St Charles, Missouri Best CD Rates November 2026
Brian McKay
Brian McKay
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St Charles, Missouri CD rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of November 12, 2026. Current St Charles, Missouri CD rates include Lindell Bank & Trust CompanyLindell Bank & Trust Company3201 N Highway 94, St Charles, MO 63301A+5.0 ★Texas Ratio: 1.91%Real return: +0.55%APY minus CPIRate verified Nov 11, 2026 offering 12 Month Special Certificates of Deposit at 4.25% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO120 Jefferson St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.49%Real return: +0.47%APY minus CPIRate verified Nov 11, 2026 offering 18-Month Variable Rate IRA at 4.17% APY, UMB BankUMB Bank1201 Regency Pkwy, St Charles, MO 63303A+5.0 ★Texas Ratio: 1.78%Real return: +0.15%APY minus CPIRate verified Nov 11, 2026 offering 3-Month Time Deposit Account at 3.85% APY, FSB of St. Charles, MOFSB of St. Charles, MO206 N 5th St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.35%Real return: -0.45%APY minus CPIRate verified Nov 11, 2026 offering 12 Month Certificates of Deposit at 3.25% APY, and PNC BankPNC Bank750 1st Capitol Dr, St Charles, MO 63301A+5.0 ★Texas Ratio: 4.24%Real return: -3.68%APY minus CPIRate verified Nov 11, 2026 offering Fixed Rate Certificate of Deposit (CD) - 12 Months at 0.02% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
St Charles has 63 local institutions in our database, with CD rates as high as 4.25% APY from Lindell Bank & Trust Company at 3201 N Highway 94, St Charles, MO 63301. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 12, 2026
Compare Best CD Rates in St Charles, Missouri & the Surrounding Area
St Charles 3 Month CD Rates
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
High-Yield CDs/IRAs; APY accurate as of 11/11/2026; $1,000.00 minimum balance required to open and obtain APY; IRA CDs must be opened in-branch
Rate Code E
Balance: $1,000.00 and above
Balance: $1.00 - $999.99
Rates as of 11/2/26
- Nov 7, 20264.40%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Early Withdrawal Penalty (EWD): 2%; Rates as of 11/02/2026; CDs must be opened at a PSB Bank office
- Nov 5, 20264.33%▲ from 0.50%
- Sep 7, 20260.50%first recorded
APY effective 11/10/2026; interest must be paid periodically, no compounding
- Nov 11, 20264.25%▲ from 4.20%
- Oct 21, 20264.20%▲ from 4.10%
- Sep 19, 20264.10%first recorded
Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
- Oct 22, 20264.06%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Compounding: At maturity; Availability: Open Online
Interest credited At Maturity; Account maximum $500,000; FDIC insured
St Charles 6 Month CD Rates
Rate Code E
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
$1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%
Balance: $5,000 and over
FEATURED RATE
- Oct 23, 20264.75%▲ from 3.75%
- Sep 30, 20263.75%first recorded
FEATURED RATE; Penalties may apply for early withdrawals.
Effective date 10/1/26
APY effective 11/10/2026; interest must be paid periodically, no compounding
- Nov 11, 20264.45%▲ from 4.40%
- Nov 6, 20264.40%▲ from 4.35%
- Oct 21, 20264.35%▲ from 4.20%
- Sep 19, 20264.20%first recorded
Rates as of 11/2/26
- Nov 7, 20264.40%▲ from 4.00%
- Sep 12, 20264.00%first recorded
St Charles 12 Month CD Rates
Compound Method: Quarterly
- Oct 7, 20264.25%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.00%
- Sep 19, 20264.00%first recorded
Rate Code E
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026
$5,000.00 minimum, $100,000.00 maximum for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate
Effective date 10/1/26
Online only; Interest rate 4.59%, APY 4.70%
APY effective 11/10/2026; interest must be paid periodically, no compounding
- Oct 26, 20264.65%▲ from 4.60%
- Oct 21, 20264.60%▲ from 4.30%
- Sep 19, 20264.30%first recorded
St Charles 18 Month CD Rates
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Compound Method: Quarterly
Rate Code E
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
See Fair Special options; second rate column under Preferred Rate with any checking account heading; for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00
- Oct 26, 20265.00%▲ from 4.90%
- Oct 21, 20264.90%first recorded
See Fair Special options; Preferred Rate with any checking account (first rate column); for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00
Compounding: Quarterly; Availability: Open Online
Compounds Semi-Annually
St Charles 24 Month CD Rates
Rate Code E
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Regular minimum balance $500.00; IRA minimum balance $500.00
- Oct 29, 20264.75%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Effective date 10/1/26
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
- Nov 5, 20264.50%▲ from 4.35%
- Oct 14, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
St Charles 36 Month CD Rates
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Special rate; Open account
Regular minimum balance $500.00; IRA minimum balance $500.00
- Oct 29, 20264.70%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.60%▲ from 3.44%
- Oct 21, 20263.44%first recorded
Effective date 10/1/26
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Preferred Rate with any checking account (first rate column); APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.50%▲ from 3.44%
- Oct 21, 20263.44%first recorded
Term: 36 months to 47 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
St Charles 48 Month CD Rates
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
- Oct 19, 20264.99%▲ from 4.55%
- Sep 14, 20264.55%first recorded
- Oct 19, 20264.94%▲ from 4.50%
- Sep 14, 20264.50%first recorded
- Oct 19, 20264.84%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Effective date 10/1/26
- Nov 6, 20264.58%▲ from 4.42%
- Oct 21, 20264.42%▲ from 4.32%
- Sep 11, 20264.32%first recorded
Term: 48 months to 59 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
St Charles 60 Month CD Rates
Compound Method: Quarterly
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance: $1,000.00 and above
Balance: $1,000.00 and above; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Standard Rates; Annual custodian fee of $25 may apply if balance is less than $2,000
Balance: $100,000.00 and over; Rates as of September 18, 2026
- Oct 19, 20264.68%▲ from 4.45%
- Sep 14, 20264.45%first recorded
- Oct 19, 20264.63%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Effective date 10/1/26
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Interest paid quarterly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
St Charles, MO CD Rate Trends
Compare local St Charles, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Missouri 12-month CD rates rose 0.008 points over the past 7 days to 3.141% APY.
Missouri 6-month CD rates fell 0.001 points over the past 7 days to 2.909% APY.
MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.914% | $95.71 | $191.42 | $478.55 | $957.10 |
| 6-Month CD | 2.909% | $145.46 | $290.92 | $727.30 | $1,454.60 |
| 12-Month CD | 3.141% | $157.05 | $314.11 | $785.27 | $1,570.55 |
| 18-Month CD | 2.901% | $145.05 | $290.10 | $725.25 | $1,450.50 |
| 24-Month CD | 2.968% | $148.39 | $296.77 | $741.93 | $1,483.85 |
| 36-Month CD | 2.771% | $138.54 | $277.07 | $692.68 | $1,385.35 |
| 48-Month CD | 2.803% | $140.15 | $280.29 | $700.73 | $1,401.45 |
| 60-Month CD | 2.885% | $144.23 | $288.45 | $721.13 | $1,442.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for St Charles, 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 | 1.914% | $95.71 |
| 2 | 6-Month CD | $5,000 | 2.909% | $145.46 |
| 3 | 12-Month CD | $5,000 | 3.141% | $157.05 |
| 4 | 24-Month CD | $5,000 | 2.968% | $148.39 |
| 5 | 36-Month CD | $5,000 | 2.771% | $138.54 |
| Total ($25,000 invested) | $25,000 | 2.741% blended | $685.15/yr | |
Ladder example uses equal $5,000 rungs and Missouri average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in St Charles, Missouri
About Our St Charles, Missouri CD Rate Database
MonitorBankRates tracks 1,542 CD rates from 87 banks and 55 credit unions with locations in St Charles, 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: Lindell Bank & Trust Company offers a CD at 4.25% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in St Charles, Missouri.
How to Find the Best CD Rates in St Charles, Missouri
What to compare when shopping for a CD in St Charles, Missouri
To find the best APYs in St Charles, Missouri, start with credit unions and online-only banks: St Charles, Missouri has 55 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 St Charles, 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 St Charles, Missouri: 142 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare St Charles, 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 St Charles, Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.141%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $134 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in St Charles, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in St Charles, 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 St Charles, Missouri as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give St Charles, Missouri savers easier access to their funds. For example, FSB of St. Charles, MO is offering its 6 Month Certificates of Deposit at 2.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Lindell Bank & Trust Company is offering its 60 Month Certificates of Deposit at 3.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a St Charles, Missouri saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the St Charles, Missouri CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a St Charles, 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 St Charles, Missouri
What are CD rates in St Charles, Missouri today?
Are CD rates in St Charles, Missouri FDIC insured?
Do I have to pay state taxes on CD interest in St Charles, Missouri?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in St Charles, Missouri?
- Lindell Bank & Trust Company: 4.25% APY (12 Month Special Certificates of Deposit)
- First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
- UMB Bank: 3.85% APY (3-Month Time Deposit Account)
- FSB of St. Charles, MO: 3.25% APY (12 Month Certificates of Deposit)
- PNC Bank: 0.02% APY (Fixed Rate Certificate of Deposit (CD) - 12 Months)
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- Southeast Missouri Community Credit Union: 6.14% APY (Certificate of Deposit - 12 Month Youth)
- De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
- MECE Credit Union: 5.01% APY (IRA & HSA Certificate - 48 Months Jumbo IRA)
- Bank of Franklin County: 5.00% APY (18 Month YOUTH Fair CD Special)
St Charles, 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 St Charles, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for St Charles, Missouri
At today’s MO top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
St Charles, Missouri CD LadderMO CD rates currently range from 1.914% (3-month) to 2.771% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a St Charles, Missouri CD at 4.25% 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 3.141% 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 St Charles, 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 St Charles, 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 St Charles, 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.
St Charles, Missouri Rates & Resources
