Oran, Missouri Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Oran, Missouri CD rates from banks and credit unions serving Missouri range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Oran, Missouri CD rates include 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, Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit UnionA+5.0 ★Texas Ratio: 1.03%Real return: +3.34%APY minus CPI (February 2026) offering 12 Month Certificates of Deposit - Youth at 6.14% APY, Edward Jones Trust CompanyEdward Jones Trust CompanyA+5.0 ★Texas Ratio: 0.00%Real return: +2.40%APY minus CPI (February 2026) offering 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY, 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, and National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Oran is a smaller community with no bank or credit union branches currently in our database. 790 institutions serving the Missouri area are available to Oran residents, with CD rates as high as 10.00% APY from Century Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Oran, Missouri & the Surrounding Area
Oran 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month FDIC-Insured Certificate of Deposit
$0
4.15%
▲ 2.21% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 2.21% above avgNationally 2.09%
Details
Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
- Oct 3, 20264.15%▼ from 4.20%
- Sep 27, 20264.20%▲ from 4.10%
- Sep 24, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08%
▲ 2.14% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.14% above avgNationally 2.09%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 Month
$0
4.06%
▲ 2.12% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.12% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3-Month CD
$0
4.05%
▲ 2.11% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.11% above avgNationally 2.09%
Details
Compounding: At maturity; Availability: Open Online
Rate History
No change since Oct 14, 2026 · 4.05% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months Jumbo IRA
$100,000
4.02%
▲ 2.08% above Missouri avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.08% above avgNationally 2.09%
Details
Rate History
No change since Oct 10, 2026 · 4.02% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months Jumbo+
$100,000
4.01%
▲ 2.07% above Missouri avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.07% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 4.01% APY
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 2.06% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.06% above avgNationally 2.09%
Details
Interest credited At Maturity; FDIC insured: Yes; Account maximum $500,000
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months Jumbo
$10,000
3.96%
▲ 2.02% above Missouri avg
▼
Rate3.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.02% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.96% APY
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
3-Month CD
$0
3.90%
▲ 1.96% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.96% above avgNationally 2.09%
Details
Minimum balance $500.
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months
$500
3.87%
▲ 1.93% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.93% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 10, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Interest paid at term or maturity of CD
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 9 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 10, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 10, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate
$0
3.75%
▲ 1.81% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 3 Month
$0
3.75%
▲ 1.81% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
90 Day CD Special
$0
3.65%
▲ 1.71% above Missouri avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details
Preferred Rate with any checking account; Rate: 3.70%, APY: 3.75%
Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 7 times
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day CD
$1,000
3.65%
▲ 1.71% above Missouri avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
$0
3.61%
▲ 1.67% above Missouri avg
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.67% above avgNationally 2.09%
Details
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
- Oct 7, 20263.61%▲ from 3.51%
- Sep 11, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60%
▲ 1.66% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
CommunityAmerica Credit Union
3 Month Business Share Certificate
$500
3.60%
▲ 1.66% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
CommunityAmerica Credit Union
3 Month Share Certificate
$500
3.60%
▲ 1.66% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
3 Month IRA CD
$0
3.55%
▲ 1.61% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.61% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.46% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month CD
$1,000
3.40%
▲ 1.46% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details
APY* (In Branch)
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 7 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month CD/IRA
$0
3.35%
▲ 1.41% above Missouri avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.41% above avgNationally 2.09%
Details
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 7, 20263.35%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate of Deposit
$1,000
3.25%
▲ 1.31% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.31% above avgNationally 2.09%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 3 Months
$500
3.19%
▲ 1.25% above Missouri avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.25% above avgNationally 2.09%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.19% APY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 3 Month
$0
3.03%
▲ 1.09% above Missouri avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
3.02%
▲ 1.08% above Missouri avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.08% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 90 Day
$0
3.00%
▲ 1.06% above Missouri avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 90 Day
$0
3.00%
▲ 1.06% above Missouri avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
3 Month Certificate
$0
3.00%
▲ 1.06% above Missouri avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3 Month Share Certificate
$0
2.95%
▲ 1.01% above Missouri avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average1.94%▲ 1.01% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90%
▲ 0.96% above Missouri avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.96% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.88%
▲ 0.94% above Missouri avg
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.94% above avgNationally 2.09%
Details
Balance: $100,000.00+
Rate History
No change since Oct 8, 2026 · 2.88% APY · checked 2 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.83%
▲ 0.89% above Missouri avg
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.89% above avgNationally 2.09%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 8, 2026 · 2.83% APY · checked 2 times
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.78%
▲ 0.84% above Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.84% above avgNationally 2.09%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3 Month CD
$500
2.69%
▲ 0.75% above Missouri avg
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 0.75% above avgNationally 2.09%
Details
Compounding: at maturity
Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 7 times
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3 Month CD
$1,000
2.60%
▲ 0.66% above Missouri avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 0.66% above avgNationally 2.09%
Details
CD Only
Rate History
1 change since Sep 18, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
- Oct 7, 20262.60%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month IRA Certificate
$1,000
2.52%
▲ 0.58% above Missouri avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.58% above avgNationally 2.09%
Details
Compounded Maturity
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 6 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Business CDs
$0
2.45%
▲ 0.51% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 0.51% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
3 Month CD
$1,000
2.27%
▲ 0.33% above Missouri avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.33% above avgNationally 2.09%
Details
Certificate dividends paid monthly; Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 3 Months
$1,000
2.15%
▲ 0.21% above Missouri avg
▼
Rate2.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.21% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Month Certificate of Deposit
$1,000
2.02%
▲ 0.08% above Missouri avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.08% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Certificate of Deposit - 3 months
$5,000
2.02%
▲ 0.08% above Missouri avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.08% above avgNationally 2.09%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 3 months
$0
2.02%
▲ 0.08% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.08% above avgNationally 2.09%
Details
$1,000 minimum balance
Rate History
No change since Oct 13, 2026 · 2.02% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00%
▲ 0.06% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 0.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Month Certificates of Deposit
$1,000
2.00%
▲ 0.06% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.10% below Missouri avg
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▼ 0.10% below avgNationally 2.09%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Rate History
No change since Sep 19, 2026 · 1.84% APY · checked 7 times
Oran 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Teen CD
$1,000
10.00%
▲ 7.09% above Missouri avg
▼
Rate9.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.77%
Details
max $1,000
Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 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 UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.77%
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 14, 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
$0
4.75%
▲ 1.84% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.77%
Details
Featured rate
Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 5 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.67% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.77%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month FDIC-Insured Certificate of Deposit
$0
4.30%
▲ 1.39% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.25%
- Oct 3, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
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 UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 9, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24%
▲ 1.33% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.77%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months Jumbo IRA
$100,000
4.23%
▲ 1.32% above Missouri avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.77%
Details
Rate History
No change since Oct 10, 2026 · 4.23% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 6 Months Jumbo+
$100,000
4.22%
▲ 1.31% above Missouri avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.31% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 4.22% APY
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$2,000
4.19%
▲ 1.28% above Missouri avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.28% above avgNationally 2.77%
Details
Rate History
No change since Oct 11, 2026 · 4.19% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 6 Months Jumbo
$10,000
4.16%
▲ 1.25% above Missouri avg
▼
Rate4.10%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.25% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 4.16% APY
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 6 Month
$0
4.14%
▲ 1.23% above Missouri avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.23% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.14% APY · checked 2 times
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
3 or 6 Month CD
$1,000
4.10%
▲ 1.19% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.19% above avgNationally 2.77%
Details
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.
Rate History
1 change since Sep 7, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 19, 20264.10%▲ from 3.85%
- Sep 7, 20263.85%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit - 6-Month Special
$0
4.09%
▲ 1.18% above Missouri avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.18% above avgNationally 2.77%
Details
Special rate; APY effective October 1, 2026; Penalty for early withdrawal applies
Rate History
No change since Oct 14, 2026 · 4.09% APY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 6 Months
$500
4.07%
▲ 1.16% above Missouri avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 4.07% APY
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
CD Terms - 6 Month
$0
4.07%
▲ 1.16% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details
As of 10/01/2026
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months
$500
4.07%
▲ 1.16% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Oct 10, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$500
4.06%
▲ 1.15% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.15% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 10, 20264.06%▲ from 3.96%
- Sep 14, 20263.96%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 6 Months
$500
4.06%
▲ 1.15% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.15% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 10, 20264.06%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
6 Month Business CD
$1,000
4.05%
▲ 1.14% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.77%
Details
Early withdrawal: 3 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 6-Month
$1,000
4.05%
▲ 1.14% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.77%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00%
▲ 1.09% above Missouri avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
FEATURED RATE
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 months
$0
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Featured rate; APY includes .25% Club Benefit Earned payment; youth certificate for members age 17 and under; Club Benefit payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 5 times
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
6 Month Certificate
$0
4.00%
▲ 1.09% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Short Term and IRA Short Term Certificates
$500
4.00%
▲ 1.09% above Missouri avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
6 Month CD or IRA CD
$500
3.95%
▲ 1.04% above Missouri avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.04% above avgNationally 2.77%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 3.95% APY · checked 9 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
6-Month CD
$0
3.95%
▲ 1.04% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.04% above avgNationally 2.77%
Details
Minimum balance $500.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 6-Month
$0
3.91%
▲ 1.00% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.00% above avgNationally 2.77%
Details
Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.91% ▲ 0.20 pts · high 3.91% / low 3.71%
- Oct 9, 20263.91%▲ from 3.71%
- Sep 14, 20263.71%first recorded
HNB National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.90%
▲ 0.99% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.99% above avgNationally 2.77%
Details
Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 5 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
6 Month Term Shares Certificate
$0
3.89%
▲ 0.98% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.98% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.89% APY · checked 4 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 6-Month
$0
3.86%
▲ 0.95% above Missouri avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.95% above avgNationally 2.77%
Details
Balance: $10,000 - $24,999; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.86% ▲ 0.15 pts · high 3.86% / low 3.71%
- Oct 9, 20263.86%▲ from 3.71%
- Sep 14, 20263.71%first recorded
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Personal CD - 6 month
$1,000
3.85%
▲ 0.94% above Missouri avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.94% above avgNationally 2.77%
Details
Min Balance to Obtain APY: $0.01; Min Opening Deposit: $1,000.00; Open Online
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.85%
▲ 0.94% above Missouri avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.94% above avgNationally 2.77%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 8, 20263.85%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 6-Month
$0
3.81%
▲ 0.90% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.90% above avgNationally 2.77%
Details
Balance: $0 - $9,999; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71%
- Oct 9, 20263.81%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate of Deposit
$0
3.80%
▲ 0.89% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
- Oct 10, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Business In-House Specials - Certificates of Deposit
$5,000
3.80%
▲ 0.89% above Missouri avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month In-House Specials - Certificates of Deposit
$5,000
3.80%
▲ 0.89% above Missouri avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80%
▲ 0.89% above Missouri avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
3.75%
▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Featured Rate
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 6 months
$0
3.75%
▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Featured rate; Penalties may apply for early withdrawals
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75%
▲ 0.84% above Missouri avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
6 Month Share Certificate
$500
3.75%
▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Share certificates effective 10/01/2025; rate type not labeled on page
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 4 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 6 Month
$0
3.75%
▲ 0.84% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Missouri Baptist Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.43%
6 Month Certificate of Deposit
$500
3.75%
▲ 0.84% above Missouri avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Compounding and Crediting Frequency: Maturity
Rate History
No change since Oct 14, 2026 · 3.75% APY
Oran 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month Certificates of Deposit - Youth
$100
6.14%
▲ 3.04% above Missouri avg
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 3.04% above avgNationally 2.99%
Details
Youth certificate; $100.00 Minimum; $1000.00 Maximum
Rate History
No change since Oct 14, 2026 · 6.14% APY
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
1 Year Certificate of Deposit
$5,000
5.09%
▲ 1.99% above Missouri avg
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.99% above avgNationally 2.99%
Details
Maximum $100,000.00 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 6 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 1.50% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.50% above avgNationally 2.99%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
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
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year FDIC-Insured Certificate of Deposit
$0
4.55%
▲ 1.45% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.45% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
- Oct 7, 20264.55%▲ from 4.50%
- Oct 3, 20264.50%▲ from 4.37%
- Sep 27, 20264.37%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50%
▲ 1.40% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.40% above avgNationally 2.99%
Details
Rate History
1 change since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 14, 20264.50%▲ from 3.50%
- Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50%
▲ 1.40% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 5 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 12 Month
$0
4.40%
▲ 1.30% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.30% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
- Oct 9, 20264.40%▲ from 4.10%
- Sep 14, 20264.10%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - Youth 12 Month
$0
4.40%
▲ 1.30% above Missouri avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39%
▲ 1.29% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months Jumbo IRA
$100,000
4.39%
▲ 1.29% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details
Rate History
No change since Oct 10, 2026 · 4.39% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 12 Months Jumbo+
$100,000
4.37%
▲ 1.27% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.27% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.37% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.25% above Missouri avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.25% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35%
▲ 1.25% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.25% above avgNationally 2.99%
Details
Featured rate; Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 12 Months Jumbo
$10,000
4.32%
▲ 1.22% above Missouri avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.32% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.25%
▲ 1.15% above Missouri avg
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details
Compound Method: Quarterly
Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
- Oct 7, 20264.25%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.00%
- Sep 19, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 12 Months
$500
4.25%
▲ 1.15% above Missouri avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 13, 20264.25%▲ from 4.18%
- Oct 1, 20264.18%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 1-Year
$1,000
4.25%
▲ 1.15% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 6, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months
$500
4.23%
▲ 1.13% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.13% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 10, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
4.22%
▲ 1.12% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
- Oct 10, 20264.22%▲ from 4.16%
- Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 12 Months
$500
4.22%
▲ 1.12% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
- Oct 10, 20264.22%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 12-Month
$500
4.20%
▲ 1.10% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.10% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 1 year
$0
4.20%
▲ 1.10% above Missouri avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.10% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
4.19%
▲ 1.09% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.09% above avgNationally 2.99%
Details
Rate History
No change since Oct 11, 2026 · 4.19% APY
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit - 12-Month Special
$0
4.15%
▲ 1.05% above Missouri avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.05% above avgNationally 2.99%
Details
Special rate; APY effective October 1, 2026; Penalty for early withdrawal applies
Rate History
No change since Oct 14, 2026 · 4.15% APY
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Share Certificate - 12-Month IRA
$0
4.11%
▲ 1.01% above Missouri avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.01% above avgNationally 2.99%
Details
Balance: $25,000 and over
Rate History
No change since Oct 13, 2026 · 4.11% APY
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 12-Month
$0
4.11%
▲ 1.01% above Missouri avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.01% above avgNationally 2.99%
Details
Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
- Oct 9, 20264.11%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.00% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.00% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
12 Month CD
$1,000
4.10%
▲ 1.00% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.00% above avgNationally 2.99%
Details
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.
Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 7 times
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 MONTHS IRA
$500
4.09%
▲ 0.99% above Missouri avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.99% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 6 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12 Month Term Shares Certificate
$0
4.08%
▲ 0.98% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.08% ▲ 0.38 pts · high 4.08% / low 3.70%
- Oct 4, 20264.08%▲ from 3.70%
- Sep 25, 20263.70%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
12 Month Children's Certificate
$100
4.07%
▲ 0.97% above Missouri avg
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.97% above avgNationally 2.99%
Details
Children's certificate; Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 4.07% APY
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1 Year CD
$1,000
4.06%
▲ 0.96% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1 Year IRA
$250
4.06%
▲ 0.96% above Missouri avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Share Certificate - 12-Month IRA
$0
4.06%
▲ 0.96% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.96% above avgNationally 2.99%
Details
Balance: $10,000 - $24,999
Rate History
No change since Oct 13, 2026 · 4.06% APY
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 12-Month
$0
4.06%
▲ 0.96% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.96% above avgNationally 2.99%
Details
Balance: $10,000 - $24,999; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 9, 20264.06%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.95% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.95% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
12 Month Business CD
$1,000
4.05%
▲ 0.95% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.95% above avgNationally 2.99%
Details
Early withdrawal: 3 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
12 Month CD or IRA CD
$500
4.05%
▲ 0.95% above Missouri avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.95% above avgNationally 2.99%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month Jumbo CD
$50,000
4.01%
▲ 0.91% above Missouri avg
▼
Rate3.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 0.91% above avgNationally 2.99%
Details
Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 12 Months
$1,000
4.01%
▲ 0.91% above Missouri avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.91% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.01% ▲ 0.11 pts · high 4.01% / low 3.90%
- Oct 13, 20264.01%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Share Certificate - 12-Month IRA
$0
4.01%
▲ 0.91% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.91% above avgNationally 2.99%
Details
Balance: $0 - $9,999
Rate History
No change since Oct 13, 2026 · 4.01% APY
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 12-Month
$0
4.01%
▲ 0.91% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.91% above avgNationally 2.99%
Details
Balance: $0 - $9,999; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 9, 20264.01%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.90% above Missouri avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Kansas City Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.29%
12 Month Share Certificates of Deposit (CDs)
$500
4.00%
▲ 0.90% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Certificate dividends are paid at maturity.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificates of Deposit (CDs)
$500
4.00%
▲ 0.90% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Compounding and Crediting Frequency: Maturity
Rate History
No change since Oct 14, 2026 · 4.00% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 12 months
$0
4.00%
▲ 0.90% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.90% above Missouri avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.96%
▲ 0.86% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.86% above avgNationally 2.99%
Details
Rate History
1 change since Sep 20, 2026 · 3.65% → 3.96% ▲ 0.31 pts · high 3.96% / low 3.65%
- Oct 8, 20263.96%▲ from 3.65%
- Sep 20, 20263.65%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month IRA Certificate
$500
3.94%
▲ 0.84% above Missouri avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.84% above avgNationally 2.99%
Details
Compounded Semi-Annually
Rate History
No change since Sep 14, 2026 · 3.94% APY · checked 6 times
HomePride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Individual Retirement Account (IRA) 12-month
$500
3.91%
▲ 0.81% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.81% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
Oran 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90%
▲ 1.95% above Missouri avg
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.95% above avgNationally 2.88%
Details
See Fair Special options; Preferred Rate with any checking account; Rate: 4.89%, APY: 5.00%
Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month FDIC-Insured Certificate of Deposit
$0
4.75%
▲ 1.80% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.80% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
- Oct 11, 20264.75%▲ from 4.70%
- Oct 3, 20264.70%▲ from 4.55%
- Sep 27, 20264.55%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 MONTHS IRA
$500
4.50%
▲ 1.55% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 18-Month
$500
4.40%
▲ 1.45% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.45% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 14, 20263.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.39%
▲ 1.44% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 10, 20264.39%▲ from 4.33%
- Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 18 Months Jumbo+
$100,000
4.37%
▲ 1.42% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.37% ▲ 0.12 pts · high 4.37% / low 4.25%
- Oct 14, 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 IRA Certificate
$500
4.35%
▲ 1.40% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details
Compounded Semi-Annually
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Rising CD 18-Month
$5,000
4.35%
▲ 1.40% above Missouri avg
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
- Oct 6, 20264.35%▲ from 3.05%
- Sep 24, 20263.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 18 Months Jumbo
$10,000
4.32%
▲ 1.37% above Missouri avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.37% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20%
- Oct 14, 20264.32%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18-Month CD
$0
4.31%
▲ 1.36% above Missouri avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.36% above avgNationally 2.88%
Details
Compounding: Quarterly; Availability: Open Online
Rate History
No change since Oct 14, 2026 · 4.31% APY
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Traditional 18-Month CD
$1,000
4.25%
▲ 1.30% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.88%
Details
Traditional CDs
Rate History
1 change since Sep 8, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 14, 20264.25%▲ from 3.00%
- Sep 8, 20263.00%first recorded
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.30% above Missouri avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.88%
Details
Balance: $5,000 and over
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months
$500
4.23%
▲ 1.28% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 10, 20264.23%▲ from 4.18%
- Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$500
4.22%
▲ 1.27% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
- Oct 10, 20264.22%▲ from 4.16%
- Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 18 Months
$500
4.22%
▲ 1.27% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
- Oct 10, 20264.22%▲ from 4.16%
- Sep 14, 20264.16%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17%
▲ 1.22% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.22% above avgNationally 2.88%
Details
Variable Rate
Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
- Oct 3, 20264.17%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.20% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15%
▲ 1.20% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
18 Month CD or IRA CD
$500
4.15%
▲ 1.20% above Missouri avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 9 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 18 Months
$1,000
4.15%
▲ 1.20% above Missouri avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
- Oct 13, 20264.15%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.15% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.15% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 1.05% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 18 months
$0
4.00%
▲ 1.05% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.88%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 18 months
$0
3.96%
▲ 1.01% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.01% above avgNationally 2.88%
Details
$1,000 minimum balance
Rate History
No change since Oct 13, 2026 · 3.96% APY
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Business In-House Specials - Certificates of Deposit
$5,000
3.85%
▲ 0.90% above Missouri avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month In-House Specials - Certificates of Deposit
$5,000
3.85%
▲ 0.90% above Missouri avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
18 Month IRA CD
$0
3.85%
▲ 0.90% above Missouri avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Premier CD
$25,000
3.85%
▲ 0.90% above Missouri avg
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 9, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.85% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.85% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.85% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.85% above Missouri avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 month ADVANTAGE CD/IRA
$0
3.76%
▲ 0.81% above Missouri avg
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Oct 7, 20263.76%▲ from 3.66%
- Sep 11, 20263.66%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18-Month
$500
3.75%
▲ 0.80% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 18 Month
$0
3.75%
▲ 0.80% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.88%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.80% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.88%
Details
Compounding and Crediting Frequency: Semi-annually
Rate History
No change since Oct 14, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.75% above Missouri avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Month CD Special
$1,000
3.70%
▲ 0.75% above Missouri avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details
Limited Time Only; Open Online (Opens in a new Window)
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 7 times
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Months SPECIAL
$1,000
3.70%
▲ 0.75% above Missouri avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 7 times
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
18-Month CD
$0
3.70%
▲ 0.75% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details
Minimum balance $500.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 18 months
$0
3.70%
▲ 0.75% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Classic CD
$500
3.65%
▲ 0.70% above Missouri avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.70% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Oct 9, 20263.65%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 18 Month
$500
3.60%
▲ 0.65% above Missouri avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly; APY assumes principal and interest remain on deposit for one year; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
- Oct 2, 20263.60%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
IRA Certificates of Deposit - 18 Month
$500
3.60%
▲ 0.65% above Missouri avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Fixed Rate; Interest Compounded and Credited Quarterly; early withdrawal penalty may be assessed
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
- Oct 2, 20263.60%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
IRA Certificates of Deposit - Variable Rate 18 Month
$100
3.60%
▲ 0.65% above Missouri avg
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Interest compounded and credited quarterly; Variable rate; Early withdrawal penalty may be assessed
Rate History
No change since Oct 14, 2026 · 3.60% APY
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1.5 Year Share Certificate
$500
3.60%
▲ 0.65% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.65% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Balance: $500.00-$24,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Certificate
$0
3.56%
▲ 0.61% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.61% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 2.94% → 3.56% ▲ 0.62 pts · high 3.56% / low 2.94%
- Oct 7, 20263.56%▲ from 2.94%
- Sep 24, 20262.94%first recorded
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
18 Month CD/IRA
$500
3.55%
▲ 0.60% above Missouri avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.60% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 3.55% APY · checked 6 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
18 Month CD
$1,000
3.55%
▲ 0.60% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.60% above avgNationally 2.88%
Details
Certificate dividends paid monthly; Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Oran 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 1.97% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.97% above avgNationally 2.88%
Details
Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
- Oct 11, 20265.00%▲ from 4.90%
- Oct 7, 20264.90%▲ from 4.85%
- Oct 3, 20264.85%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.60%
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 1.78% above Missouri avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.78% above avgNationally 2.88%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.55% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.55% above avgNationally 2.88%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55%
▲ 1.52% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.52% above avgNationally 2.88%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 24 Months Jumbo IRA
$100,000
4.44%
▲ 1.41% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.44% ▲ 0.05 pts · high 4.44% / low 4.39%
- Oct 10, 20264.44%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 24 Months Jumbo+
$100,000
4.42%
▲ 1.39% above Missouri avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.39% above avgNationally 2.88%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
- Oct 14, 20264.42%▲ from 4.30%
- Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 24 Months Jumbo
$10,000
4.37%
▲ 1.34% above Missouri avg
▼
Rate4.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.34% above avgNationally 2.88%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.37% ▲ 0.07 pts · high 4.37% / low 4.30%
- Oct 14, 20264.37%▲ from 4.30%
- Sep 14, 20264.30%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CDs
$0
4.35%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 14, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 2-Year
$1,000
4.30%
▲ 1.27% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.27% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
- Oct 6, 20264.30%▲ from 3.00%
- Sep 24, 20263.00%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 24 Months
$500
4.28%
▲ 1.25% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
- Oct 10, 20264.28%▲ from 4.23%
- Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$500
4.27%
▲ 1.24% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.24% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22%
- Oct 10, 20264.27%▲ from 4.22%
- Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 24 Months
$500
4.27%
▲ 1.24% above Missouri avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.24% above avgNationally 2.88%
Details
Rate bump-up available
Rate History
2 changes since Sep 14, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22%
- Oct 10, 20264.27%▲ from 4.23%
- Sep 27, 20264.23%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Traditional 24-Month CD
$1,000
4.25%
▲ 1.22% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Traditional CDs
Rate History
2 changes since Sep 8, 2026 · 3.51% → 4.25% ▲ 0.74 pts · high 4.25% / low 3.51%
- Oct 14, 20264.25%▲ from 4.01%
- Oct 2, 20264.01%▲ from 3.51%
- Sep 8, 20263.51%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit - 24-Month Special
$0
4.25%
▲ 1.22% above Missouri avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Special rate; APY effective October 1, 2026; Penalty for early withdrawal applies
Rate History
No change since Oct 14, 2026 · 4.25% APY
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
24 Month CD or IRA CD
$500
4.25%
▲ 1.22% above Missouri avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 9 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 24 Month
$0
4.25%
▲ 1.22% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 24 Months
$1,000
4.21%
▲ 1.18% above Missouri avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 13, 20264.21%▲ from 4.00%
- Sep 14, 20264.00%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 24 months
$0
4.20%
▲ 1.17% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.17% above avgNationally 2.88%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
24 Month OASIS SPECIALS CERTIFICATE OF DEPOSIT
$1,000
4.16%
▲ 1.13% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.13% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 24 months
$0
4.11%
▲ 1.08% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.08% above avgNationally 2.88%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
CommunityAmerica Credit Union
24 Month Business Share Certificate
$500
4.10%
▲ 1.07% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 14, 20264.10%▲ from 4.09%
- Oct 10, 20264.09%▲ from 3.45%
- Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
24 Month Share Certificate
$500
4.10%
▲ 1.07% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
4.08%
▲ 1.05% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.05% above avgNationally 2.88%
Details
Rate History
No change since Oct 11, 2026 · 4.08% APY
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Business In-House Specials - Certificates of Deposit
$5,000
4.06%
▲ 1.03% above Missouri avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month In-House Specials - Certificates of Deposit
$5,000
4.06%
▲ 1.03% above Missouri avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 24 months
$0
4.06%
▲ 1.03% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details
$1,000 minimum balance
Rate History
No change since Oct 13, 2026 · 4.06% APY
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
24 Month Business CD
$1,000
4.05%
▲ 1.02% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.02% above avgNationally 2.88%
Details
Early withdrawal: 6 Month Interest Penalty; Rates apply to new deposits only; Limited time offer
Rate History
No change since Oct 14, 2026 · 4.05% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month CD
$0
4.01%
▲ 0.98% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
4.01%
▲ 0.98% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
- Oct 8, 20264.01%▲ from 3.80%
- Sep 20, 20263.80%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00%
▲ 0.97% above Missouri avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Certificates of Deposit (CD)
$0
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Balance: $500.00-$24,999.99
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month Certificate
$0
3.97%
▲ 0.94% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.94% above avgNationally 2.88%
Details
Preferred Rate with any checking account; Rate: 4.00%, APY: 4.07%
Rate History
No change since Sep 11, 2026 · 3.97% APY · checked 7 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 2 year
$0
3.95%
▲ 0.92% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.92% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA 2 Year
$1,000
3.91%
▲ 0.88% above Missouri avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
24 Month IRA CD
$0
3.91%
▲ 0.88% above Missouri avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
24 Month Certificates of Deposit
$500
3.85%
▲ 0.82% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.82% above avgNationally 2.88%
Details
$500 minimum deposit required; Rate subject to change daily
Rate History
1 change since Sep 14, 2026 · 2.02% → 3.85% ▲ 1.83 pts · high 3.85% / low 2.02%
- Oct 9, 20263.85%▲ from 2.02%
- Sep 14, 20262.02%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month Certificate of Deposit
$0
3.80%
▲ 0.77% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
- Oct 10, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 month ADVANTAGE CD/IRA
$0
3.80%
▲ 0.77% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.71% → 3.80% ▲ 0.09 pts · high 3.80% / low 3.71%
- Oct 7, 20263.80%▲ from 3.71%
- Sep 11, 20263.71%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Month Jumbo CD
$50,000
3.80%
▲ 0.77% above Missouri avg
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2 Year Certificate
$500
3.80%
▲ 0.77% above Missouri avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
IRA - 2 Year
$500
3.80%
▲ 0.77% above Missouri avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 8, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$500
3.80%
▲ 0.77% above Missouri avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Compounded Quarterly
Rate History
No change since Sep 16, 2026 · 3.80% APY · checked 6 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificates
$0
3.75%
▲ 0.72% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 24 months
$0
3.75%
▲ 0.72% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.72% above avgNationally 2.88%
Details
APY includes .25% Club Benefit Earned payment; youth certificate for members age 17 and under; Club Benefit payments discontinue at age 18
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 24 Months
$0
3.75%
▲ 0.72% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.03%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 2 Year
$0
3.75%
▲ 0.72% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.72% above avgNationally 2.88%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Oran 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02%
▲ 2.25% above Missouri avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 2.25% above avgNationally 2.81%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
No change since Oct 12, 2026 · 5.02% APY
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 2.23% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 2.23% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
- Oct 3, 20265.00%▲ from 4.90%
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71%
▲ 1.94% above Missouri avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.81%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.81% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.81%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.54%
▲ 1.77% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 36 Months Jumbo+
$100,000
4.52%
▲ 1.75% above Missouri avg
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.75% above avgNationally 2.81%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
- Oct 14, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 36 Months Jumbo
$10,000
4.47%
▲ 1.70% above Missouri avg
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.70% above avgNationally 2.81%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.47% ▲ 0.17 pts · high 4.47% / low 4.30%
- Oct 14, 20264.47%▲ from 4.30%
- Sep 14, 20264.30%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 UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.63% above avgNationally 2.81%
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 36 Months
$500
4.39%
▲ 1.62% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23%
- Oct 10, 20264.39%▲ from 4.23%
- Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$500
4.37%
▲ 1.60% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.60% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 10, 20264.37%▲ from 4.22%
- Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 36 Months
$500
4.37%
▲ 1.60% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.60% above avgNationally 2.81%
Details
Rate bump-up available
Rate History
2 changes since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 10, 20264.37%▲ from 4.23%
- Sep 27, 20264.23%▲ from 4.22%
- Sep 14, 20264.22%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
36 Month CD or IRA CD
$500
4.35%
▲ 1.58% above Missouri avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.58% above avgNationally 2.81%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 9 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 36 Month
$0
4.25%
▲ 1.48% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 1.48% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 36 months
$0
4.20%
▲ 1.43% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.43% above avgNationally 2.81%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36-Month CD
$0
4.15%
▲ 1.38% above Missouri avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15%
▲ 1.38% above Missouri avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 36 months
$0
4.11%
▲ 1.34% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.34% above avgNationally 2.81%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
4.08%
▲ 1.31% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.31% above avgNationally 2.81%
Details
Rate History
No change since Oct 11, 2026 · 4.08% APY
United Bank of Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.38%
36 Month Certificate Special
$0
4.00%
▲ 1.23% above Missouri avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Certificates of Deposit (CD)
$0
4.00%
▲ 1.23% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details
Balance: $500.00-$24,999.99
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36 Month IRA CD
$0
3.96%
▲ 1.19% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 year
$0
3.95%
▲ 1.18% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month Jumbo CD
$50,000
3.91%
▲ 1.14% above Missouri avg
▼
Rate3.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3 Year Certificate
$500
3.91%
▲ 1.14% above Missouri avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
IRA - 3 Year
$500
3.91%
▲ 1.14% above Missouri avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.91% ▲ 0.61 pts · high 3.91% / low 3.30%
- Oct 8, 20263.91%▲ from 3.30%
- Sep 14, 20263.30%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 month ADVANTAGE CD/IRA
$0
3.85%
▲ 1.08% above Missouri avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76%
- Oct 7, 20263.85%▲ from 3.76%
- Sep 11, 20263.76%first recorded
CommunityAmerica Credit Union
36 Month Business Share Certificate
$500
3.85%
▲ 1.08% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 10, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
36 Month Share Certificate
$500
3.85%
▲ 1.08% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month Certificate of Deposit
$0
3.80%
▲ 1.03% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.80%
▲ 1.03% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 8, 20263.80%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 36 Months
$0
3.80%
▲ 1.03% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month CD
$1,000
3.75%
▲ 0.98% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.98% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 3 Year
$0
3.75%
▲ 0.98% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.98% above avgNationally 2.81%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.93% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.93% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
- Oct 14, 20263.70%▲ from 3.40%
- Sep 18, 20263.40%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.93% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.93% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
- Oct 14, 20263.70%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 36 Months
$0
3.70%
▲ 0.93% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.93% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 13, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 36 Months
$500
3.67%
▲ 0.90% above Missouri avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.90% above avgNationally 2.81%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.67% APY
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 month CD/IRA
$0
3.60%
▲ 0.83% above Missouri avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51%
- Oct 7, 20263.60%▲ from 3.51%
- Sep 11, 20263.51%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 36 Month Certificate of Deposit
$1,000
3.60%
▲ 0.83% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.60%
▲ 0.83% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
36 Month Certicicate of Deposit
$50,000
3.60%
▲ 0.83% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Share Certificate - 36-Month IRA
$0
3.56%
▲ 0.79% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.79% above avgNationally 2.81%
Details
Balance: $25,000 and over
Rate History
No change since Oct 13, 2026 · 3.56% APY
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 36-Month
$0
3.56%
▲ 0.79% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.79% above avgNationally 2.81%
Details
Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40%
- Oct 9, 20263.56%▲ from 3.40%
- Sep 14, 20263.40%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 36 Month Certificate of Deposit
$1,000
3.55%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.55%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Oran 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year FDIC-Insured Certificate of Deposit
$0
5.10%
▲ 2.28% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 2.28% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
- Oct 7, 20265.10%▲ from 5.00%
- Oct 3, 20265.00%▲ from 4.95%
- Sep 27, 20264.95%▲ from 4.85%
- Sep 24, 20264.85%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
5.01%
▲ 2.19% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.19% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.65% → 5.01% ▲ 0.36 pts · high 5.01% / low 4.65%
- Oct 14, 20265.01%▲ from 4.65%
- Sep 14, 20264.65%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 48 Months Jumbo+
$100,000
4.99%
▲ 2.17% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.17% above avgNationally 2.80%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.99% ▲ 0.44 pts · high 4.99% / low 4.55%
- Oct 14, 20264.99%▲ from 4.55%
- Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 48 Months Jumbo
$10,000
4.94%
▲ 2.12% above Missouri avg
▼
Rate4.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.12% above avgNationally 2.80%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.94% ▲ 0.39 pts · high 4.94% / low 4.55%
- Oct 14, 20264.94%▲ from 4.55%
- Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months
$500
4.85%
▲ 2.03% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.03% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.85% ▲ 0.36 pts · high 4.85% / low 4.49%
- Oct 14, 20264.85%▲ from 4.49%
- Sep 14, 20264.49%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$500
4.84%
▲ 2.02% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.02% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 14, 2026 · 4.47% → 4.84% ▲ 0.37 pts · high 4.84% / low 4.47%
- Oct 14, 20264.84%▲ from 4.49%
- Oct 10, 20264.49%▲ from 4.47%
- Sep 14, 20264.47%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 48 Months
$500
4.84%
▲ 2.02% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.02% above avgNationally 2.80%
Details
Rate bump-up available
Rate History
2 changes since Sep 14, 2026 · 4.47% → 4.84% ▲ 0.37 pts · high 4.84% / low 4.47%
- Oct 14, 20264.84%▲ from 4.49%
- Sep 27, 20264.49%▲ from 4.47%
- Sep 14, 20264.47%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.76% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
48 Month CD or IRA CD
$500
4.40%
▲ 1.58% above Missouri avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.58% above avgNationally 2.80%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 9 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$100
4.32%
▲ 1.50% above Missouri avg
▼
Rate4.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.50% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 48 Month
$0
4.25%
▲ 1.43% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15%
▲ 1.33% above Missouri avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$1,000
4.08%
▲ 1.26% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.26% above avgNationally 2.80%
Details
Rate History
No change since Oct 11, 2026 · 4.08% APY
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo Bump Up CD
$50,000
4.06%
▲ 1.24% above Missouri avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.24% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month ADVANTAGE CD/IRA
$0
3.96%
▲ 1.14% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
- Oct 7, 20263.96%▲ from 3.85%
- Sep 11, 20263.85%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo CD
$50,000
3.96%
▲ 1.14% above Missouri avg
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48 Month IRA CD
$0
3.96%
▲ 1.14% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 4 year
$0
3.95%
▲ 1.13% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
CommunityAmerica Credit Union
48 Month Business Share Certificate
$500
3.95%
▲ 1.13% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 10, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
48 Month Share Certificate
$500
3.95%
▲ 1.13% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 48 months
$0
3.90%
▲ 1.08% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.08% above avgNationally 2.80%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 48 Months
$0
3.85%
▲ 1.03% above Missouri avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 1.03% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month Certificate of Deposit
$0
3.80%
▲ 0.98% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.98% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 14, 20263.80%▲ from 3.45%
- Sep 18, 20263.45%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.98% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 14, 20263.80%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month CD
$1,000
3.80%
▲ 0.98% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Bump Up CD
$1,000
3.75%
▲ 0.93% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month Share Certificate of Deposit
$0
3.75%
▲ 0.93% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 48 Months
$1,000
3.75%
▲ 0.93% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 13, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 4 Year
$0
3.75%
▲ 0.93% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month CD/IRA
$0
3.70%
▲ 0.88% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.88% above avgNationally 2.80%
Details
Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
- Oct 7, 20263.70%▲ from 3.60%
- Sep 11, 20263.60%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 48 months
$0
3.70%
▲ 0.88% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.88% above avgNationally 2.80%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 48 Months
$500
3.67%
▲ 0.85% above Missouri avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.85% above avgNationally 2.80%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.67% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month CD
$0
3.60%
▲ 0.78% above Missouri avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Month Certificate of Deposit
$1,000
3.60%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal
Rate History
1 change since Oct 9, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
- Oct 13, 20263.60%▼ from 4.00%
- Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 48 Month Certificate of Deposit
$1,000
3.60%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$100,000
3.60%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Balance: $500.00-$24,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Month Certificate of Deposit
$1,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal
Rate History
1 change since Oct 9, 2026 · 4.00% → 3.55% ▼ 0.45 pts · high 4.00% / low 3.55%
- Oct 13, 20263.55%▼ from 4.00%
- Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 48 Month Certificate of Deposit
$1,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
48 Month CD
$1,000
3.55%
▲ 0.73% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Certificate dividends paid monthly; Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
Certificate of Deposit (CD) - 48 Month
$1,000
3.55%
▲ 0.73% above Missouri avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$50,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificates of Deposit (CDs)
$500
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Compounding and Crediting Frequency: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
48 Month Jumbo CD
$50,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 48-Month
$500
3.51%
▲ 0.69% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.69% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
48 Month Share Certificates
$0
3.50%
▲ 0.68% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details
Penalties may apply for early withdrawals
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 3 times
Oran 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year FDIC-Insured Certificate of Deposit
$0
5.20%
▲ 2.27% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 2.27% above avgNationally 2.91%
Details
Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
- Oct 11, 20265.20%▲ from 5.15%
- Oct 7, 20265.15%▲ from 5.05%
- Sep 27, 20265.05%▲ from 4.90%
- Sep 24, 20264.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.70%
▲ 1.77% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.77% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
- Oct 10, 20264.70%▲ from 4.54%
- Sep 14, 20264.54%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 60 Months Jumbo+
$100,000
4.68%
▲ 1.75% above Missouri avg
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.75% above avgNationally 2.91%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
- Oct 14, 20264.68%▲ from 4.45%
- Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 60 Months Jumbo
$10,000
4.63%
▲ 1.70% above Missouri avg
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.70% above avgNationally 2.91%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.45% → 4.63% ▲ 0.18 pts · high 4.63% / low 4.45%
- Oct 14, 20264.63%▲ from 4.45%
- Sep 14, 20264.45%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.65% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.65% above avgNationally 2.91%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months
$500
4.54%
▲ 1.61% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.61% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
- Oct 10, 20264.54%▲ from 4.39%
- Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
4.52%
▲ 1.59% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.59% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37%
- Oct 10, 20264.52%▲ from 4.37%
- Sep 14, 20264.37%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 60 Months
$500
4.52%
▲ 1.59% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.59% above avgNationally 2.91%
Details
Rate bump-up available
Rate History
2 changes since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37%
- Oct 10, 20264.52%▲ from 4.39%
- Sep 27, 20264.39%▲ from 4.37%
- Sep 14, 20264.37%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
60 Month CD or IRA CD
$500
4.45%
▲ 1.52% above Missouri avg
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.52% above avgNationally 2.91%
Details
Interest paid quarterly
Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 9 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.34%
▲ 1.41% above Missouri avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.41% above avgNationally 2.91%
Details
Preferred Rate with any checking account; Rate: 4.36%, APY: 4.45%
Rate History
No change since Sep 11, 2026 · 4.34% APY · checked 7 times
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Certificate of Deposit - 60 Months Special CD
$1,000
4.30%
▲ 1.37% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.37% above avgNationally 2.91%
Details
SPECIAL Click to Open CD; Online Account Opening; Minimum opening deposit $1,000; $1,000 minimum balance required to earn stated APY; Interest compounded and credited quarterly
Rate History
No change since Oct 14, 2026 · 4.30% APY
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Certificates of Deposit - 60 Months Special
$1,000
4.30%
▲ 1.37% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.37% above avgNationally 2.91%
Details
Click to Open CD; Available as IRA in Branch
Rate History
No change since Oct 14, 2026 · 4.30% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25%
▲ 1.32% above Missouri avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 60 Month
$0
4.25%
▲ 1.32% above Missouri avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
4.08%
▲ 1.15% above Missouri avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.15% above avgNationally 2.91%
Details
Rate History
No change since Oct 11, 2026 · 4.08% APY
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Jumbo CD
$50,000
4.06%
▲ 1.13% above Missouri avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.13% above avgNationally 2.91%
Details
Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
5 Year Certificate
$500
4.06%
▲ 1.13% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.13% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month ADVANTAGE CD/IRA
$0
4.01%
▲ 1.08% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.08% above avgNationally 2.91%
Details
Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 7, 20264.01%▲ from 3.91%
- Sep 11, 20263.91%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$1,000
3.96%
▲ 1.03% above Missouri avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60 Month IRA CD
$0
3.96%
▲ 1.03% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 5 year
$0
3.95%
▲ 1.02% above Missouri avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
CommunityAmerica Credit Union
60 Month Business Share Certificate
$500
3.95%
▲ 1.02% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 10, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
60 Month Share Certificate
$500
3.95%
▲ 1.02% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.97% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
- Oct 14, 20263.90%▲ from 3.51%
- Sep 18, 20263.51%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.97% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
- Oct 14, 20263.90%▲ from 3.51%
- Sep 18, 20263.51%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 60 Months
$0
3.90%
▲ 0.97% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.92% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.92% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Certificate of Deposit
$0
3.80%
▲ 0.87% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 60 Months
$1,000
3.80%
▲ 0.87% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 13, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month CD/IRA
$0
3.75%
▲ 0.82% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 0.82% above avgNationally 2.91%
Details
Rate History
1 change since Sep 11, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.75%▲ from 3.65%
- Sep 11, 20263.65%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 5 Year
$0
3.75%
▲ 0.82% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.82% above avgNationally 2.91%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 60 months
$0
3.70%
▲ 0.77% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.77% above avgNationally 2.91%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
60 Month Certificate of Deposit
$50,000
3.66%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.73% above avgNationally 2.91%
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
5 Year Share Certificate
$100,000
3.65%
▲ 0.72% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.72% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.65% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
60-Month CD
$0
3.60%
▲ 0.67% above Missouri avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 60 Month Certificate of Deposit
$1,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Balance: $100,000.00 and over; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit - 60 Month
$1,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
5 Year Share Certificate
$50,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
60 Month Jumbo CD
$50,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 60 months
$0
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Business 60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99; Personal & Business
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit - 60 Month
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
60 Month CD
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Certificate dividends paid monthly; Penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
60 Month Build a Certificate of Deposit
$0
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
Certificate of Deposit (CD) - 60 Month
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Oran, MO CD Rate Trends
Compare local Oran, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MO Avg
3.098%
Unchanged vs 7 days ago
Missouri 12-month CD rates currently average 3.098% APY based on data from institutions in our monitoring network.
6-Month CD MO Avg
2.906%
▲ 0.022 vs 7 days ago
Missouri 6-month CD rates rose 0.022 points over the past 7 days to 2.906% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
3.098%
6-Month Forecast
3.098%
Range: 2.90%, 3.25%
12-Month Forecast
3.348%
Range: 3.15%, 3.50%
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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 | 1.941% | $97.05 | $194.09 | $485.22 | $970.45 |
| 6-Month CD | 2.906% | $145.30 | $290.60 | $726.50 | $1,453.00 |
| 12-Month CD | 3.098% | $154.89 | $309.77 | $774.43 | $1,548.85 |
| 18-Month CD | 2.953% | $147.64 | $295.27 | $738.18 | $1,476.35 |
| 24-Month CD | 3.027% | $151.33 | $302.66 | $756.65 | $1,513.30 |
| 36-Month CD | 2.768% | $138.41 | $276.82 | $692.05 | $1,384.10 |
| 48-Month CD | 2.821% | $141.04 | $282.08 | $705.20 | $1,410.40 |
| 60-Month CD | 2.934% | $146.69 | $293.38 | $733.45 | $1,466.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Oran, Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.941% | $97.05 |
| 2 | 6-Month CD | $5,000 | 2.906% | $145.30 |
| 3 | 12-Month CD | $5,000 | 3.098% | $154.89 |
| 4 | 24-Month CD | $5,000 | 3.027% | $151.33 |
| 5 | 36-Month CD | $5,000 | 2.768% | $138.41 |
| Total ($25,000 invested) | $25,000 | 2.748% blended | $686.98/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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1,366
CD Rates
Tracked in Oran, Missouri
Tracked in Oran, Missouri
73 Banks
57 Credit Unions
About Our Oran, Missouri CD Rate Database
MonitorBankRates tracks 1,366 CD rates from 73 banks and 57 credit unions with locations in Oran, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Century Credit Union offers a CD at 10.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Oran, Missouri.
How to Find the Best CD Rates in Oran, Missouri
What to compare when shopping for a CD in Oran, Missouri
To find the best APYs in Oran, Missouri, start with credit unions and online-only banks: Oran, Missouri has 57 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Oran, 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 Oran, Missouri: 130 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Oran, 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 Oran, Missouri money market rates
Oran, Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.7%
National avg: 17.3%
Median Individual Earnings
$31,211
National avg: $47,340
Poverty Rate
15.8%
National avg: 11.1%
Unemployment Rate
7.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$97/yr
At MO 12-mo avg 3.098% APY
17.7% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MO 12-month CD average of 3.098%, saving 10% of the local median salary ($3,121/year) and putting it in a CD would earn an additional $97 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 Oran, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Oran, 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 Oran, 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 Oran, Missouri as everywhere in the U.S.
Choosing a CD Term in Oran, 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 Oran, Missouri savers easier access to their funds. For example, Century Credit Union is offering its 6 Month Teen CD at 10.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5 Year FDIC-Insured Certificate of Deposit at 5.20% 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 Oran, 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 Oran, 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 Oran, 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 Oran, 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 Oran, Missouri
Most CDs carry a fixed rate that is locked for the entire term, protecting a Oran, 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 Oran, Missouri
Are CD rates in Oran, Missouri FDIC insured?
Yes, most established banks in Oran, 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 Oran, 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 Oran, 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 Oran, 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 Oran, Missouri?
Here are recent top rates found for this area:
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- Southeast Missouri Community Credit Union: 6.14% APY (12 Month Certificates of Deposit - Youth)
- Edward Jones Trust Company: 5.20% APY (5 Year FDIC-Insured Certificate of Deposit)
- De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
- National Police Federal Credit Union: 5.02% APY (36-Month IRA)
- MECE Credit Union: 5.01% APY (IRA & HSA Certificates - 48 Months Jumbo IRA)
- Bank of Franklin County: 4.90% APY (18 Month YOUTH Fair CD Special)
- Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates)
- Members 1st Credit Union Saint Louis, MO: 4.58% APY (24 Month 75th Anniversary Certificates of Deposit)
- Community Bank of Marshall: 4.50% APY (18 MONTHS IRA)
Rates reflect recent verified offers available in Oran, Missouri. Last Updated: October 14, 2026
Oran, 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 Oran, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Oran, Missouri
Oran, Missouri CD Calculator
At today’s MO top rate of 10.00% APY, a $10,000 deposit earns $1,000 in the first year. Enter your amount to see your exact return.
Oran, Missouri CD LadderMO CD rates currently range from 1.941% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Oran, Missouri CD at 10.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 3.098% 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 Oran, 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 Oran, 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 Oran, Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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