MonitorBankRates
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CD Rates Missouri (MO) for April 2026

Current Missouri CD rates include Service 1 Federal Credit UnionService 1 Federal Credit Union2975 Gardner Edgewood Dr, Neosho, MO 64850 3110A+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering Youth Certificates 1 6 months at 4.75% APY, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.48%Real return: +1.69%APY minus CPI (February 2026) offering IRA & HSA Certificates 48 Months Jumbo IRA at 4.49% APY, Conservation Employees Credit UnionConservation Employees Credit Union2915 W Truman Blvd, Jefferson City, MO 65109 0580A+5.0 ★Texas Ratio: 0.38%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate at 4.10% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +1.30%APY minus CPI (February 2026) offering 4-year FDIC-Insured Certificates of Deposit at 4.10% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200A+5.0 ★Texas Ratio: 4.79%Real return: +1.28%APY minus CPI (February 2026) offering Jumbo 6-Month Share Certificate at 4.08% APY. CD rates as of April 23, 2026 according to verified data from MonitorBankRates.

We compared 758 CD rates from 112 banks and credit unions available in Missouri to help you find the best bank CD rates and credit union CD rates across all terms.

Use the tables below to compare CD rates across all terms in Missouri side-by-side. Missouri CD rates currently reach as high as 4.75% APY from Service 1 Federal Credit Union at 2975 Gardner Edgewood Dr, Neosho, MO 64850 3110. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 23, 2026

Compare Best CD Rates in Missouri

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
3 Month CD
$0
4.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Earn 4.05% APY on a 3-month certificate of deposit, offering a fixed rate for a short-term savings option.

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 Month
$0
4.01%
Rate3.95%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-month FDIC-Insured Certificates of Deposit
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 Month CD
$0
3.85%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
3-Month CD
$0
3.80%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.80%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid at term or maturity of CD

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$500
3.75%
Rate3.70%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
90 Day CD Special
$0
3.65%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65%
Rate3.60%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
6390 N Cosby Ave, Kansas City, MO 64151
3-Month Share Certificate
$500
3.60%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 3 Month Special
$0
3.56%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Automatically renews into a 3-month certificate upon maturity. For a limited time only.

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
3 Month CD
$1,000
3.55%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$0
3.51%
Rate3.46%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 3 Months Jumbo IRA
$0
3.51%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 3 Month
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
3 Month Certificates of Deposit
$0
3.02%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 3 months
$0
2.95%
Rate2.91%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
3 Months Certificate of Deposit & IRA CD
$1,000
2.15%
Rate2.14%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
3-Month CD
$0
2.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO 65265 2014
Share Certificate 3 Month
$0
1.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
3 Month CD
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
3-month term Standard CDs
$0
0.60%
Rate0.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
278 N Jefferson Ave, Lebanon, MO 65536
3 Month CD
$1,000
0.50%
Rate0.50%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
3 Month CD
$0
0.21%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO 65203 4601
3 Month CD
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Minimum balance is $1,000.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 23, 2026
Details

Early withdrawal penalties may apply

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 1 6 months
$0
4.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

FEATURED RATE

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months Jumbo IRA
$0
4.33%
Rate4.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Jumbo 6-Month Share Certificate
$100,000
4.08%
Rate
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 6 Months
$1,000
4.05%
Rate3.98%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
6 Month Certificates
$0
4.00%
Rate3.94%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
180 Day CD
$1,000
4.00%
Rate3.94%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
6 Month IRA
$0
3.96%
Rate3.90%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
6-Month IRA CD
$0
3.91%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6-month FDIC-Insured Certificates of Deposit
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 6 month
$1,000
3.85%
Rate3.78%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
6 Month CD
$0
3.85%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
6 Month CD
$1,000
3.85%
Rate3.80%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
6-Month CD
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Grow your savings with confidence. Banterra's 6?month CD rate special offers a 3.80% APY, helping your money work harder for what matters most.

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 6 Month
$0
3.79%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
6 MONTHS Certificates of Deposit
$2,000
3.67%
Rate3.60%
Min Deposit$2,000
Min Balance
UpdatedApr 23, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 months Term Shares Certificate
$0
3.61%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
6 Month CD or IRA CD
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$0
3.56%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 6 Month Term
$10,000
3.55%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
6 Month CD Special
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
6 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 6-month term
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
6-month CD
$0
3.53%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
6 Months Certificate
$0
3.52%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 6 months
$0
3.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
6-Month CD
$0
3.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Take advantage of current rates while they last

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
6 month ADVANTAGE CD/IRA
$0
3.51%
Rate3.46%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
6 Month Certificates of Deposit
$500
3.51%
Rate3.46%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
6 months CD
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
6-Month CD
$0
3.50%
Rate3.47%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$500
3.50%
Rate3.46%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 6 Months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
6 Months Certificates (Includes IRA Certificates)
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
6 Month Share CD or IRA CD
$500
3.45%
Rate3.40%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 6 months
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 6 month term
$0
3.35%
Rate3.31%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 6 Month
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 6 Month
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
6 Month Certificates of Deposit
$0
3.02%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Raytown Lee\'s Summit Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
10021 E 66th Ter, Raytown, MO 64133
6 MONTH CD
$500
2.52%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
6 Month Jumbo CD
$50,000
2.52%
Rate2.50%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
6 Months Certificate of Deposit & IRA CD
$1,000
2.50%
Rate2.48%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
6 Month Share Certificate of Deposit
$0
1.75%
Rate1.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
6 Month CD
$0
1.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
6-month term Standard CDs
$0
1.35%
Rate1.34%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO 63017
Certificates of Deposit 6 Months
$500
1.26%
Rate1.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO 65265 2014
Share Certificate 6 Month
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 6 Months
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 6 Months
$1,000
1.20%
Rate1.19%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 1 12 months
$0
4.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months Jumbo IRA
$0
4.39%
Rate4.30%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
12 Month Certificate
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD
$250
4.05%
Rate3.99%
Min Deposit$250
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 12 Months
$1,000
4.00%
Rate3.93%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1-year FDIC-Insured Certificates of Deposit
$0
3.95%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
IRA 12-month
$500
3.91%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1 Year Share CD or IRA CD
$500
3.90%
Rate3.83%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
12 Month CD
$1,000
3.85%
Rate3.80%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
12 Month Certificates
$0
3.85%
Rate3.80%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 12-month term
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 12 Months
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
12 Month CD
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
3.75%
Rate3.70%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
12-Month CD
$0
3.70%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Annual Percentage Yield accurate as of 4/14/2026. Terms and conditions apply.

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
12 MONTHS Certificates of Deposit
$1,000
3.67%
Rate3.60%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
12 Months Certificate
$0
3.67%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 1 year
$1,000
3.66%
Rate3.59%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
12-Month CD
$0
3.65%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
12 Month CD
$0
3.65%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 12 months
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
105 W Row St, Jamestown, MO 65046
12 Month CD or IRA
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 1 year
$0
3.65%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 12 month term
$0
3.64%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
12 Month CD
$0
3.63%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA Share Certificate
$0
3.61%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
1 Year Certificates of Deposit
$500
3.61%
Rate3.56%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
12 Month IRA
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
12 Month Certificate of Deposit (IRA)
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.60%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit Youth 12 Month
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 12 Month Term
$10,000
3.60%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
12 Month Certificate
$0
3.55%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 months Term Shares Certificate
$0
3.51%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
1 Year CD
$1,000
3.51%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
Certificates 1 Year Term
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Cape Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2427 Cape Centre DR, Cape Girardeau, MO 63703 5771
Certificates 1 Year Term
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO 64501 1540
12 months Certificate of Deposit
$0
3.50%
Rate3.46%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Health Saving Account 1 Year Certificate
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 12 Months
$1,000
3.50%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Certificate of Deposit 12 months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 12 months
$0
3.50%
Rate3.49%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
1 Year Certificate
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
12 Months Certificates (Includes IRA Certificates)
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
12 Month CD or IRA CD
$500
3.45%
Rate3.41%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
12 months CD
$0
3.40%
Rate3.36%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
Rate3.35%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
1 Year** Certificates of Deposit
$0
3.28%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
12 month ADVANTAGE CD/IRA
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months Jumbo IRA
$0
4.23%
Rate4.15%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
1690 Lemay Ferry Rd, Saint Louis, MO 63125
18 month CD
$0
4.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18-month FDIC-Insured Certificates of Deposit
$0
3.95%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 18 Months
$1,000
3.85%
Rate3.78%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
18 Month CD
$1,000
3.80%
Rate3.75%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
18 Month Daily Compound CD
$0
3.72%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 18-Month Variable
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
18 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
18-Month Variable Rate IRA
$0
3.62%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
18-month CD
$0
3.61%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
18 Month CD
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Share CD or IRA CD
$500
3.60%
Rate3.54%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Months Certificate
$0
3.52%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
18 months Share Certificates
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
18 Months Certificate of Deposit & IRA CD
$1,000
3.50%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
18 Month Certificate
$0
3.49%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
18-Month CD
$0
3.45%
Rate3.41%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 18 Month
$0
3.44%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 18 Month Term
$10,000
3.40%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
18 Month CD
$1,000
3.40%
Rate3.36%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
18 Month CD or IRA CD
$500
3.35%
Rate3.31%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate of Deposit (IRA)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
18 Months Certificates (Includes IRA Certificates)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
18 Month CD
$0
3.28%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
18 MONTH CERTIFICATE OF DEPOSIT
$500
3.25%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO 64501 1540
18 months Certificate of Deposit
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 18 Month
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
18 Month Certificate of Deposit
$500
3.03%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month ADVANTAGE CD/IRA
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 18 Months
$0
2.89%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO 63017
Certificates of Deposit 18 Months
$500
2.78%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Raytown Lee\'s Summit Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
10021 E 66th Ter, Raytown, MO 64133
18 MONTH CD
$500
2.68%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
18 Month CD
$0
2.53%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
310 N Missouri St, Macon, MO 63552
Certificates of Deposit / 18 months
$500
2.52%
Rate2.50%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

$500 minimum deposit required

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
18 Month CD
$1,000
2.12%
Rate2.10%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Preferred Bank Rothville, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
295 W 2nd St, Napoleon, MO 64074
18 Month Certificate
$500
2.02%
Rate2.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 18 Months
$1,000
1.80%
Rate1.78%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO 65265 2014
Share Certificate 18 Month
$0
1.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 18 Months
$0
1.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
18 Month Certificates of Deposit
$500
1.50%
Rate1.49%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

West Plains S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
417 W Broadway St, West Plains, MO 65775
18 Month CD
$1,000
1.10%
Rate1.10%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Peoples Bank of Moniteau County
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
105 W Row St, Jamestown, MO 65046
18 Month CD or IRA
$0
1.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Ozarks Federal OFSL
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2 E Columbia St, Farmington, MO 63640
18 Month Certificate - Individual Retirement Account
$0
0.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
278 N Jefferson Ave, Lebanon, MO 65536
18 Month CD
$1,000
0.75%
Rate0.75%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
18 Month Share Certificate
$0
0.75%
Rate0.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
18 Month CD
$0
0.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months Jumbo IRA
$0
4.13%
Rate4.05%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2-year FDIC-Insured Certificates of Deposit
$0
3.95%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 24 Months
$1,000
3.85%
Rate3.78%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
24 Month CD
$1,000
3.80%
Rate3.75%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates 24 months
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
24 Month Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
3.70%
Rate3.65%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
24 MONTHS Certificates of Deposit
$1,000
3.67%
Rate3.60%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
24 Month Daily Compound CD
$0
3.67%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 24 Months
$0
3.65%
Rate3.60%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 2 year
$0
3.65%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 24 Month
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 24 Month Term
$10,000
3.60%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
24 Month Certificate
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
24 Month CD
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
24 Months Certificates (Includes IRA Certificates)
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 24-month term
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
24 Months Certificate
$0
3.52%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
24-month CD
$0
3.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
24 Months Certificate of Deposit & IRA CD
$1,000
3.50%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
24 months Term Shares Certificate
$0
3.46%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.45%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
Rate3.40%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
24-Month IRA Share Certificate
$0
3.41%
Rate3.36%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
2 Year Certificates of Deposit
$500
3.31%
Rate3.27%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
24 Month Certificate of Deposit (IRA)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 24 months
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
2 Year CD
$1,000
3.25%
Rate3.21%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 months CD
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
2 Year Share CD or IRA CD
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
3.25%
Rate3.21%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 24 month term
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 24 Months
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO 63017
Certificates of Deposit 24 Months
$500
3.03%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
24 Month CD
$0
3.02%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Health Saving Account 2 Year Certificate
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
2 Years Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
24 Month Share Certificate of Deposit
$0
3.00%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 2 year
$250
3.00%
Rate2.96%
Min Deposit$250
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
24 month ADVANTAGE CD/IRA
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
24 MONTH CERTIFICATE OF DEPOSIT
$500
3.00%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
2 Year Certificate
$500
3.00%
Rate2.97%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
24 Month Certificate of Deposit
$500
2.88%
Rate2.85%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
2 Year** Certificates of Deposit
$0
2.77%
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
24-month term Standard CDs
$0
2.60%
Rate2.57%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
24 Month CD
$0
2.53%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
2-year CD
$0
2.52%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
24 month CD
$1,000
2.27%
Rate2.25%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months Jumbo IRA
$0
4.02%
Rate3.95%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-year FDIC-Insured Certificates of Deposit
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
36 Month Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
3.70%
Rate3.65%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1650 N Kingshighway St, Cape Girardeau, MO 63701
36-Month CD
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Annual Percentage Yield accurate as of 4/14/2026. Terms and conditions apply.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 36-Month Variable
$100,000
3.58%
Rate3.52%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
36 Months Certificates (Includes IRA Certificates)
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 36 Months
$1,000
3.55%
Rate3.49%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
36 Month CD
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
36 Month CD
$1,000
3.55%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
36 months Share Certificates
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
3.50%
Rate3.45%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
36 Months Certificate of Deposit & IRA CD
$1,000
3.50%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 year
$0
3.50%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
36 Month Share Certificate of Deposit
$0
3.50%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 36 Months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Months Certificate
$0
3.46%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 36-month term
$0
3.44%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
36 Month Certificate
$0
3.44%
Rate3.39%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 months Term Shares Certificate
$0
3.41%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
36-Month IRA CD
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA Share Certificate
$0
3.31%
Rate3.26%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
3 Year Share CD or IRA CD
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
36 MONTHS Certificates of Deposit
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Certificate of Deposit (IRA)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 36 Month
$0
3.29%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
36 Month IRA
$0
3.29%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 36 month term
$0
3.25%
Rate3.21%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 36 Months
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 36 Month Term
$10,000
3.15%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 36 months
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
3 Year CD
$1,000
3.09%
Rate3.05%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
36 Month CD
$1,000
3.03%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Health Saving Account 3 Year Certificate
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month ADVANTAGE CD/IRA
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
36 MONTH CERTIFICATE OF DEPOSIT
$500
3.00%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Year Certificate
$500
3.00%
Rate2.97%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 months CD
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
3 Years Certificate
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
3 Year** Certificates of Deposit
$0
2.77%
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
36 Month CD
$0
2.77%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
36-month term Standard CDs
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 3 year
$250
2.75%
Rate2.72%
Min Deposit$250
Min Balance
UpdatedApr 23, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
3-year CD
$0
2.53%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 36 Months
$1,000
2.50%
Rate2.47%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
3 Year Certificates of Deposit
$500
2.50%
Rate2.48%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
310 N Missouri St, Macon, MO 63552
Certificates of Deposit / 36 months
$500
2.27%
Rate2.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

$500 minimum deposit required

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
36 Month Certificate of Deposit
$500
2.27%
Rate2.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months Jumbo IRA
$0
4.49%
Rate4.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year FDIC-Insured Certificates of Deposit
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
3.91%
Rate3.85%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
48 month Share Certificate of Deposit
$0
3.75%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
48 Months Certificates (Includes IRA Certificates)
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
48 Month CD
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
48 Month CD
$1,000
3.55%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
3.50%
Rate3.45%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Months Certificate of Deposit & IRA CD
$1,000
3.50%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
48 months Share Certificates
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 4 year
$0
3.50%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 48 Months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 48 Months
$1,000
3.45%
Rate3.40%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 48-month term
$0
3.44%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
48 Month Certificate
$0
3.44%
Rate3.39%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 months Term Shares Certificate
$0
3.41%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
4 Year Share CD or IRA CD
$500
3.40%
Rate3.35%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
48 MONTHS Certificates of Deposit
$1,000
3.30%
Rate3.25%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
48 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
48 Month Certificate of Deposit (IRA)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
48 Month Daily Compound CD
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 48 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 48 Month
$0
3.29%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
48-Month IRA Share Certificate
$0
3.16%
Rate3.12%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 48 Month Term
$10,000
3.15%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 48 months
$0
3.15%
Rate3.11%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
48 Month CD
$1,000
3.09%
Rate3.05%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
4 Year CD
$1,000
3.09%
Rate3.05%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 4 Year
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month ADVANTAGE CD/IRA
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
48 MONTH CERTIFICATE OF DEPOSIT
$500
3.00%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
4 Year Certificate
$500
3.00%
Rate2.97%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
48 months CD
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 48 month term
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
48-month term Standard CDs
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 4 year
$250
2.75%
Rate2.71%
Min Deposit$250
Min Balance
UpdatedApr 23, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 48 Months
$1,000
2.55%
Rate2.52%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
48 Month CD
$0
2.52%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
4 Year** Certificates of Deposit
$0
2.52%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
310 N Missouri St, Macon, MO 63552
Certificates of Deposit / 48 months
$500
2.52%
Rate2.50%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

$500 minimum deposit required

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
4 Year Certificates of Deposit
$500
2.50%
Rate2.48%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
48 Month Certificate of Deposit
$500
2.27%
Rate2.25%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 48 Months
$0
2.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Peoples Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
101 S 3rd St, Louisiana, MO 63353
Certificates of Deposit 48 months
$0
2.22%
Rate2.20%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$0
2.00%
Rate1.99%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Raytown Lee\'s Summit Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
10021 E 66th Ter, Raytown, MO 64133
48 MONTH CD
$500
1.81%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Security Bank of Southwest Missouri
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
1321 Old Highway 37, Cassville, MO 65625
4 Year Certificate of Deposit
$1,000
1.66%
Rate1.65%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Minimum maturity is 6 months. $1,000.00 minimum deposit. Substantial penalty for early withdrawal.

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%
12555 Manchester Rd, Saint Louis, MO 63131
5-year FDIC-Insured Certificates of Deposit
$0
4.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months Jumbo IRA
$0
4.07%
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
3.91%
Rate3.85%
Min Deposit$50,000
Min Balance
UpdatedApr 23, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
60 Months Special Click to Open CD
$1,000
3.89%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
60 Month Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Share CD or IRA CD
$500
3.60%
Rate3.54%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
60 Month CD or IRA CD
$500
3.60%
Rate3.55%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Interest paid quarterly

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
60 MONTHS Certificates of Deposit
$1,000
3.56%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO 65708
60 Months Certificates (Includes IRA Certificates)
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
60 Month CD
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Months Certificate of Deposit & IRA CD
$1,000
3.50%
Rate3.46%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 23, 2026
Details

$100,000 Minimum to Earn APY

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 60 Months
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
60 Month Share Certificate of Deposit
$0
3.50%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Share Certificates 60 months
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
161 US Highway 60 W, Republic, MO 65738
60-Month IRA CD
$0
3.46%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 60-month term
$0
3.44%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
60 Month Certificate
$0
3.44%
Rate3.39%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Preferred Rate with any checking account

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO 63045 1518
60 Months Certificate
$0
3.41%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 months Term Shares Certificate
$0
3.41%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
IRA Certificates 60 Months
$0
3.41%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
Rate
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Certificate of Deposit (IRA)
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 60 Months
$1,000
3.25%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
60-Month IRA Share Certificate
$0
3.21%
Rate3.16%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
Rate3.15%
Min Deposit$2,500
Min Balance
UpdatedApr 23, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO 63108
Share Certificates 60 months
$0
3.20%
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Maries County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
205 Highway 63 N, Vienna, MO 65582
60 Month CD
$1,000
3.14%
Rate3.10%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 5 Year
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
60-month term Standard CDs
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
310 W 92 Hwy, Kearney, MO 64060
60 Month Daily Compound CD
$0
3.05%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit 60 Month
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
310 N Missouri St, Macon, MO 63552
Certificates of Deposit / 60 months
$500
3.03%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

$500 minimum deposit required

Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
103 Commerce St, Glasgow, MO 65254
60 Month CD
$1,000
3.03%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificates & IRA Share Certificates 60 Month Term
$10,000
3.00%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month ADVANTAGE CD/IRA
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 5 year
$0
3.00%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 W Washington St, Carrollton, MO 64633
60 MONTH CERTIFICATE OF DEPOSIT
$500
3.00%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
5 Year Certificate
$500
3.00%
Rate2.97%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
5 Year CD
$1,000
3.00%
Rate2.97%
Min Deposit$1,000
Min Balance
UpdatedApr 23, 2026
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
60 months CD
$0
3.00%
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share & IRA Certificates 60 month term
$0
2.90%
Rate2.87%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal CD 5 year
$250
2.75%
Rate2.71%
Min Deposit$250
Min Balance
UpdatedApr 23, 2026
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
60 Month CD
$0
2.52%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
5-year CD
$0
2.52%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
5 Year** Certificates of Deposit
$0
2.52%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO 65265
Regular and IRA Share Certificate 60 Months
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
5 Year Certificates of Deposit
$500
2.50%
Rate2.48%
Min Deposit$500
Min Balance
UpdatedApr 23, 2026
Details

Peoples Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
101 S 3rd St, Louisiana, MO 63353
Certificates of Deposit 60 months
$0
2.42%
Rate2.40%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Missouri Institutions

Highest verified APYs available today — updated April 23, 2026

B Top 5 Bank Rates
Edward Jones Trust Company
4-year FDIC-Insured Certificates of Deposit
A+ 5.0 ★ TX: 0.00%
Min: $0
4.10%
Omb Bank
3 Month CD
A+ 5.0 ★ TX: 4.97%
Min: $0
4.05%
The Corner Stone Bank
CD 6 Months
A 5.0 ★ TX: 13.24%
Min: $1,000
4.05%
FNB of Nevada, Missouri
Basic CDs 3 Month
A+ 5.0 ★ TX: 0.78%
Min: $0
4.01%
CIBC
12-month CD
A+ 5.0 ★ TX: 2.97%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Service 1 Federal Credit Union
Youth Certificates 1 6 months
A+ 5.0 ★ TX: 1.93%
Min: $0
4.75%
MECE Credit Union
IRA & HSA Certificates 48 Months Jumbo IRA
A+ 5.0 ★ TX: 0.48%
Min: $0
4.49%
Conservation Employees Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 0.38%
Min: $0
4.10%
Chicago Patrolmens Federal Credit Union
Jumbo 6-Month Share Certificate
A+ 5.0 ★ TX: 4.79%
Min: $100,000
4.08%
First Missouri Credit Union
18 month CD
A 5.0 ★ TX: 11.19%
Min: $0
4.05%
Rates verified April 23, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Missouri CD Rate Trends

Compare local Missouri CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Missouri CD Trends →
12-Month CD — MO Avg
2.980%
▲ 0.150 vs 7 days ago

Missouri 12-month CD rates rose 0.150 points over the past 7 days to 2.980% APY.

6-Month CD — MO Avg
2.764%
▼ 0.063 vs 7 days ago

Missouri 6-month CD rates fell 0.063 points over the past 7 days to 2.764% APY.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MO CD Rate Forecast — Next 12 Months

Where are Missouri CD rates headed through April 2027?

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

MO 12-Month Avg APY
2.980%
6-Month Forecast
2.980%
Range: 2.78% – 3.13%
12-Month Forecast
2.730%
Range: 2.53% – 2.88%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Missouri average 12-month CD APY in our database.

Spread model: The Missouri 12-month CD average currently trades 1.40% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at MO CD Rates Today

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

CD Term MO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.219% $110.97 $221.94 $554.85 $1,109.70
6-Month CD 2.764% $138.18 $276.36 $690.90 $1,381.80
12-Month CD 2.980% $149.01 $298.02 $745.05 $1,490.10
18-Month CD 2.672% $133.59 $267.17 $667.93 $1,335.85
24-Month CD 2.720% $135.99 $271.97 $679.93 $1,359.85
36-Month CD 2.773% $138.67 $277.33 $693.33 $1,386.65
48-Month CD 2.819% $140.95 $281.90 $704.75 $1,409.50
60-Month CD 2.898% $144.88 $289.75 $724.38 $1,448.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 23, 2026.

Sample CD Ladder for Missouri Savers

$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder →
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 2.219% $110.97
2 6-Month CD $5,000 2.764% $138.18
3 12-Month CD $5,000 2.980% $149.01
4 24-Month CD $5,000 2.720% $135.99
5 36-Month CD $5,000 2.773% $138.67
Total ($25,000 invested) $25,000 2.691% blended $672.82/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.

758
CD Rates
Tracked in Missouri
41 Banks 42 Credit Unions

About Our Missouri CD Rate Database

MonitorBankRates tracks 758 CD rates from 41 banks and 42 credit unions with locations in Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: Service 1 Federal Credit Union offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Missouri.

How to Find the Best CD Rates in Missouri

What to compare when shopping for a CD in Missouri

To find the best APYs in Missouri, start with credit unions and online-only banks — Missouri has 42 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 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 Missouri — 83 institutions here report CD rates

Consider an Alternative If…

Missouri Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At MO 12-mo avg 2.980% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.980%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $127 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 Missouri

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Frequently Asked Questions about CD Rates in Missouri

Are CD rates in Missouri FDIC insured?

Yes, most established banks in 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 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 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 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 Missouri?

Here are recent top rates found for this area:
  • Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months)
  • MECE Credit Union: 4.49% APY (IRA & HSA Certificates 48 Months Jumbo IRA)
  • Conservation Employees Credit Union: 4.10% APY (12 Month Certificate)
  • Edward Jones Trust Company: 4.10% APY (4-year FDIC-Insured Certificates of Deposit)
  • Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
  • Omb Bank: 4.05% APY (3 Month CD)
  • Alliance Credit Union Fenton, MO: 4.05% APY (Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD)
  • The Corner Stone Bank: 4.05% APY (CD 6 Months)
  • First Missouri Credit Union: 4.05% APY (18 month CD)
  • FNB of Nevada, Missouri: 4.01% APY (Basic CDs 3 Month)
Rates reflect recent verified offers available in Missouri. Last Updated: April 23, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: April 23, 2026

Cities in Missouri

  • Adrian
  • Advance
  • Agency
  • Alba
  • Albany
  • Aldrich
  • Alexandria
  • Allendale
  • Allenton
  • Alma
  • Altamont
  • Altenburg
  • Alton
  • Amazonia
  • Amity
  • Amoret
  • Amsterdam
  • Anabel
  • Anderson
  • Annada
  • Annapolis
  • Anniston
  • Appleton City
  • Arbela
  • Arbyrd
  • Arcadia
  • Archie
  • Arcola
  • Argyle
  • Armstrong
  • Arnold
  • Arrow Rock
  • Asbury
  • Ash Grove
  • Ashburn
  • Ashland
  • Atlanta
  • Augusta
  • Aurora
  • Auxvasse
  • Ava
  • Avilla
  • Bakersfield
  • Ballwin
  • Baring
  • Barnard
  • Barnett
  • Barnhart
  • Bates City
  • Beaufort
  • Belgrade
  • Bell City
  • Belle
  • Belleview
  • Bellflower
  • Belton
  • Bendavis
  • Benton
  • Benton City
  • Berger
  • Bernie
  • Bertrand
  • Bethany
  • Bethel
  • Beulah
  • Bevier
  • Billings
  • Birch Tree
  • Bismarck
  • Bixby
  • Black
  • Blackburn
  • Blackwater
  • Blackwell
  • Blairstown
  • Bland
  • Blodgett
  • Bloomfield
  • Bloomsdale
  • Blue Eye
  • Blue Mound
  • Blue Springs
  • Blythedale
  • Bogard
  • Bois D Arc
  • Bolckow
  • Bolivar
  • Bonne Terre
  • Bonnots Mill
  • Boonville
  • Boss
  • Bosworth
  • Bourbon
  • Bowling Green
  • Bradleyville
  • Bragg City
  • Braggadocio
  • Brandsville
  • Branson
  • Brashear
  • Braymer
  • Brazeau
  • Breckenridge
  • Briar
  • Bridgeton
  • Brighton
  • Brinktown
  • Brixey
  • Bronaugh
  • Brookfield
  • Brookline Station
  • Broseley
  • Browning
  • Brownwood
  • Brumley
  • Bruner
  • Brunswick
  • Bucklin
  • Buckner
  • Bucyrus
  • Buffalo
  • Bunceton
  • Bunker
  • Burfordville
  • Burlington Junction
  • Butler
  • Butterfield
  • Cabool
  • Cadet
  • Cainsville
  • Cairo
  • Caledonia
  • Calhoun
  • California
  • Callao
  • Camden
  • Camden Point
  • Camdenton
  • Cameron
  • Campbell
  • Canalou
  • Canton
  • Cape Fair
  • Cape Girardeau
  • Caplinger Mills
  • Cardwell
  • Carl Junction
  • Carrollton
  • Carterville
  • Carthage
  • Caruthersville
  • Cascade
  • Cassville
  • Catawissa
  • Catron
  • Caulfield
  • Cedar City
  • Cedar Hill
  • Cedarcreek
  • Center
  • Centertown
  • Centerview
  • Centerville
  • Centralia
  • Chadwick
  • Chaffee
  • Chamois
  • Charleston
  • Cherryville
  • Chesterfield
  • Chestnutridge
  • Chilhowee
  • Chillicothe
  • Chula
  • Clarence
  • Clark
  • Clarksburg
  • Clarksdale
  • Clarksville
  • Clarkton
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