Ofallon, Missouri Best CD Rates September 2026
Brian McKay
Brian McKay
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Current CD rates in Ofallon, Missouri range from 2.42% to 10.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Ofallon, Missouri CD rates include First Community Credit UnionFirst Community Credit Union771 Caledonia Parkway, OFallon, MO 63368A+5.0 ★Texas Ratio: 3.75%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs) at 4.00% APY, FSB of St. Charles, MOFSB of St. Charles, MO300 Woodlawn Ave, OFallon, MO 63366A+5.0 ★Texas Ratio: 2.35%Real return: +0.45%APY minus CPI (February 2026) offering 12 Month Certificates of Deposit at 3.25% APY, Peoples Bank & Trust Co.Peoples Bank & Trust Co.1310 N Main St, OFallon, MO 63366A-5.0 ★Texas Ratio: 14.19%Real return: -0.38%APY minus CPI (February 2026) offering 60 Month Certificate at 2.42% APY, Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +7.20%APY minus CPI (February 2026) offering 6 Month Teen CD at 10.00% APY, and De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit UnionA5.0 ★Texas Ratio: 8.77%Real return: +2.29%APY minus CPI (February 2026) offering 1 year Certificate of Deposit at 5.09% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.
Ofallon has 23 local institutions in our database, with CD rates as high as 4.00% APY from First Community Credit Union at 771 Caledonia Parkway, OFallon, MO 63368. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. Rates are continually updated, 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 28, 2026
Compare Best CD Rates in Ofallon, Missouri & the Surrounding Area
Ofallon 3 Month CD Rates
- Sep 27, 20264.20%▲ from 4.10%
- Sep 24, 20264.10%first recorded
- Sep 24, 20264.06%▲ from 4.01%
- Sep 20, 20264.01%first recorded
Interest credited At Maturity; Rates and Annual Percentage Yields are effective as of 12/19/25 and subject to change without notice. No brokered or institutional deposits. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Minimum balance required to obtain the annual percentage yield is $1,000. Fees may reduce earnings. Early withdrawal penalties may apply.
Special Offer. For balances under $100k. Apply now.
- Sep 27, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Interest paid at term or maturity of CD
Preferred Rate with any checking account
- Sep 24, 20263.75%▲ from 3.65%
- Sep 11, 20263.65%first recorded
Minimum balance required to earn dividend
Preferred Rate with any checking account
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20263.56%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20263.56%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
In Branch
Balance: $1,000 or more
Balance: $1,000 or more
Balance: $100,000.00+
Balance: $50,000.00 - $99,999.99
Rate Is Accurate As Of 12/04/2024
Balance: $1,000.00 - $49,999.99
Compounding: at maturity
Compound Period: Maturity
CD Only*
Ofallon 6 Month CD Rates
Compounding and Crediting Frequency: Maturity
- Sep 22, 20263.55%▲ from 3.45%
- Sep 18, 20263.45%first recorded
max $1,000
- Sep 24, 20264.14%▲ from 3.79%
- Sep 20, 20263.79%first recorded
Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
- Sep 19, 20264.10%▲ from 3.85%
- Sep 7, 20263.85%first recorded
- Sep 27, 20264.08%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Early Withdrawal Penalty: 3 Month Interest Penalty
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Minimum balance required to earn dividend
$500+
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20263.97%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20263.96%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Interest paid quarterly
- Sep 24, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
All rates are Annual Percentage Yields.
- Sep 24, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
- Sep 27, 20263.82%▲ from 3.56%
- Sep 19, 20263.56%first recorded
All rates are Annual Percentage Yields.
Balance: $50,000 - $99,999
- Sep 24, 20263.75%▼ from 3.80%
- Sep 14, 20263.80%first recorded
All rates are Annual Percentage Yields.
Balance: $15,000 - $29,999
$100,000 - $250,000
All rates subject to change without notice. A penalty will or may be imposed for early withdrawal.
Ofallon 12 Month CD Rates
Compounding and Crediting Frequency: Maturity
$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.
- Sep 27, 20264.37%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Featured rate
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
- Sep 24, 20264.20%▲ from 3.65%
- Sep 20, 20263.65%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.18%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.18%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.16%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
- Sep 27, 20264.08%▲ from 3.67%
- Sep 14, 20263.67%first recorded
IRA
Early Withdrawal Penalty: 3 Month Interest Penalty
Interest paid quarterly
- Sep 24, 20264.05%▲ from 3.95%
- Sep 7, 20263.95%first recorded
Certificate dividends are paid at maturity.
Balance: $75,000+
- Sep 22, 20263.95%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Compound Period: Semi-Annually
Balance: $25,000 +
Balance: $25,000 +
Rates shown include all available bonuses.
Age: 0-19
Balance: $25,000.00-$74,999.99
Balance: $10,000 - $24,999
Balance: $10,000 - $24,999
Ofallon 18 Month CD Rates
Compounding and Crediting Frequency: Semi-annually
See Fair Special options; Preferred Rate with any checking account
- Sep 24, 20265.00%▲ from 4.90%
- Sep 11, 20264.90%first recorded
See Fair Special options; Preferred Rate with any checking account
- Sep 27, 20264.55%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Compound Period: Semi-Annually
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.33%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.32%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.27%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Balance: $5,000 and over
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.18%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Interest paid quarterly
Compound Method: Calculated Daily, Compounded Semi-annually
- Sep 27, 20264.12%▲ from 0.55%
- Sep 19, 20260.55%first recorded
Balance: $75,000+
Limited Time Only
Balance: $25,000.00-$74,999.99
Rewards APY
Preferred Rate with any checking account
- Sep 24, 20263.60%▲ from 3.49%
- Sep 11, 20263.49%first recorded
Rates shown include all available bonuses.
Balance: $500.00-$24,999.99
Ofallon 24 Month CD Rates
Compounding and Crediting Frequency: Annually
- Sep 27, 20264.65%▲ from 4.60%
- Sep 24, 20264.60%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.39%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.37%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.32%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Interest paid quarterly
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.23%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Balance: $75,000+
Balance: $25,000.00-$74,999.99
$500+
Preferred Rate with any checking account
- Sep 24, 20264.07%▲ from 3.97%
- Sep 11, 20263.97%first recorded
Early Withdrawal Penalty: 6 Month Interest Penalty
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
$100,000 - $250,000
Balance: $500.00-$24,999.99
Preferred Rate with any checking account
- Sep 24, 20263.95%▲ from 3.65%
- Sep 20, 20263.65%first recorded
Interest compounded daily and paid quarterly for all terms except 91 Days and 182 days. Certain restrictions apply when opening an account online.
- Sep 27, 20263.87%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Term: 24 Months (No penalty for early withdrawal); No penalty for early withdrawal
Compounded: Quarterly
Ofallon 36 Month CD Rates
Compounding and Crediting Frequency: Annually
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.39%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.37%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Interest paid quarterly
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.32%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.23%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Balance: $75,000+
Balance: $25,000.00-$74,999.99
Balance: $500.00-$24,999.99
- Sep 24, 20263.95%▲ from 3.50%
- Sep 20, 20263.50%first recorded
- Sep 27, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
All rates are Annual Percentage Yields.
Balance: $100,000.00 +
$50,000 +; Interest compounded semi-annually.
Preferred Rate with any checking account
- Sep 24, 20263.55%▲ from 3.44%
- Sep 11, 20263.44%first recorded
Balance: $50,000.00 - $99,999.99
$500.00
Balance: $25,000.00 - $49,999.99
Rates shown include all available bonuses.
Ofallon 48 Month CD Rates
Compounding and Crediting Frequency: Annually
- Sep 27, 20264.95%▲ from 4.85%
- Sep 24, 20264.85%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.65%▲ from 4.55%
- Sep 14, 20264.55%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.63%▲ from 4.55%
- Sep 18, 20264.55%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.58%▲ from 4.55%
- Sep 18, 20264.55%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.49%▲ from 4.47%
- Sep 14, 20264.47%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Interest paid quarterly
- Sep 24, 20263.95%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Balance: $75,000+
- Sep 27, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
All rates are Annual Percentage Yields.
Balance: $25,000.00-$74,999.99
Balance: $100,000.00 +
$500.00
Balance: $500.00-$24,999.99
Preferred Rate with any checking account
- Sep 24, 20263.55%▲ from 3.44%
- Sep 11, 20263.44%first recorded
Balance: $50,000.00 - $99,999.99
$500.00
Balance: $25,000.00 - $49,999.99
Rates shown include all available bonuses.
Ofallon 60 Month CD Rates
Compounding and Crediting Frequency: Annually
- Sep 27, 20265.05%▲ from 4.90%
- Sep 24, 20264.90%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.54%▲ from 4.45%
- Sep 14, 20264.45%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.52%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" is allowed once during the term of the CD.
- Sep 27, 20264.47%▲ from 4.45%
- Sep 18, 20264.45%first recorded
Interest paid quarterly
Preferred Rate with any checking account
- Sep 24, 20264.45%▲ from 4.34%
- Sep 11, 20264.34%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
- Sep 27, 20264.39%▲ from 4.37%
- Sep 14, 20264.37%first recorded
Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA/HSA Agreement or your tax advisor for additional information.
Preferred Rate with any checking account
Available as IRA in Branch:
- Sep 27, 20264.08%▲ from 3.56%
- Sep 14, 20263.56%first recorded
- Sep 24, 20263.95%▲ from 3.00%
- Sep 20, 20263.00%first recorded
Rate Is Accurate As Of 12/04/2024
All rates are Annual Percentage Yields.
Balance: $75,000+
$50,000 +; Interest compounded semi-annually.
$500.00
Balance: $100,000.00 +
$500.00
All rates disclosed as an Annual Percentage Yield (APY). Account is subject to a penalty for early withdrawal. Fees could reduce earnings.
Balance: $25,000.00-$74,999.99
Balance: $50,000.00 - $99,999.99
Balance: $1,000 or more
Balance: $1,000 or more
Balance: $500.00-$24,999.99
Balance: $25,000.00 - $49,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Ofallon, MO CD Rate Trends
Compare local Ofallon, 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.
Missouri 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.
Missouri 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.
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.
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 | 2.076% | $103.80 | $207.59 | $518.98 | $1,037.95 |
| 6-Month CD | 2.768% | $138.39 | $276.78 | $691.95 | $1,383.90 |
| 12-Month CD | 2.942% | $147.08 | $294.15 | $735.38 | $1,470.75 |
| 18-Month CD | 2.817% | $140.84 | $281.67 | $704.18 | $1,408.35 |
| 24-Month CD | 2.836% | $141.82 | $283.64 | $709.10 | $1,418.20 |
| 36-Month CD | 2.757% | $137.86 | $275.71 | $689.28 | $1,378.55 |
| 48-Month CD | 2.751% | $137.54 | $275.08 | $687.70 | $1,375.40 |
| 60-Month CD | 2.843% | $142.17 | $284.33 | $710.83 | $1,421.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026. | |||||
Sample CD Ladder for Ofallon, 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 | 2.076% | $103.80 |
| 2 | 6-Month CD | $5,000 | 2.768% | $138.39 |
| 3 | 12-Month CD | $5,000 | 2.942% | $147.08 |
| 4 | 24-Month CD | $5,000 | 2.836% | $141.82 |
| 5 | 36-Month CD | $5,000 | 2.757% | $137.86 |
| Total ($25,000 invested) | $25,000 | 2.676% blended | $668.95/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.
Tracked in Ofallon, Missouri
About Our Ofallon, Missouri CD Rate Database
MonitorBankRates tracks 1,260 CD rates from 81 banks and 54 credit unions with locations in Ofallon, 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: First Community Credit Union offers a CD at 4.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Ofallon, Missouri.
How to Find the Best CD Rates in Ofallon, Missouri
What to compare when shopping for a CD in Ofallon, Missouri
To find the best APYs in Ofallon, Missouri, start with credit unions and online-only banks: Ofallon, Missouri has 54 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 Ofallon, 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 Ofallon, Missouri: 135 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Ofallon, 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 Ofallon, 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)
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 2.942%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $126 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 Ofallon, 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 Ofallon, 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 Ofallon, 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 Ofallon, Missouri as everywhere in the U.S.
Choosing a CD Term in Ofallon, 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 Ofallon, Missouri savers easier access to their funds. For example, First Community Credit Union is offering its 6 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs) at 3.55% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Community Credit Union is offering its 60 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs) at 3.30% 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 Ofallon, 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 Ofallon, 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 Ofallon, 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 Ofallon, 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 Ofallon, Missouri
Most CDs carry a fixed rate that is locked for the entire term, protecting a Ofallon, 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 Ofallon, Missouri
Are CD rates in Ofallon, Missouri FDIC insured?
Do I have to pay state taxes on CD interest in Ofallon, Missouri?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Ofallon, Missouri?
- First Community Credit Union: 4.00% APY (12 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs))
- FSB of St. Charles, MO: 3.25% APY (12 Month Certificates of Deposit)
- Peoples Bank & Trust Co.: 2.42% APY (60 Month Certificate)
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- De Soto Mo Pac Credit Union: 5.09% APY (1 year Certificate of Deposit)
- Edward Jones Trust Company: 5.05% APY (5 Year FDIC-Insured Certificate of Deposit)
- Bank of Franklin County: 5.00% APY (18 Month YOUTH Fair CD Special)
- MECE Credit Union: 4.65% APY (48 Month IRA & HSA Certificates)
- Community Bank of Marshall: 4.50% APY (18 MONTHS IRA)
- Bank of Washington: 4.45% APY (60 Month CD or IRA CD)
Ofallon, 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 Ofallon, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 Ofallon, Missouri
At today’s MO top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Ofallon, Missouri CD LadderMO CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ofallon, Missouri CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.942% 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 Ofallon, 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 Ofallon, 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 Ofallon, 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.
Ofallon, Missouri Rates & Resources
