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CD Rate Trends

Ofallon, Missouri Best CD Rates November 2026

Ofallon, Missouri CD rates range from 0.75% to 10.00% APY, verified by MonitorBankRates as of November 12, 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: +0.50%APY minus CPIRate verified Nov 9, 2026 offering Certificates of Deposit (CDs) - 12 month at 4.20% 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 CPIRate verified Nov 11, 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: -1.28%APY minus CPIRate verified Nov 11, 2026 offering 60 Month Certificate of Deposit at 2.42% APY, Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +6.30%APY minus CPIRate verified Nov 8, 2026 offering 6 Month Teen CD at 10.00% APY, and Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit UnionA+5.0 ★Texas Ratio: 1.03%Real return: +2.44%APY minus CPIRate verified Nov 9, 2026 offering Certificate of Deposit - 12 Month Youth at 6.14% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.

Ofallon has 28 local institutions in our database, with CD rates as high as 4.20% 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: November 12, 2026

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

Ofallon 3 Month CD Rates

Missouri 3 Month CD Average1.91% APYNational 2.15%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
3 Month Certificates of Deposit
$1,000
1.65% ▼ 0.26% below Missouri avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▼ 0.26% below avgNationally 2.15%
Details

Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
Certificates of Deposit D - 3-month
$1,000
1.65% ▼ 0.26% below Missouri avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▼ 0.26% below avgNationally 2.15%
Details

Rate History
No change since Oct 20, 2026 · 1.65% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
IRA Certificates of Deposit - 3-month
$1,000
1.65% ▼ 0.26% below Missouri avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▼ 0.26% below avgNationally 2.15%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 8 times
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate
$0
4.40% ▲ 2.49% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average1.91%▲ 2.49% above avgNationally 2.15%
Details

Rates as of 11/2/26

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
  • Nov 7, 20264.40%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month Certificate
$1,000
4.33% ▲ 2.42% above Missouri avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 2.42% above avgNationally 2.15%
Details

Early Withdrawal Penalty (EWD): 2%; Rates as of 11/02/2026; CDs must be opened at a PSB Bank office

Rate History
1 change since Sep 7, 2026 · 0.50% → 4.33% ▲ 3.83 pts · high 4.33% / low 0.50%
  • Nov 5, 20264.33%▲ from 0.50%
  • Sep 7, 20260.50%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month FDIC-Insured Certificates of Deposit
$0
4.25% ▲ 2.34% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 2.34% above avgNationally 2.15%
Details

APY effective 11/10/2026; interest must be paid periodically, no compounding

Rate History
2 changes since Sep 19, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
  • Nov 11, 20264.25%▲ from 4.20%
  • Oct 21, 20264.20%▲ from 4.10%
  • Sep 19, 20264.10%first recorded
Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3 Month CD
$500
4.24% ▲ 2.33% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 2.33% above avgNationally 2.15%
Details

Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.

Rate History
No change since Oct 22, 2026 · 4.24% APY · checked 6 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08% ▲ 2.17% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average1.91%▲ 2.17% above avgNationally 2.15%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 6 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CDs - 3 Month
$1,000
4.06% ▲ 2.15% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 7, 2026
Missouri Average1.91%▲ 2.15% above avgNationally 2.15%
Details

Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.06% ▲ 0.05 pts · high 4.06% / low 4.01%
  • Oct 22, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3-Month CD
$1,000
4.05% ▲ 2.14% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 2.14% above avgNationally 2.15%
Details

Compounding: At maturity; Availability: Open Online

Rate History
No change since Oct 31, 2026 · 4.05% APY · checked 3 times
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 2.09% above avgNationally 2.15%
Details

Interest credited At Maturity; Account maximum $500,000; FDIC insured

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
3-Month CD
$0
3.90% ▲ 1.99% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average1.91%▲ 1.99% above avgNationally 2.15%
Details

Minimum balance $500.

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 7 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 3 Months
$500
3.87% ▲ 1.96% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average1.91%▲ 1.96% above avgNationally 2.15%
Details

Rate History
No change since Oct 19, 2026 · 3.87% APY · checked 5 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85% ▲ 1.94% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 1.94% above avgNationally 2.15%
Details

Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85% ▲ 1.94% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average1.91%▲ 1.94% above avgNationally 2.15%
Details

Interest paid at term or maturity of CD

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 15 times

Ofallon 6 Month CD Rates

Missouri 6 Month CD Average2.91% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 6 month
$500
3.75% ▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.81%
Details

Compounding and Crediting Frequency: Maturity

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 7 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
6 Month Certificates of Deposit
$1,000
2.40% ▼ 0.51% below Missouri avg
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.91%▼ 0.51% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
Certificates of Deposit D - 6-month
$1,000
2.40% ▼ 0.51% below Missouri avg
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.91%▼ 0.51% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 2.40% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
IRA Certificates of Deposit - 6-month
$1,000
2.40% ▼ 0.51% below Missouri avg
▼
Rate2.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.91%▼ 0.51% below avgNationally 2.81%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 2.40% APY · checked 8 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
6 Month Certificate of Deposit
$1,000
1.00% ▼ 1.91% below Missouri avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.91%▼ 1.91% below avgNationally 2.81%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 5 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Teen CD
$100
10.00% ▲ 7.09% above Missouri avg
▼
Rate9.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.81%
Details

$1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 13 times
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificate of Deposit - 6 Month Special Limited Time
$0
5.00% ▲ 2.09% above Missouri avg
▼
Rate4.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.91%▲ 2.09% above avgNationally 2.81%
Details

Balance: $5,000 and over

Rate History
No change since Nov 1, 2026 · 5.00% APY · checked 2 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.84% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.81%
Details

FEATURED RATE

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
  • Oct 23, 20264.75%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates 1
$0
4.75% ▲ 1.84% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.81%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 5 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 6 Month
$7,500
4.58% ▲ 1.67% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.81%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.58% APY · checked 5 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month FDIC-Insured Certificates of Deposit
$0
4.45% ▲ 1.54% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.91%▲ 1.54% above avgNationally 2.81%
Details

APY effective 11/10/2026; interest must be paid periodically, no compounding

Rate History
3 changes since Sep 19, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
  • Nov 11, 20264.45%▲ from 4.40%
  • Nov 6, 20264.40%▲ from 4.35%
  • Oct 21, 20264.35%▲ from 4.20%
  • Sep 19, 20264.20%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
6 Month Certificate
$0
4.40% ▲ 1.49% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.91%▲ 1.49% above avgNationally 2.81%
Details

Rates as of 11/2/26

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
  • Nov 7, 20264.40%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Short Term and IRA Short Term Certificates - 6 Months
$500
4.33% ▲ 1.42% above Missouri avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.91%▲ 1.42% above avgNationally 2.81%
Details

Rates as of 10/15/2026

Rate History
No change since Oct 26, 2026 · 4.33% APY · checked 4 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 6 Month
$0
4.30% ▲ 1.39% above Missouri avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.81%
Details

Rates effective as of 10/9/2026

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 6 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24% ▲ 1.33% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 6 times

Ofallon 12 Month CD Rates

Missouri 12 Month CD Average3.14% APYNational 3.03%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 12 month
$500
4.20% ▲ 1.06% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average3.14%▲ 1.06% above avgNationally 3.03%
Details

Compounding and Crediting Frequency: Maturity

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
  • Nov 9, 20264.20%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
12 Month Certificates of Deposit
$1,000
3.25% ▲ 0.11% above Missouri avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 0.11% above avgNationally 3.03%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
Certificates of Deposit D - 12-month
$1,000
3.25% ▲ 0.11% above Missouri avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 0.11% above avgNationally 3.03%
Details

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
IRA Certificates of Deposit - 12-month
$1,000
3.25% ▲ 0.11% above Missouri avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 0.11% above avgNationally 3.03%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 8 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
12 Month Certificate of Deposit
$1,000
2.02% ▼ 1.12% below Missouri avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▼ 1.12% below avgNationally 3.03%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 5 times
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
Certificate of Deposit - 12 Month Youth
$100
6.14% ▲ 3.00% above Missouri avg
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average3.14%▲ 3.00% above avgNationally 3.03%
Details

Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026

Rate History
No change since Oct 19, 2026 · 6.14% APY · checked 5 times
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
1 Year Certificate of Deposit
$5,000
5.09% ▲ 1.95% above Missouri avg
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average3.14%▲ 1.95% above avgNationally 3.03%
Details

$5,000.00 minimum, $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

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 11 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 12 Month
$7,500
4.84% ▲ 1.70% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average3.14%▲ 1.70% above avgNationally 3.03%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.84% APY · checked 5 times
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
12-Month Jumbo CD Special
$100,000
4.70% ▲ 1.56% above Missouri avg
▼
Rate4.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 1.56% above avgNationally 3.03%
Details

Online only; Interest rate 4.59%, APY 4.70%

Rate History
No change since Nov 5, 2026 · 4.70% APY · checked 2 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year FDIC-Insured Certificates of Deposit
$0
4.65% ▲ 1.51% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 1.51% above avgNationally 3.03%
Details

APY effective 11/10/2026; interest must be paid periodically, no compounding

Rate History
2 changes since Sep 19, 2026 · 4.30% → 4.65% ▲ 0.35 pts · high 4.65% / low 4.30%
  • Oct 26, 20264.65%▲ from 4.60%
  • Oct 21, 20264.60%▲ from 4.30%
  • Sep 19, 20264.30%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.46% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average3.14%▲ 1.46% above avgNationally 3.03%
Details

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 1-Year
$1,000
4.51% ▲ 1.37% above Missouri avg
▼
Rate4.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average3.14%▲ 1.37% above avgNationally 3.03%
Details

Interest credited every 3 months; FDIC insured; Account maximum $1,000,000

Rate History
2 changes since Sep 24, 2026 · 4.05% → 4.51% ▲ 0.46 pts · high 4.51% / low 4.05%
  • Oct 26, 20264.51%▲ from 4.25%
  • Oct 6, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50% ▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 1.36% above avgNationally 3.03%
Details

Featured rate; Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD - 12 Month Special
$1,000
4.50% ▲ 1.36% above Missouri avg
▼
Rate4.42%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average3.14%▲ 1.36% above avgNationally 3.03%
Details

Special rate applies to new money only; funds already on deposit with Paramount Bank may not be eligible; Quarterly Post or Interest Checks; interest checks reduce APY

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 5 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50% ▲ 1.36% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average3.14%▲ 1.36% above avgNationally 3.03%
Details

Rate History
3 changes since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
  • Oct 23, 20264.50%▲ from 3.50%
  • Oct 15, 20263.50%▼ from 4.50%
  • Oct 14, 20264.50%▲ from 3.50%
  • Sep 30, 20263.50%first recorded

Ofallon 18 Month CD Rates

Missouri 18 Month CD Average2.90% APYNational 2.94%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 18 month
$500
4.00% ▲ 1.10% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.90%▲ 1.10% above avgNationally 2.94%
Details

Compounding and Crediting Frequency: Semi-annually

Rate History
1 change since Oct 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
  • Nov 9, 20264.00%▲ from 3.75%
  • Oct 14, 20263.75%first recorded
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
18 Month Certificates of Deposit
$1,000
3.10% ▲ 0.20% above Missouri avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 0.20% above avgNationally 2.94%
Details

Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
Certificates of Deposit D - 18-month
$1,000
3.10% ▲ 0.20% above Missouri avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 0.20% above avgNationally 2.94%
Details

Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
IRA Certificates of Deposit - 18-month
$1,000
3.10% ▲ 0.20% above Missouri avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 0.20% above avgNationally 2.94%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 3.10% APY · checked 8 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
5.00% ▲ 2.10% above Missouri avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.90%▲ 2.10% above avgNationally 2.94%
Details

See Fair Special options; second rate column under Preferred Rate with any checking account heading; for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00

Rate History
1 change since Oct 21, 2026 · 4.90% → 5.00% ▲ 0.10 pts · high 5.00% / low 4.90%
  • Oct 26, 20265.00%▲ from 4.90%
  • Oct 21, 20264.90%first recorded
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90% ▲ 2.00% above Missouri avg
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.90%▲ 2.00% above avgNationally 2.94%
Details

See Fair Special options; Preferred Rate with any checking account (first rate column); for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00

Rate History
No change since Oct 21, 2026 · 4.90% APY · checked 4 times
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18-Month CD
$1,000
4.56% ▲ 1.66% above Missouri avg
▼
Rate4.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 1.66% above avgNationally 2.94%
Details

Compounding: Quarterly; Availability: Open Online

Rate History
No change since Oct 31, 2026 · 4.56% APY · checked 3 times
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA 18 Month Certificate
$500
4.50% ▲ 1.60% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.90%▲ 1.60% above avgNationally 2.94%
Details

Compounds Semi-Annually

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 4 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.55% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 1.55% above avgNationally 2.94%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 Month Certificate of Deposit
$500
4.40% ▲ 1.50% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.90%▲ 1.50% above avgNationally 2.94%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Certificate of Deposit - 18 Month - Special
$1,000
4.40% ▲ 1.50% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.90%▲ 1.50% above avgNationally 2.94%
Details

Rate History
No change since Nov 8, 2026 · 4.40% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 18 Months Jumbo IRA
$100,000
4.39% ▲ 1.49% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.90%▲ 1.49% above avgNationally 2.94%
Details

Rate History
No change since Oct 19, 2026 · 4.39% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 18 Months Jumbo+
$100,000
4.37% ▲ 1.47% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.90%▲ 1.47% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.37% ▲ 0.12 pts · high 4.37% / low 4.25%
  • Oct 19, 20264.37%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$1,000
4.35% ▲ 1.45% above Missouri avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.90%▲ 1.45% above avgNationally 2.94%
Details

Compounds Semi-Annually

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 4 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Rising CD 18-Month
$5,000
4.35% ▲ 1.45% above Missouri avg
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.90%▲ 1.45% above avgNationally 2.94%
Details

Interest credited every 3 months; FDIC insured; Account maximum $1,000,000

Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
  • Oct 6, 20264.35%▲ from 3.05%
  • Sep 24, 20263.05%first recorded

Ofallon 24 Month CD Rates

Missouri 24 Month CD Average2.97% APYNational 2.94%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 24 month
$500
4.00% ▲ 1.03% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.97%▲ 1.03% above avgNationally 2.94%
Details

Compounding and Crediting Frequency: Annually

Rate History
1 change since Oct 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
  • Nov 9, 20264.00%▲ from 3.55%
  • Oct 14, 20263.55%first recorded
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
24 Month Certificates of Deposit
$1,000
3.00% ▲ 0.03% above Missouri avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.97%▲ 0.03% above avgNationally 2.94%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
Certificates of Deposit D - 24-month
$1,000
3.00% ▲ 0.03% above Missouri avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.97%▲ 0.03% above avgNationally 2.94%
Details

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 6 times
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
300 Woodlawn Ave, OFallon, MO 63366
IRA Certificates of Deposit - 24-month
$1,000
3.00% ▲ 0.03% above Missouri avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.97%▲ 0.03% above avgNationally 2.94%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 8 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
24 Month Certificate of Deposit
$1,000
1.91% ▼ 1.06% below Missouri avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.97%▼ 1.06% below avgNationally 2.94%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 1.91% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.84% above Missouri avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.97%▲ 1.84% above avgNationally 2.94%
Details

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificate - 2 Year
$0
4.75% ▲ 1.78% above Missouri avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.97%▲ 1.78% above avgNationally 2.94%
Details

Regular minimum balance $500.00; IRA minimum balance $500.00

Rate History
1 change since Oct 9, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
  • Oct 29, 20264.75%▲ from 3.75%
  • Oct 9, 20263.75%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 24 Month
$7,500
4.58% ▲ 1.61% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.97%▲ 1.61% above avgNationally 2.94%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.58% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55% ▲ 1.58% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.97%▲ 1.58% above avgNationally 2.94%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 6 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CDs
$0
4.50% ▲ 1.53% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.97%▲ 1.53% above avgNationally 2.94%
Details

Rate History
2 changes since Sep 18, 2026 · 3.40% → 4.50% ▲ 1.10 pts · high 4.50% / low 3.40%
  • Nov 5, 20264.50%▲ from 4.35%
  • Oct 14, 20264.35%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 24 Months Jumbo IRA
$100,000
4.44% ▲ 1.47% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.97%▲ 1.47% above avgNationally 2.94%
Details

Rate History
No change since Oct 19, 2026 · 4.44% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 24 Months Jumbo+
$100,000
4.42% ▲ 1.45% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.97%▲ 1.45% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
  • Oct 19, 20264.42%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month Certificate
$0
4.40% ▲ 1.43% above Missouri avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.97%▲ 1.43% above avgNationally 2.94%
Details

Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00

Rate History
1 change since Oct 21, 2026 · 3.97% → 4.40% ▲ 0.43 pts · high 4.40% / low 3.97%
  • Oct 26, 20264.40%▲ from 3.97%
  • Oct 21, 20263.97%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2 Year Certificate
$0
4.40% ▲ 1.43% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.97%▲ 1.43% above avgNationally 2.94%
Details

Rates as of 11/2/26

Rate History
1 change since Sep 12, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00%
  • Nov 7, 20264.40%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate of Deposit
$0
4.39% ▲ 1.42% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.97%▲ 1.42% above avgNationally 2.94%
Details

Term: 24 months to 35 months; Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.39% APY · checked 6 times

Ofallon 36 Month CD Rates

Missouri 36 Month CD Average2.77% APYNational 2.84%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 36 month
$500
3.55% ▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.84%
Details

Compounding and Crediting Frequency: Annually

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 7 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
36 Month Certificate of Deposit
$1,000
2.12% ▼ 0.65% below Missouri avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.77%▼ 0.65% below avgNationally 2.84%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 2.12% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71% ▲ 1.94% above Missouri avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.84%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 6 times
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
36-Month CD Special
$1,000
4.70% ▲ 1.93% above Missouri avg
▼
Rate4.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.77%▲ 1.93% above avgNationally 2.84%
Details

Special rate; Open account

Rate History
No change since Nov 5, 2026 · 4.70% APY · checked 2 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificate - 3 Year
$0
4.70% ▲ 1.93% above Missouri avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 8, 2026
Missouri Average2.77%▲ 1.93% above avgNationally 2.84%
Details

Regular minimum balance $500.00; IRA minimum balance $500.00

Rate History
1 change since Oct 9, 2026 · 3.75% → 4.70% ▲ 0.95 pts · high 4.70% / low 3.75%
  • Oct 29, 20264.70%▲ from 3.75%
  • Oct 9, 20263.75%first recorded
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month Certificate
$0
4.60% ▲ 1.83% above Missouri avg
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.77%▲ 1.83% above avgNationally 2.84%
Details

Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00

Rate History
1 change since Oct 21, 2026 · 3.44% → 4.60% ▲ 1.16 pts · high 4.60% / low 3.44%
  • Oct 26, 20264.60%▲ from 3.44%
  • Oct 21, 20263.44%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 36 Month
$7,500
4.58% ▲ 1.81% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.84%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.58% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.84%
Details

Rate History
No change since Oct 19, 2026 · 4.54% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 36 Months Jumbo+
$100,000
4.52% ▲ 1.75% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 1.75% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
  • Oct 19, 20264.52%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month Certificate
$0
4.50% ▲ 1.73% above Missouri avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.77%▲ 1.73% above avgNationally 2.84%
Details

Preferred Rate with any checking account (first rate column); APY* minimum balance to open and obtain APY $500.00

Rate History
1 change since Oct 21, 2026 · 3.44% → 4.50% ▲ 1.06 pts · high 4.50% / low 3.44%
  • Oct 26, 20264.50%▲ from 3.44%
  • Oct 21, 20263.44%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate of Deposit
$0
4.49% ▲ 1.72% above Missouri avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.77%▲ 1.72% above avgNationally 2.84%
Details

Term: 36 months to 47 months; Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.49% APY · checked 6 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 36 Months Jumbo
$10,000
4.47% ▲ 1.70% above Missouri avg
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 1.70% above avgNationally 2.84%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.47% ▲ 0.22 pts · high 4.47% / low 4.25%
  • Oct 19, 20264.47%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40% ▲ 1.63% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.77%▲ 1.63% above avgNationally 2.84%
Details

Current CD rate promotion; APY accurate as of 10/13/2026; terms and conditions apply

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 7 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate of Deposit
$0
4.39% ▲ 1.62% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.84%
Details

Term: 36 months to 47 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.39% APY · checked 6 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 36 Months
$500
4.39% ▲ 1.62% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.84%
Details

Rate History
No change since Oct 19, 2026 · 4.39% APY · checked 5 times

Ofallon 48 Month CD Rates

Missouri 48 Month CD Average2.80% APYNational 2.83%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 48 month
$500
3.55% ▲ 0.75% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 0.75% above avgNationally 2.83%
Details

Compounding and Crediting Frequency: Annually

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 7 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
48 Month Certificate of Deposit
$1,000
2.22% ▼ 0.58% below Missouri avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.80%▼ 0.58% below avgNationally 2.83%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 2.22% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 48 Months Jumbo IRA
$100,000
5.01% ▲ 2.21% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 2.21% above avgNationally 2.83%
Details

Rate History
No change since Oct 19, 2026 · 5.01% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 48 Months Jumbo+
$100,000
4.99% ▲ 2.19% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 2.19% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.99% ▲ 0.44 pts · high 4.99% / low 4.55%
  • Oct 19, 20264.99%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 48 Months Jumbo
$10,000
4.94% ▲ 2.14% above Missouri avg
▼
Rate4.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 2.14% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.94% ▲ 0.44 pts · high 4.94% / low 4.50%
  • Oct 19, 20264.94%▲ from 4.50%
  • Sep 14, 20264.50%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 48 Months
$500
4.85% ▲ 2.05% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 2.05% above avgNationally 2.83%
Details

Rate History
No change since Oct 19, 2026 · 4.85% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 48 Months
$500
4.84% ▲ 2.04% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 2.04% above avgNationally 2.83%
Details

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.84% ▲ 0.44 pts · high 4.84% / low 4.40%
  • Oct 19, 20264.84%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate of Deposit
$0
4.59% ▲ 1.79% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.80%▲ 1.79% above avgNationally 2.83%
Details

Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 6 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 48 Month
$7,500
4.58% ▲ 1.78% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 1.78% above avgNationally 2.83%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.58% APY · checked 5 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$100
4.58% ▲ 1.78% above Missouri avg
▼
Rate4.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.80%▲ 1.78% above avgNationally 2.83%
Details

Rate History
2 changes since Sep 11, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
  • Nov 6, 20264.58%▲ from 4.42%
  • Oct 21, 20264.42%▲ from 4.32%
  • Sep 11, 20264.32%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate of Deposit
$0
4.49% ▲ 1.69% above Missouri avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.80%▲ 1.69% above avgNationally 2.83%
Details

Term: 48 months to 59 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.49% APY · checked 6 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
48 Month CD or IRA CD
$500
4.40% ▲ 1.60% above Missouri avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.80%▲ 1.60% above avgNationally 2.83%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 15 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month Certificate
$0
4.39% ▲ 1.59% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.80%▲ 1.59% above avgNationally 2.83%
Details

Rate History
1 change since Oct 10, 2026 · 3.30% → 4.39% ▲ 1.09 pts · high 4.39% / low 3.30%
  • Nov 9, 20264.39%▲ from 3.30%
  • Oct 10, 20263.30%first recorded
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48-Month CD
$1,000
4.30% ▲ 1.50% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.80%▲ 1.50% above avgNationally 2.83%
Details

Open online or at any CapFed branch; $1,000 minimum balance to open and earn APY; interest compounded daily and paid quarterly

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 4 times
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
Certificate of Deposit - 48 Month
$0
4.25% ▲ 1.45% above Missouri avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.80%▲ 1.45% above avgNationally 2.83%
Details

Early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 7 times

Ofallon 60 Month CD Rates

Missouri 60 Month CD Average2.88% APYNational 2.94%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
771 Caledonia Parkway, OFallon, MO 63368
Certificates of Deposit (CDs) - 60 month
$500
3.50% ▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 0.62% above avgNationally 2.94%
Details

Compounding and Crediting Frequency: Annually

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 7 times
Peoples Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.19%
1310 N Main St, OFallon, MO 63366
60 Month Certificate of Deposit
$1,000
2.42% ▼ 0.46% below Missouri avg
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.88%▼ 0.46% below avgNationally 2.94%
Details

APY accurate as of 11/02/2026; early withdrawal subject to penalty

Rate History
No change since Sep 19, 2026 · 2.42% APY · checked 5 times
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate of Deposit
$0
4.70% ▲ 1.82% above Missouri avg
▼
Rate4.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.88%▲ 1.82% above avgNationally 2.94%
Details

Balance: $100,000.00 and over; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.70% APY · checked 6 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 60 Months Jumbo IRA
$100,000
4.70% ▲ 1.82% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.82% above avgNationally 2.94%
Details

Rate History
No change since Oct 19, 2026 · 4.70% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 60 Months Jumbo+
$100,000
4.68% ▲ 1.80% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.80% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
  • Oct 19, 20264.68%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 60 Months Jumbo
$10,000
4.63% ▲ 1.75% above Missouri avg
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.75% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40%
  • Oct 19, 20264.63%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate of Deposit
$0
4.59% ▲ 1.71% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.88%▲ 1.71% above avgNationally 2.94%
Details

Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026

Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 6 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
75th Anniversary Certificates of Deposit 60 Month
$7,500
4.58% ▲ 1.70% above Missouri avg
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.70% above avgNationally 2.94%
Details

Effective date 10/1/26

Rate History
No change since Oct 19, 2026 · 4.58% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificate - 60 Months
$500
4.54% ▲ 1.66% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.66% above avgNationally 2.94%
Details

Rate History
No change since Oct 19, 2026 · 4.54% APY · checked 5 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificates (CDs) - 60 Months
$500
4.52% ▲ 1.64% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.64% above avgNationally 2.94%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
  • Oct 19, 20264.52%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
60 Month CD or IRA CD
$500
4.45% ▲ 1.57% above Missouri avg
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.88%▲ 1.57% above avgNationally 2.94%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 15 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.45% ▲ 1.57% above Missouri avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.88%▲ 1.57% above avgNationally 2.94%
Details

Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00

Rate History
1 change since Oct 21, 2026 · 4.34% → 4.45% ▲ 0.11 pts · high 4.45% / low 4.34%
  • Oct 26, 20264.45%▲ from 4.34%
  • Oct 21, 20264.34%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate
$0
4.39% ▲ 1.51% above Missouri avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 9, 2026
Missouri Average2.88%▲ 1.51% above avgNationally 2.94%
Details

Rate History
1 change since Oct 10, 2026 · 3.35% → 4.39% ▲ 1.04 pts · high 4.39% / low 3.35%
  • Nov 9, 20264.39%▲ from 3.35%
  • Oct 10, 20263.35%first recorded
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.34% ▲ 1.46% above Missouri avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedNov 6, 2026
Missouri Average2.88%▲ 1.46% above avgNationally 2.94%
Details

Preferred Rate with any checking account (first rate column); APY* minimum balance to open and obtain APY $500.00

Rate History
No change since Oct 21, 2026 · 4.34% APY · checked 4 times
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Certificates of Deposit - 60 Months Special
$1,000
4.30% ▲ 1.42% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedNov 11, 2026
Missouri Average2.88%▲ 1.42% above avgNationally 2.94%
Details

Special CD; Click to Open CD; Available as IRA in Branch; APY accurate as of May 19, 2026; interest compounded and credited quarterly; penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 8 times
Powered by MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Ofallon, Missouri Institutions

Highest verified APYs available today, updated November 12, 2026

B Top 5 Bank Rates
FSB of St. Charles, MO
12 Month Certificates of Deposit
A+ 5.0 ★ TX: 2.35%
Min: $1,000
3.25%
Peoples Bank & Trust Co.
60 Month Certificate of Deposit
A- 5.0 ★ TX: 14.19%
Min: $1,000
2.42%
Bank of Franklin County
18 Month YOUTH Fair CD Special
A+ 5.0 ★ TX: 3.97%
Min: $0
5.00%
Great Rivers Bank
Certificate of Deposit - 6 Month Special Limited Time
A+ 5.0 ★ TX: 0.77%
Min: $0
5.00%
North American Savings Bank (NASB)
12-Month Jumbo CD Special
A+ 5.0 ★ TX: 4.31%
Min: $100,000
4.70%
CU Top 5 Credit Union Rates
First Community Credit Union
Certificates of Deposit (CDs) - 12 month
A+ 5.0 ★ TX: 3.75%
Min: $500
4.20%
Century Credit Union
6 Month Teen CD
A+ 5.0 ★ TX: 1.27%
Min: $100
10.00%
Southeast Missouri Community Credit Union
Certificate of Deposit - 12 Month Youth
A+ 5.0 ★ TX: 1.03%
Min: $100
6.14%
De Soto Mo Pac Credit Union
1 Year Certificate of Deposit
A 5.0 ★ TX: 8.77%
Min: $5,000
5.09%
MECE Credit Union
IRA & HSA Certificate - 48 Months Jumbo IRA
A+ 5.0 ★ TX: 0.67%
Min: $100,000
5.01%
Rates verified November 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

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.

View Full Missouri CD Trends
12-Month CD MO Avg
3.141%
▲ 0.008 vs 7 days ago

Missouri 12-month CD rates rose 0.008 points over the past 7 days to 3.141% APY.

6-Month CD MO Avg
2.909%
▼ 0.001 vs 7 days ago

Missouri 6-month CD rates fell 0.001 points over the past 7 days to 2.909% APY.

As of Nov 12, 2026 • Rate data sourced from 8,500+ monitored institutions

MO CD Rate Forecast, Next 12 Months

Where are Missouri CD rates headed through November 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MO 12-Month Avg APY
3.141%
6-Month Forecast
3.141%
Range: 2.94%, 3.29%
12-Month Forecast
3.391%
Range: 3.19%, 3.54%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Missouri average 12-month CD APY in our database.

Spread model: The Missouri 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at MO CD Rates Today

Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.

CD Term MO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.914% $95.71 $191.42 $478.55 $957.10
6-Month CD 2.909% $145.46 $290.92 $727.30 $1,454.60
12-Month CD 3.141% $157.05 $314.11 $785.27 $1,570.55
18-Month CD 2.901% $145.05 $290.10 $725.25 $1,450.50
24-Month CD 2.968% $148.39 $296.77 $741.93 $1,483.85
36-Month CD 2.771% $138.54 $277.07 $692.68 $1,385.35
48-Month CD 2.803% $140.15 $280.29 $700.73 $1,401.45
60-Month CD 2.885% $144.23 $288.45 $721.13 $1,442.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026.
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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.

Build Your Ladder
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 1.914% $95.71
2 6-Month CD $5,000 2.909% $145.46
3 12-Month CD $5,000 3.141% $157.05
4 24-Month CD $5,000 2.968% $148.39
5 36-Month CD $5,000 2.771% $138.54
Total ($25,000 invested) $25,000 2.741% blended $685.15/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.

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1,542
CD Rates
Tracked in Ofallon, Missouri
89 Banks 56 Credit Unions

About Our Ofallon, Missouri CD Rate Database

MonitorBankRates tracks 1,542 CD rates from 89 banks and 56 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: First Community Credit Union offers a CD at 4.20% 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 56 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: 145 institutions here report CD rates

Consider an Alternative If…

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
$134/yr
At MO 12-mo avg 3.141% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.141%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $134 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

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.

CD Terms

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 Certificates of Deposit (CDs) - 6 month at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Community Credit Union is offering its Certificates of Deposit (CDs) - 60 month at 3.50% 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

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

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

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

What are CD rates in Ofallon, Missouri today?

Ofallon, Missouri CD rates range from 0.75% to 10.00% APY as of November 12, 2026, verified by MonitorBankRates. Top rates include 4.20% APY at First Community Credit Union (Certificates of Deposit (CDs) - 12 month), 3.25% at FSB of St. Charles, MO (12 Month Certificates of Deposit) and 2.42% at Peoples Bank & Trust Co. (60 Month Certificate of Deposit), compared with the MonitorBankRates national 12 month average of 3.03% APY.

Are CD rates in Ofallon, Missouri FDIC insured?

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

Here are recent top rates found for this area:
  • First Community Credit Union: 4.20% APY (Certificates of Deposit (CDs) - 12 month)
  • FSB of St. Charles, MO: 3.25% APY (12 Month Certificates of Deposit)
  • Peoples Bank & Trust Co.: 2.42% APY (60 Month Certificate of Deposit)
  • Century Credit Union: 10.00% APY (6 Month Teen CD)
  • Southeast Missouri Community Credit Union: 6.14% APY (Certificate of Deposit - 12 Month Youth)
  • De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
  • MECE Credit Union: 5.01% APY (IRA & HSA Certificate - 48 Months Jumbo IRA)
  • Bank of Franklin County: 5.00% APY (18 Month YOUTH Fair CD Special)
  • Great Rivers Bank: 5.00% APY (Certificate of Deposit - 6 Month Special Limited Time)
  • Members 1st Credit Union Saint Louis, MO: 4.84% APY (75th Anniversary Certificates of Deposit 12 Month)
Rates reflect recent verified offers available in Ofallon, Missouri. Last Updated: November 12, 2026

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.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Ofallon, Missouri CD Rates by Term

Verified November 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Ofallon, Missouri. Averages shown use the Missouri state average where available, national otherwise. See the full rate tables above for all offers.

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.

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: November 12, 2026

Ofallon, Missouri Rates & Resources