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
60 Month Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Preferred Rate with any checking account
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
60 Months IRA Certificates
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
60 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
CERTIFICATES (Includes IRA Certificates) 60 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Certificates of Deposit & IRA CDs 60 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 60 Months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month IRA Share Certificate
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month Share Certificate
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Share Certificates 60 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month IRA Share Certificate
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month Share Certificate
$0
3.16%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month IRA Share Certificate
$0
3.11%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60-Month Share Certificate
$0
3.11%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Mill Spring, Missouri at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Mill Spring residents from institutions serving the Missouri area is 4.75% APY from Service 1 Federal Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Mill Spring, MO CD Rate Trends
Compare local Mill Spring, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MO Avg
2.822%
▲ 0.013 vs 7 days ago
Missouri 12-month CD rates rose 0.013 points over the past 7 days to 2.822% APY.
6-Month CD — MO Avg
2.628%
▲ 0.022 vs 7 days ago
Missouri 6-month CD rates rose 0.022 points over the past 7 days to 2.628% APY.
As of May 14, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
2.822%
6-Month Forecast
2.822%
Range: 2.62% – 2.97%
12-Month Forecast
2.572%
Range: 2.37% – 2.72%
Powered by
MonitorBankRates
What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.085% | $104.24 | $208.47 | $521.18 | $1,042.35 |
| 6-Month CD | 2.628% | $131.38 | $262.76 | $656.90 | $1,313.80 |
| 12-Month CD | 2.822% | $141.08 | $282.15 | $705.38 | $1,410.75 |
| 18-Month CD | 2.534% | $126.69 | $253.37 | $633.43 | $1,266.85 |
| 24-Month CD | 2.608% | $130.42 | $260.84 | $652.10 | $1,304.20 |
| 36-Month CD | 2.623% | $131.17 | $262.34 | $655.85 | $1,311.70 |
| 48-Month CD | 2.605% | $130.25 | $260.49 | $651.23 | $1,302.45 |
| 60-Month CD | 2.832% | $141.62 | $283.23 | $708.08 | $1,416.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Mill Spring, Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.085% | $104.24 |
| 2 | 6-Month CD | $5,000 | 2.628% | $131.38 |
| 3 | 12-Month CD | $5,000 | 2.822% | $141.08 |
| 4 | 24-Month CD | $5,000 | 2.608% | $130.42 |
| 5 | 36-Month CD | $5,000 | 2.623% | $131.17 |
| Total ($25,000 invested) | $25,000 | 2.553% blended | $638.29/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.
738
CD Rates
Tracked in Mill Spring, Missouri
Tracked in Mill Spring, Missouri
63 Banks
39 Credit Unions
About Our Mill Spring, Missouri CD Rate Database
MonitorBankRates tracks 738 CD rates from 63 banks and 39 credit unions with locations in Mill Spring, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Service 1 Federal Credit Union offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mill Spring, Missouri.
How to Find the Best CD Rates in Mill Spring, Missouri
What to compare when shopping for a CD in Mill Spring, Missouri
To find the best APYs in Mill Spring, Missouri, start with credit unions and online-only banks — Mill Spring, Missouri has 39 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 Mill Spring, 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 Mill Spring, Missouri — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Mill Spring, Missouri savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Mill Spring, Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At MO 12-mo avg 2.822% 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 2.822%, 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 Mill Spring, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Mill Spring, Missouri
Are CD rates in Mill Spring, Missouri FDIC insured?
Yes, most established banks in Mill Spring, 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 Mill Spring, 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 Mill Spring, 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 Mill Spring, 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 Mill Spring, Missouri?
Here are recent top rates found for this area:
- Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months - FEATURED RATE)
- MECE Credit Union: 4.33% APY (IRA & HSA Certificates 48 Months)
- Lindell Bank & Trust Company: 4.06% APY (18 Months Certificates of Deposit)
- First Missouri Credit Union: 4.05% APY (18 month CD)
- The Corner Stone Bank: 4.05% APY (CD 6 Months)
- Omb Bank: 4.05% APY (3 Month CD)
- Conservation Employees Credit Union: 4.01% APY (12 Month Certificate)
- FNB of Nevada, Missouri: 4.01% APY (Basic CDs 3 Month)
- Freedom Bank of Southern Missouri: 4.00% APY (180 Day IRA)
- CSD Credit Union: 4.00% APY (6 Month Certificates)
Rates reflect recent verified offers available in Mill Spring, Missouri. Last Updated: May 12, 2026
CD Calculators for Mill Spring, Missouri
Mill Spring, Missouri CD Calculator
At today’s MO top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Mill Spring, Missouri CD LadderMO CD rates currently range from 2.085% (3-month) to 2.623% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mill Spring, Missouri CD at 4.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.822% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mill Spring, Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Mill Spring, 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: May 12, 2026
Rate Assistant
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