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CD Rate Trends

Missouri Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Missouri CD rates range from 0.20% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Missouri CD rates include Century Credit UnionCentury Credit Union1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405A+5.0 ★Texas Ratio: 1.27%Real return: +7.20%APY minus CPI (February 2026) offering 6 Month Teen CD at 10.00% APY, Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit Union312 W Main St, Park Hills, MO 63601 2544A+5.0 ★Texas Ratio: 1.03%Real return: +3.34%APY minus CPI (February 2026) offering 12 month Youth CD at 6.14% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +2.40%APY minus CPI (February 2026) offering 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY, De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit Union2082 Rock Rd, De Soto, MO 63020 1052A5.0 ★Texas Ratio: 8.77%Real return: +2.29%APY minus CPI (February 2026) offering 1 Year Certificate of Deposit at 5.09% APY, and National Police Federal Credit UnionNational Police Federal Credit Union106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200A+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Missouri side-by-side. Missouri CD rates currently reach as high as 10.00% APY from Century Credit Union at 1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Missouri

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Missouri 3 Month CD Rates

MonitorBankRates Missouri Average · 3 Month CD1.95% APY▲ 0.05% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Missouri is 1.95% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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
3 Month FDIC-Insured Certificate of Deposit
$0
4.15% ▲ 2.20% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 2.20% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 24, 2026: 4.10% APYSep 27, 2026: 4.20% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.15%▼ from 4.20%
  • Sep 27, 20264.20%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 3 Months
$500
4.08% ▲ 2.13% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 2.13% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 3 Month
$0
4.06% ▲ 2.11% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 2.11% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 13, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
3 Month Certificate
$0
4.05% ▲ 2.10% above Missouri avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 2.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months Jumbo IRA
$100,000
4.02% ▲ 2.07% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.07% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.02% ▲ 0.52 pts · high 4.02% / low 3.50%
2.98%3.76%4.54%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.56% APYOct 10, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.02%▲ from 3.56%
  • Sep 27, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 3 Months Jumbo IRA
$100,000
4.02% ▲ 2.07% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.07% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 10, 2026: 4.02% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months Jumbo+ Certificate
$100,000
4.01% ▲ 2.06% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.06% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.01%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
214 S Franklin St, Kirksville, MO 63501
3-Month CD
$1,000
4.00% ▲ 2.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 2.05% above avgNationally 2.09%
Details

Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months Jumbo Certificate
$10,000
3.96% ▲ 2.01% above Missouri avg
View
▼
Rate3.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.01% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.96% ▲ 0.41 pts · high 3.96% / low 3.55%
3.05%3.76%4.46%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.96%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
3-Month CD
$500
3.90% ▲ 1.95% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Month Certificate
$500
3.87% ▲ 1.92% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.92% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.87% ▲ 0.32 pts · high 3.87% / low 3.55%
3.05%3.71%4.37%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 3 Months
$500
3.87% ▲ 1.92% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.92% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12210 S 71 Hwy, Grandview, MO 64030
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Interest paid at term or maturity of CD

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Month Certificate
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$0
3.75% ▲ 1.80% above Missouri avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 3 Month
$0
3.75% ▲ 1.80% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.80% above avgNationally 2.09%
Details

Regular minimum balance: $500.00; IRA minimum balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
90 Day CD Special
$0
3.65% ▲ 1.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.70% above avgNationally 2.09%
Details

Preferred Rate with any checking account; Rate: 3.70%, APY: 3.75%

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 13, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65% ▲ 1.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$0
3.61% ▲ 1.66% above Missouri avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.66% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 11, 2026: 3.51% APYOct 7, 2026: 3.61% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.61%▲ from 3.51%
  • Sep 11, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Month Performance CD
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
3 Month IRA Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
3 Month Share Certificates
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
3 Month Business Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
3 Month IRA Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
3 Month Share Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
3 Month Certificates of Deposit
$0
3.55% ▲ 1.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
3 Month IRA CD
$0
3.55% ▲ 1.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
201 E Cherry St, Nevada, MO 64772
3-Month CD
$1,000
3.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.45% above avgNationally 2.09%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
3 Month CD
$1,000
3.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.45% above avgNationally 2.09%
Details

APY* (In Branch)

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month CD/IRA
$0
3.35% ▲ 1.40% above Missouri avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 11, 2026: 3.25% APYOct 7, 2026: 3.35% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.35%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
3 Month CD
$0
3.25% ▲ 1.30% above Missouri avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Certificate - 3 Months
$500
3.19% ▲ 1.24% above Missouri avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.24% above avgNationally 2.09%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO 64116 4128
Certificate of Deposit - 3 Month
$0
3.03% ▲ 1.08% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
130 E Main St, Adrian, MO 64720
3 Month Certificate
$0
3.02% ▲ 1.07% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
90 Day Certificate
$1,000
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 90 Day Certificate
$1,000
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
917 1st St, Kennett, MO 63857
3 Month Certificate
$0
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
3 Month Share Certificate
$0
2.95% ▲ 1.00% above Missouri avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average1.95%▲ 1.00% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
3 Month Classic CD
$500
2.90% ▲ 0.95% above Missouri avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.88% ▲ 0.93% above Missouri avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.93% above avgNationally 2.09%
Details

Balance: $100,000.00+

Rate History
No change since Oct 8, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 8, 2026: 2.88% APYOct 8, 2026Oct 13, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.83% ▲ 0.88% above Missouri avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.88% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 8, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 8, 2026: 2.83% APYOct 8, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
3 Month CD
$0
2.78% ▲ 0.83% above Missouri avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.83% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 7, 2026: 2.78% APYSep 7, 2026Oct 13, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
100 W 4th St, Salem, MO 65560
3 Month Certificate
$1,000
2.78% ▲ 0.83% above Missouri avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.83% above avgNationally 2.09%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 8, 2026: 2.78% APYOct 8, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
916 N Kings Hwy, Perryville, MO 63775
3 Month CD
$500
2.69% ▲ 0.74% above Missouri avg
View
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.74% above avgNationally 2.09%
Details

Compounding: at maturity

Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 6 times
2.19%2.69%3.19%Sep 18, 2026: 2.69% APYSep 18, 2026Oct 13, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
100 E 20th St, Kansas City, MO 64108
3 Months CD
$1,000
2.60% ▲ 0.65% above Missouri avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.65% above avgNationally 2.09%
Details

CD Only*

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 18, 2026: 2.50% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.60%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
3 Month IRA Certificate
$1,000
2.52% ▲ 0.57% above Missouri avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.57% above avgNationally 2.09%
Details

Compounded Maturity

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Month Business CDs
$0
2.45% ▲ 0.50% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
3 Month CD
$1,000
2.27% ▲ 0.32% above Missouri avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.32% above avgNationally 2.09%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 3 Months
$1,000
2.15% ▲ 0.20% above Missouri avg
View
▼
Rate2.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.20% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026

Missouri 6 Month CD Rates

MonitorBankRates Missouri Average · 6 Month CD2.91% APY▲ 0.04% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Missouri is 2.91% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$1,000
10.00% ▲ 7.09% above Missouri avg
View
▼
Rate9.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.78%
Details

max $1,000

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APYSep 14, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Youth Certificates
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APYOct 6, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.67% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.78%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6 Month FDIC-Insured Certificate of Deposit
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 24, 2026: 4.20% APYOct 3, 2026: 4.25% APYOct 7, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.25%
  • Oct 3, 20264.25%▲ from 4.20%
  • Sep 24, 20264.20%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 6 Month
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 6 Months
$500
4.24% ▲ 1.33% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.78%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.23% ▲ 0.33 pts · high 4.23% / low 3.90%
3.40%4.07%4.73%Sep 14, 2026: 3.90% APYSep 27, 2026: 3.97% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 3.97%
  • Sep 27, 20263.97%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 10, 2026: 4.23% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo+ Certificate
$100,000
4.22% ▲ 1.31% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.31% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.22% ▲ 0.32 pts · high 4.22% / low 3.90%
3.40%4.06%4.72%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.22% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
6 Month Certificate
$2,000
4.19% ▲ 1.28% above Missouri avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.28% above avgNationally 2.78%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo Certificate
$10,000
4.16% ▲ 1.25% above Missouri avg
View
▼
Rate4.10%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.25% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.16% ▲ 0.26 pts · high 4.16% / low 3.90%
3.40%4.03%4.66%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.16% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.16%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 6 Month
$0
4.14% ▲ 1.23% above Missouri avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.23% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 8, 2026: 4.14% APYOct 8, 2026Oct 13, 2026
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 or 6 Month CD
$1,000
4.10% ▲ 1.19% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.19% above avgNationally 2.78%
Details

Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Rate History
1 change since Sep 7, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 7, 2026: 3.85% APYSep 19, 2026: 4.10% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.10%▲ from 3.85%
  • Sep 7, 20263.85%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
6-Month Special CD
$0
4.09% ▲ 1.18% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Oct 7, 2026: 4.09% APYOct 7, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Certificate - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO 64804
CD Terms - 6 Month
$0
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

As of 10/01/2026

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Month Certificate
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.07% ▲ 0.11 pts · high 4.07% / low 3.96%
3.46%4.02%4.57%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Month Certificate
$500
4.06% ▲ 1.15% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.15% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.06%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
6 Month Certificate
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.78%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 6-Month
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
6 Month Certificates of Deposit
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 6 Months
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month CD
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6-Month IRA
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Youth Certificate
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Youth Certificates - 6 months - FEATURED RATE
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO 64093
6 Month Short Term and IRA Short Term Certificates
$500
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
6 Month CD or IRA CD
$500
3.95% ▲ 1.04% above Missouri avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.04% above avgNationally 2.78%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 8, 2026: 3.95% APYSep 8, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
6-Month CD
$500
3.95% ▲ 1.04% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.04% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.91% ▲ 1.00% above Missouri avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.00% above avgNationally 2.78%
Details

Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.91% ▲ 0.20 pts · high 3.91% / low 3.71%
3.21%3.81%4.41%Sep 14, 2026: 3.71% APYOct 9, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.91%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
HNB National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
118 West 1st, Stanberry, MO 64489
6 Month CD
$1,000
3.90% ▲ 0.99% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.99% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 13, 2026
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
100 Circle Dr, New Haven, MO 63068
6 Month CD
$1,000
3.89% ▲ 0.98% above Missouri avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.98% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.89% APY · checked 6 times
3.39%3.89%4.39%Sep 19, 2026: 3.89% APYSep 19, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 Month Term Shares Certificate
$0
3.89% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.98% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.89% APY · checked 4 times
3.39%3.89%4.39%Sep 25, 2026: 3.89% APYSep 25, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.86% ▲ 0.95% above Missouri avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.95% above avgNationally 2.78%
Details

Balance: $10,000 - $24,999; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.86% ▲ 0.15 pts · high 3.86% / low 3.71%
3.21%3.78%4.36%Sep 14, 2026: 3.71% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
9750 N Ash Ave, Kansas City, MO 64157
6 Month Certificate
$1,000
3.85% ▲ 0.94% above Missouri avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 13, 2026
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
6 Month CD
$0
3.85% ▲ 0.94% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 20, 2026: 3.50% APYOct 8, 2026: 3.85% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.85%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1000 E Main St, Park Hills, MO 63601
6 Month Certificates of Deposit
$0
3.82% ▲ 0.91% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 19, 2026: 3.56% APYSep 27, 2026: 3.82% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.82%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 6-Month
$0
3.81% ▲ 0.90% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.90% above avgNationally 2.78%
Details

Balance: $0 - $9,999; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71%
3.21%3.76%4.31%Sep 14, 2026: 3.71% APYOct 9, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.81%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month Certificates of Deposit
$1,000
3.80% ▲ 0.89% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.78%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
6 Month Business In-House Specials - Certificates of Deposit
$5,000
3.80% ▲ 0.89% above Missouri avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
6 Month In-House Specials - Certificates of Deposit
$5,000
3.80% ▲ 0.89% above Missouri avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
6 Month Certificate Accounts
$0
3.80% ▲ 0.89% above Missouri avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
931 State Highway 248, Branson, MO 65616
6 Month CD
$1,000
3.77% ▲ 0.86% above Missouri avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.77% APY · checked 2 times
3.27%3.77%4.27%Sep 7, 2026: 3.77% APYSep 7, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
6 Month Share Certificate
$0
3.75% ▲ 0.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026

Missouri 12 Month CD Rates

MonitorBankRates Missouri Average · 12 Month CD3.11% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Missouri is 3.11% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
312 W Main St, Park Hills, MO 63601 2544
12 month Youth CD
$100
6.14% ▲ 3.03% above Missouri avg
View
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 3.03% above avgNationally 2.99%
Details

$1000.00 Maximum

Rate History
No change since Oct 10, 2026 · 6.14% APY
5.64%6.14%6.64%Oct 10, 2026: 6.14% APYOct 10, 2026Oct 13, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO 63020 1052
1 Year Certificate of Deposit
$5,000
5.09% ▲ 1.98% above Missouri avg
View
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.98% above avgNationally 2.99%
Details

Maximum $100,000.00 for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 6 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APYSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
12 Month 75th Anniversary Certificates of Deposit
$7,500
4.84% ▲ 1.73% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.73% above avgNationally 2.99%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 10, 2026: 4.84% APYOct 10, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
12-Month IRA
$0
4.60% ▲ 1.49% above Missouri avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.49% above avgNationally 2.99%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificate of Deposit
$0
4.55% ▲ 1.44% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 1.44% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
3.85%4.45%5.05%Sep 24, 2026: 4.35% APYSep 27, 2026: 4.37% APYOct 3, 2026: 4.50% APYOct 7, 2026: 4.55% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.55%▲ from 4.50%
  • Oct 3, 20264.50%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
12 Month Youth Certificates
$0
4.50% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2975 Gardner Edgewood Dr, Neosho, MO 64850 3110
Share Certificates - 1 12 months
$0
4.50% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 12 Month
$0
4.40% ▲ 1.29% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - Youth 12 Month
$0
4.40% ▲ 1.29% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 12 Months
$500
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo IRA
$100,000
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.39% ▲ 0.29 pts · high 4.39% / low 4.10%
3.60%4.24%4.89%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.18% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.18%
  • Sep 27, 20264.18%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 12 Months Jumbo IRA
$100,000
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.39% APY
3.89%4.39%4.89%Oct 10, 2026: 4.39% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.26% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.26% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.37% ▲ 0.27 pts · high 4.37% / low 4.10%
3.60%4.23%4.87%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.24% above Missouri avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.24% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$1,000
4.35% ▲ 1.24% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.24% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo Certificate
$10,000
4.32% ▲ 1.21% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.32% ▲ 0.22 pts · high 4.32% / low 4.10%
3.60%4.21%4.82%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.32% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.32%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
12 Month Special Certificates of Deposit
$10,000
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.25%▼ from 4.60%
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Certificate - 12 Months
$500
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.18% APYOct 13, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.18%
  • Oct 1, 20264.18%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 1-Year
$1,000
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 24, 2026: 4.05% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Month Certificate
$500
4.23% ▲ 1.12% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 12 Months
$500
4.23% ▲ 1.12% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Month Certificate
$500
4.22% ▲ 1.11% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
950 W 92 Hwy, Kearney, MO 64060
12-Month Certificate of Deposit
$500
4.20% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.09% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 1 year
$0
4.20% ▲ 1.09% above Missouri avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
12 Month Certificate
$1,000
4.19% ▲ 1.08% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 13, 2026
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
12-Month Special CD
$0
4.15% ▲ 1.04% above Missouri avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.11% ▲ 1.00% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.00% above avgNationally 2.99%
Details

Balance: $25,000 and over

Rate History
No change since Oct 13, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 13, 2026: 4.11% APYOct 13, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.11% ▲ 1.00% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.00% above avgNationally 2.99%
Details

Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
12 Month CD
$1,000
4.10% ▲ 0.99% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 0.99% above avgNationally 2.99%
Details

Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 19, 2026: 4.10% APYSep 19, 2026Oct 13, 2026
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
12 MONTHS IRA
$500
4.09% ▲ 0.98% above Missouri avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 6 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 Month Term Shares Certificate
$0
4.08% ▲ 0.97% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 0.97% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.08% ▲ 0.38 pts · high 4.08% / low 3.70%
3.20%3.89%4.58%Sep 25, 2026: 3.70% APYOct 4, 2026: 4.08% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.08%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
12 Month Children's Certificate
$100
4.07% ▲ 0.96% above Missouri avg
View
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.96% above avgNationally 2.99%
Details

Children's certificate; Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
12 Month CD
$0
4.06% ▲ 0.95% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 7, 2026: 3.55% APYOct 3, 2026: 4.06% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.55%
  • Sep 7, 20263.55%first recorded
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
1 Year CD
$1,000
4.06% ▲ 0.95% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
444 S Rinker Ave, Aurora, MO 65605
1 Year IRA
$250
4.06% ▲ 0.95% above Missouri avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.06% ▲ 0.95% above Missouri avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Balance: $10,000 - $24,999

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.06% ▲ 0.95% above Missouri avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Balance: $10,000 - $24,999; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.99%4.56%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
12 Month Certificate
$1,000
4.05% ▲ 0.94% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.94% above avgNationally 2.99%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
12 Month CD or IRA CD
$500
4.05% ▲ 0.94% above Missouri avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.94% above avgNationally 2.99%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 12 Months
$1,000
4.05% ▲ 0.94% above Missouri avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 7, 2026: 3.95% APYSep 24, 2026: 4.05% APYSep 7, 2026Oct 13, 2026
  • Sep 24, 20264.05%▲ from 3.95%
  • Sep 7, 20263.95%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
4.01% ▲ 0.90% above Missouri avg
View
▼
Rate3.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 12 Months
$1,000
4.01% ▲ 0.90% above Missouri avg
View
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.90% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.01% ▲ 0.11 pts · high 4.01% / low 3.90%
3.40%3.96%4.51%Sep 14, 2026: 3.90% APYOct 13, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.01%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 12-Month IRA
$0
4.01% ▲ 0.90% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.90% above avgNationally 2.99%
Details

Balance: $0 - $9,999

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 12-Month
$0
4.01% ▲ 0.90% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.90% above avgNationally 2.99%
Details

Balance: $0 - $9,999; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.01%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.89% above Missouri avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
321 S Us Highway 169, Gower, MO 64454
1 year Certificate of Deposit (CD)
$0
4.00% ▲ 0.89% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 7, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 7, 20263.80%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO 64118 1852
12 Month Share Certificates of Deposit (CDs)
$500
4.00% ▲ 0.89% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Certificate dividends are paid at maturity.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
12 Month IRA Certificate
$500
4.00% ▲ 0.89% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
12 Month Premium Certificate of Deposit
$0
4.00% ▲ 0.89% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4717 Grand Ave, Kansas City, MO 64112
1-Year CD
$0
4.00% ▲ 0.89% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026

Missouri 18 Month CD Rates

MonitorBankRates Missouri Average · 18 Month CD2.95% APY▲ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Missouri is 2.95% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
18 Month YOUTH Fair CD Special
$0
4.90% ▲ 1.95% above Missouri avg
View
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.95% above avgNationally 2.87%
Details

See Fair Special options; Preferred Rate with any checking account; Rate: 4.89%, APY: 5.00%

Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
4.40%4.90%5.40%Sep 11, 2026: 4.90% APYSep 11, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18 Month FDIC-Insured Certificate of Deposit
$0
4.75% ▲ 1.80% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.80% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 24, 2026: 4.50% APYSep 27, 2026: 4.55% APYOct 3, 2026: 4.70% APYOct 11, 2026: 4.75% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20264.75%▲ from 4.70%
  • Oct 3, 20264.70%▲ from 4.55%
  • Sep 27, 20264.55%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6900 Clayton Ave, St Louis, MO 63139
18 Month Certificate of Deposit
$1,000
4.52% ▲ 1.57% above Missouri avg
View
▼
Rate4.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.57% above avgNationally 2.87%
Details

Compound Method: Calculated Daily, Compounded Semi-annually

Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
4.02%4.52%5.02%Oct 7, 2026: 4.52% APYOct 7, 2026Oct 13, 2026
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 MONTHS IRA
$500
4.50% ▲ 1.55% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.55% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
950 W 92 Hwy, Kearney, MO 64060
18-Month Certificate of Deposit
$500
4.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.45% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.39% ▲ 0.14 pts · high 4.39% / low 4.25%
3.75%4.32%4.89%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 27, 20264.33%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 14, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.42% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.42% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.37% ▲ 0.17 pts · high 4.37% / low 4.20%
3.70%4.29%4.87%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.32%
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
227 N Lafayette St, Corder, MO 64021
18 Month IRA Certificate
$500
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.87%
Details

Compounded Semi-Annually

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Rising CD 18-Month
$5,000
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
1.75%3.70%5.65%Sep 24, 2026: 3.05% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.35%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo Certificate
$10,000
4.32% ▲ 1.37% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.37% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20%
3.70%4.26%4.82%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
18 Month Certificate
$0
4.31% ▲ 1.36% above Missouri avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 4.31% APY · checked 6 times
3.81%4.31%4.81%Sep 8, 2026: 4.31% APYSep 8, 2026Oct 13, 2026
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
668 Broadway Ste A, Hannibal, MO 63401
18 Month Certificates of Deposit (CDs)
$0
4.25% ▲ 1.30% above Missouri avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.87%
Details

Balance: $5,000 and over

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Month Certificate
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 18 Months
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Month Certificate
$500
4.22% ▲ 1.27% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.27% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
100 Circle Dr, New Haven, MO 63068
18 Month CD
$500
4.20% ▲ 1.25% above Missouri avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
18-Month Variable Rate IRA
$0
4.17% ▲ 1.22% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.22% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
18-month CD
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
1650 N Kingshighway St, Cape Girardeau, MO 63701
18-Month CD
$0
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
18 Month CD or IRA CD
$500
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 18 Months
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1000 E Main St, Park Hills, MO 63601
18 Month Certificates of Deposit
$0
4.12% ▲ 1.17% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.17% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 0.55% → 4.12% ▲ 3.57 pts · high 4.12% / low 0.55%
0.00%3.85%7.69%Sep 19, 2026: 0.55% APYSep 27, 2026: 4.12% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20264.12%▲ from 0.55%
  • Sep 19, 20260.55%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
18 Month Certificates of Deposit
$1,000
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Premium Certificate of Deposit
$0
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.87%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO 64804 4037
CD's - 18 months
$0
3.96% ▲ 1.01% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.01% above avgNationally 2.87%
Details

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 13, 2026: 3.96% APYOct 13, 2026Oct 13, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 18 Months
$1,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
18 Month Business In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
18 Month In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
18 Month IRA CD
$0
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
18 Month Premier CD
$25,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
18 Month Certificate
$1,000
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term
$0
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO 63043
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month ADVANTAGE CD/IRA
$0
3.76% ▲ 0.81% above Missouri avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.81% above avgNationally 2.87%
Details

Rate History
1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 11, 2026: 3.66% APYOct 7, 2026: 3.76% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.76%▲ from 3.66%
  • Sep 11, 20263.66%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
484 Nebraska Avenue, Fort Leonard Wood, MO 65473
18 Month Certificate of Deposit
$500
3.75% ▲ 0.80% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 18 Month
$0
3.75% ▲ 0.80% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

Regular minimum balance: $500.00; IRA minimum balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
18 Month IRA Certificate
$500
3.75% ▲ 0.80% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.75% above Missouri avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
18 Month CD Special
$1,000
3.70% ▲ 0.75% above Missouri avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

Limited Time Only; Open Online (Opens in a new Window)

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
7305 Manchester Rd, Maplewood, MO 63143
18 Months SPECIAL
$1,000
3.70% ▲ 0.75% above Missouri avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
18-Month CD
$500
3.70% ▲ 0.75% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.75% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
18 Month Fixed
$0
3.67% ▲ 0.72% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.72% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.67% APY · checked 7 times
3.17%3.67%4.17%Sep 7, 2026: 3.67% APYSep 7, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
1347 S Ash St, Buffalo, MO 65622
18 Month Certificates of Deposit
$0
3.65% ▲ 0.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO 64131
18 Month Classic CD
$500
3.65% ▲ 0.70% above Missouri avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.70% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
210 Sw Main St, Lees Summit, MO 64063
18 Month Certificate of Deposit
$500
3.60% ▲ 0.65% above Missouri avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
210 Sw Main St, Lees Summit, MO 64063
18 Month Individual Retirement Account CD
$500
3.60% ▲ 0.65% above Missouri avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
210 Sw Main St, Lees Summit, MO 64063
18 Month IRA Certificate of Deposit
$500
3.60% ▲ 0.65% above Missouri avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 7, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2800 E 14th St, Kansas City, MO 64127
1.5 Year Share Certificate
$500
3.60% ▲ 0.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.87%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026

Missouri 24 Month CD Rates

MonitorBankRates Missouri Average · 24 Month CD3.03% APY▲ 0.07% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Missouri is 3.03% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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
2 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 1.97% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.97% above avgNationally 2.88%
Details

Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
4.10%4.80%5.50%Sep 24, 2026: 4.60% APYSep 27, 2026: 4.65% APYOct 3, 2026: 4.85% APYOct 7, 2026: 4.90% APYOct 11, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.00%▲ from 4.90%
  • Oct 7, 20264.90%▲ from 4.85%
  • Oct 3, 20264.85%▲ from 4.65%
  • Sep 27, 20264.65%▲ from 4.60%
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
24-Month IRA
$0
4.81% ▲ 1.78% above Missouri avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.78% above avgNationally 2.88%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.55% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.55% above avgNationally 2.88%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 24 Months
$500
4.55% ▲ 1.52% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.52% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo IRA
$100,000
4.44% ▲ 1.41% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.44% ▲ 0.14 pts · high 4.44% / low 4.30%
3.80%4.37%4.94%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYOct 10, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.44%▲ from 4.39%
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 24 Months Jumbo IRA
$100,000
4.44% ▲ 1.41% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.44% ▲ 0.05 pts · high 4.44% / low 4.39%
3.89%4.42%4.94%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.44%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo+ Certificate
$100,000
4.42% ▲ 1.39% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.39% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
3.80%4.36%4.92%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.42% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.42%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo Certificate
$10,000
4.37% ▲ 1.34% above Missouri avg
View
▼
Rate4.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.37% ▲ 0.07 pts · high 4.37% / low 4.30%
3.80%4.34%4.87%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
24 Month Performance CD
$0
4.35% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
24 Month CD
$0
4.32% ▲ 1.29% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
2.26%3.81%5.35%Sep 7, 2026: 3.29% APYOct 3, 2026: 4.32% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.32%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Term CD 2-Year
$1,000
4.30% ▲ 1.27% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
1.70%3.65%5.60%Sep 24, 2026: 3.00% APYOct 6, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.30%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Month Certificate
$500
4.28% ▲ 1.25% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.28% ▲ 0.06 pts · high 4.28% / low 4.22%
3.72%4.25%4.78%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.28%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 24 Months
$500
4.28% ▲ 1.25% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
3.73%4.26%4.78%Sep 14, 2026: 4.23% APYOct 10, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Month Certificate
$500
4.27% ▲ 1.24% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22%
3.72%4.24%4.77%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.27%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
101 E Grand Ave, Jasper, MO 64755
24-Month Special CD
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 8, 2026: 4.25% APYSep 8, 2026Oct 13, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
24 Month Certificate
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 7, 2026: 4.25% APYSep 7, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 24 Month
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 24 Months
$1,000
4.21% ▲ 1.18% above Missouri avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
3.50%4.11%4.71%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.21% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.21%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.17% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.17% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
24 Month OASIS SPECIALS CERTIFICATE OF DEPOSIT
$1,000
4.16% ▲ 1.13% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 7, 2026: 4.16% APYOct 7, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.08% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.08% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
321 S Us Highway 169, Gower, MO 64454
2 year Certificate of Deposit (CD)
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
2.60%3.73%4.85%Sep 7, 2026: 3.35% APYSep 27, 2026: 4.10% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.35%
  • Sep 7, 20263.35%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
24 Month IRA Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
24 Month Share Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
24 Month Business Certificate
$0
4.09% ▲ 1.06% above Missouri avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.09% ▲ 0.64 pts · high 4.09% / low 3.45%
2.81%3.77%4.73%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.09%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
24 Month Certificate
$1,000
4.08% ▲ 1.05% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
24 Month Business In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
505 Broadway, Hannibal, MO 63401
24 Month In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO 64804 4037
CD's - 24 months
$0
4.06% ▲ 1.03% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
24 Month Certificate
$1,000
4.05% ▲ 1.02% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.02% above avgNationally 2.88%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2191 Lemay Ferry Rd, Lemay, MO 63125
Traditional 24-Month CD
$1,000
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Traditional CDs

Rate History
1 change since Sep 8, 2026 · 3.51% → 4.01% ▲ 0.50 pts · high 4.01% / low 3.51%
3.01%3.76%4.51%Sep 8, 2026: 3.51% APYOct 2, 2026: 4.01% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20264.01%▲ from 3.51%
  • Sep 8, 20263.51%first recorded
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
24-Month CD
$0
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 13, 2026
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 Month CD
$0
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 20, 2026: 3.80% APYOct 8, 2026: 4.01% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.01%▲ from 3.80%
  • Sep 20, 20263.80%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
24-month CD
$1,000
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month CD
$0
4.00% ▲ 0.97% above Missouri avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24-Month IRA
$1,000
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Certificates of Deposit (CD)
$0
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
24 Month Certificate
$0
3.97% ▲ 0.94% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.94% above avgNationally 2.88%
Details

Preferred Rate with any checking account; Rate: 4.00%, APY: 4.07%

Rate History
No change since Sep 11, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 11, 2026: 3.97% APYSep 11, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 2 year
$0
3.95% ▲ 0.92% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA 2 Year
$1,000
3.91% ▲ 0.88% above Missouri avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details

Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity

Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 11, 2026: 3.91% APYSep 11, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
24 Month IRA CD
$0
3.91% ▲ 0.88% above Missouri avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 13, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 24 Months
$1,000
3.85% ▲ 0.82% above Missouri avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
310 N Missouri St, Macon, MO 63552
24 Month Certificates of Deposit
$500
3.85% ▲ 0.82% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.82% above avgNationally 2.88%
Details

$500 minimum deposit required; Rate subject to change daily

Rate History
1 change since Sep 14, 2026 · 2.02% → 3.85% ▲ 1.83 pts · high 3.85% / low 2.02%
0.19%2.93%5.68%Sep 14, 2026: 2.02% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 2.02%
  • Sep 14, 20262.02%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month Certificates of Deposit
$1,000
3.80% ▲ 0.77% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
24 Month Certificate (No penalty for early withdrawal)
$1,000
3.80% ▲ 0.77% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details

No penalty for early withdrawal

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
24 month ADVANTAGE CD/IRA
$0
3.80% ▲ 0.77% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.71% → 3.80% ▲ 0.09 pts · high 3.80% / low 3.71%
3.21%3.76%4.30%Sep 11, 2026: 3.71% APYOct 7, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.71%
  • Sep 11, 20263.71%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
3.80% ▲ 0.77% above Missouri avg
View
▼
Rate3.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 13, 2026

Missouri 36 Month CD Rates

MonitorBankRates Missouri Average · 36 Month CD2.77% APY▲ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Missouri is 2.77% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
36-Month IRA
$0
5.02% ▲ 2.25% above Missouri avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 2.25% above avgNationally 2.81%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 2.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 2.23% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 24, 2026: 4.75% APYSep 27, 2026: 4.90% APYOct 3, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20265.00%▲ from 4.90%
  • Sep 27, 20264.90%▲ from 4.75%
  • Sep 24, 20264.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 36 Months
$500
4.71% ▲ 1.94% above Missouri avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.81% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.81%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.24 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
3.89%4.47%5.04%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo+ Certificate
$100,000
4.52% ▲ 1.75% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.75% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
3.80%4.41%5.02%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo Certificate
$10,000
4.47% ▲ 1.70% above Missouri avg
View
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.70% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.47% ▲ 0.17 pts · high 4.47% / low 4.30%
3.80%4.39%4.97%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.47%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Month Certificate
$500
4.39% ▲ 1.62% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.39% ▲ 0.17 pts · high 4.39% / low 4.22%
3.72%4.31%4.89%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 36 Months
$500
4.39% ▲ 1.62% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23%
3.73%4.31%4.89%Sep 14, 2026: 4.23% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Month Certificate
$500
4.37% ▲ 1.60% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.60% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
4.35% ▲ 1.58% above Missouri avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 8, 2026: 4.35% APYSep 8, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
36 Month CD
$0
4.32% ▲ 1.55% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 1.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
2.26%3.81%5.35%Sep 7, 2026: 3.29% APYOct 3, 2026: 4.32% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.32%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 36 Month
$0
4.25% ▲ 1.48% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.43% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.43% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
36-Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36-Month IRA
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.34% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.34% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
36 Month Certificate
$1,000
4.08% ▲ 1.31% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
United Bank of Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.38%
15 E Main St, Union, MO 63084
36 Month Certificate Special
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
36 Month IRA CD
$0
3.96% ▲ 1.19% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 3 year
$0
3.95% ▲ 1.18% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 11, 2026: 3.91% APYSep 11, 2026Oct 13, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
3 Year Certificate
$500
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 13, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
IRA - 3 Year
$500
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.91% ▲ 0.61 pts · high 3.91% / low 3.30%
2.69%3.61%4.52%Sep 14, 2026: 3.30% APYOct 8, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.91%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month ADVANTAGE CD/IRA
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76%
3.26%3.80%4.35%Sep 11, 2026: 3.76% APYOct 7, 2026: 3.85% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.76%
  • Sep 11, 20263.76%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
36 Month Business Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
36 Month IRA Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
36 Month Share Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month Certificates of Deposit
$1,000
3.80% ▲ 1.03% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 Month CD
$0
3.80% ▲ 1.03% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 20, 2026: 3.50% APYOct 8, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.80%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 36 Months
$0
3.80% ▲ 1.03% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.75% ▲ 0.98% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 3 Year
$0
3.75% ▲ 0.98% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Regular minimum balance: $500.00; IRA minimum balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 36 Months
$0
3.70% ▲ 0.93% above Missouri avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.93% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Certificate - 36 Months
$500
3.67% ▲ 0.90% above Missouri avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.90% above avgNationally 2.81%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month CD/IRA
$0
3.60% ▲ 0.83% above Missouri avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51%
3.01%3.55%4.10%Sep 11, 2026: 3.51% APYOct 7, 2026: 3.60% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.51%
  • Sep 11, 20263.51%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.60% ▲ 0.83% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.60% ▲ 0.83% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60% ▲ 0.83% above Missouri avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
IRA Share Certificate - 36-Month IRA
$0
3.56% ▲ 0.79% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.79% above avgNationally 2.81%
Details

Balance: $25,000 and over

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Certificate - 36-Month
$0
3.56% ▲ 0.79% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.79% above avgNationally 2.81%
Details

Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40%
2.90%3.48%4.06%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.56%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
117 N Main St, South West City, MO 64863
CD 36 Months
$1,000
3.55% ▲ 0.78% above Missouri avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.55% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026

Missouri 48 Month CD Rates

MonitorBankRates Missouri Average · 48 Month CD2.82% APY▲ 0.02% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Missouri is 2.82% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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
4 Year FDIC-Insured Certificate of Deposit
$0
5.10% ▲ 2.28% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 2.28% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
4.35%4.98%5.60%Sep 24, 2026: 4.85% APYSep 27, 2026: 4.95% APYOct 3, 2026: 5.00% APYOct 7, 2026: 5.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20265.10%▲ from 5.00%
  • Oct 3, 20265.00%▲ from 4.95%
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 24, 20264.85%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.65% ▲ 1.83% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.83% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 14, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
4.65% ▲ 1.83% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.65% APY · checked 6 times
4.15%4.65%5.15%Sep 14, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo+ Certificate
$100,000
4.63% ▲ 1.81% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.81% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.63% ▲ 0.08 pts · high 4.63% / low 4.55%
4.05%4.59%5.13%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.63% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.63%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.76% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo Certificate
$10,000
4.58% ▲ 1.76% above Missouri avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.58% ▲ 0.03 pts · high 4.58% / low 4.55%
4.05%4.56%5.08%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.58% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.58%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Month Certificate
$500
4.49% ▲ 1.67% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.67% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.47% → 4.49% ▲ 0.02 pts · high 4.49% / low 4.47%
3.97%4.48%4.99%Sep 14, 2026: 4.47% APYOct 10, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.49%▲ from 4.47%
  • Sep 14, 20264.47%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 48 Months
$500
4.49% ▲ 1.67% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.49% APY · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Month Certificate
$500
4.47% ▲ 1.65% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 6 times
3.97%4.47%4.97%Sep 14, 2026: 4.47% APYSep 14, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40% ▲ 1.58% above Missouri avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 1.58% above avgNationally 2.80%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 8 times
3.90%4.40%4.90%Sep 8, 2026: 4.40% APYSep 8, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.32% ▲ 1.50% above Missouri avg
View
▼
Rate4.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.50% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 13, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
100 E Locust St, Union, MO 63084
48 Month Certificate
$0
4.25% ▲ 1.43% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 7, 2026: 4.25% APYSep 7, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 48 Month
$0
4.25% ▲ 1.43% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month CD
$0
4.15% ▲ 1.33% above Missouri avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48-Month IRA
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
48 Month Certificate
$1,000
4.08% ▲ 1.26% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
4.06% ▲ 1.24% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month ADVANTAGE CD/IRA
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 11, 2026: 3.85% APYOct 7, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.96%▲ from 3.85%
  • Sep 11, 20263.85%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$50,000
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
48 Month IRA CD
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 4 year
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
48 Month Business Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
48 Month IRA Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
48 Month Share Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Premium Certificate of Deposit
$0
3.90% ▲ 1.08% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.08% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 48 Months
$0
3.85% ▲ 1.03% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month Certificates of Deposit
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
48 Month CD
$0
3.80% ▲ 0.98% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 3.80% ▲ 0.51 pts · high 3.80% / low 3.29%
2.78%3.55%4.31%Sep 7, 2026: 3.29% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2130 Jefferson ST Ste A, Kansas City, MO 64108
48 Month Share Certificate of Deposit
$0
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 48 Months
$1,000
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 13, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 4 Year
$0
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Regular minimum balance: $500.00; IRA minimum balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month CD/IRA
$0
3.70% ▲ 0.88% above Missouri avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.88% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 11, 2026: 3.60% APYOct 7, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.88% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.88% above avgNationally 2.80%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
Certificate - 48 Months
$500
3.67% ▲ 0.85% above Missouri avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.85% above avgNationally 2.80%
Details

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 13, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
48 Month Certificate
$1,000
3.65% ▲ 0.83% above Missouri avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$0
3.60% ▲ 0.78% above Missouri avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.60%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$100,000
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.55% ▼ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.55%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
48 Month CD
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
533 Campbell St, Kansas City, MO 64106 1274
Certificate of Deposit (CD) - 48 Month
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$50,000
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
48 Month IRA Certificate
$500
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
2.70%3.38%4.05%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.20%
  • Sep 14, 20263.20%first recorded

Missouri 60 Month CD Rates

MonitorBankRates Missouri Average · 60 Month CD2.92% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Missouri is 2.92% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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 Certificate of Deposit
$0
5.20% ▲ 2.28% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 2.28% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
4.40%5.05%5.70%Sep 24, 2026: 4.90% APYSep 27, 2026: 5.05% APYOct 7, 2026: 5.15% APYOct 11, 2026: 5.20% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.20%▲ from 5.15%
  • Oct 7, 20265.15%▲ from 5.05%
  • Sep 27, 20265.05%▲ from 4.90%
  • Sep 24, 20264.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo IRA
$100,000
4.70% ▲ 1.78% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.78% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
3.95%4.58%5.20%Sep 14, 2026: 4.45% APYSep 27, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 27, 20264.54%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.70% ▲ 1.78% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
4.04%4.62%5.20%Sep 14, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo+ Certificate
$100,000
4.68% ▲ 1.76% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.76% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
3.95%4.56%5.18%Sep 18, 2026: 4.45% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.68% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.68%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.45%
  • Sep 18, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo Certificate
$10,000
4.63% ▲ 1.71% above Missouri avg
View
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.71% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40%
3.90%4.52%5.13%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.63% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.63%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
60 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.66% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.66% above avgNationally 2.90%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Month Certificate
$500
4.54% ▲ 1.62% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.54% ▲ 0.17 pts · high 4.54% / low 4.37%
3.87%4.46%5.04%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates - 60 Months
$500
4.54% ▲ 1.62% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
3.89%4.47%5.04%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Month Certificate
$500
4.52% ▲ 1.60% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.60% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37%
3.87%4.45%5.02%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
200 W Main St, Washington, MO 63090
60 Month CD or IRA CD
$500
4.45% ▲ 1.53% above Missouri avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 1.53% above avgNationally 2.90%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 8 times
3.95%4.45%4.95%Sep 8, 2026: 4.45% APYSep 8, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
900 E 8th St, Washington, MO 63090
60 Month Certificate
$0
4.34% ▲ 1.42% above Missouri avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.42% above avgNationally 2.90%
Details

Preferred Rate with any checking account; Rate: 4.36%, APY: 4.45%

Rate History
No change since Sep 11, 2026 · 4.34% APY · checked 7 times
3.84%4.34%4.84%Sep 11, 2026: 4.34% APYSep 11, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
318 W Main St, Sullivan, MO 63080
60 Months Special CD
$1,000
4.30% ▲ 1.38% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 1.38% above avgNationally 2.90%
Details

Available as IRA in Branch:

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month CD
$0
4.25% ▲ 1.33% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60-Month IRA
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Certificates - 60 Month
$0
4.25% ▲ 1.33% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 N Osage Blvd, Nevada, MO 64772
60 Month Certificate
$1,000
4.08% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
4.06% ▲ 1.14% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 13, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2301 Independence Boulevard, Kansas City, MO 64124
5 Year Certificate
$500
4.06% ▲ 1.14% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month ADVANTAGE CD/IRA
$0
4.01% ▲ 1.09% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 11, 2026: 3.91% APYOct 7, 2026: 4.01% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20264.01%▲ from 3.91%
  • Sep 11, 20263.91%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
3.96% ▲ 1.04% above Missouri avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
220 N Jefferson St, Saint James, MO 65559
60 Month IRA CD
$0
3.96% ▲ 1.04% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
100 W Walnut St, Nevada, MO 64772
Basic CD - 5 year
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
60 Month Business Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
60 Month IRA Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO 64151
60 Month Share Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.98% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 60 Months
$0
3.90% ▲ 0.98% above Missouri avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.92%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO 65584
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.93% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
60 Month Certificates of Deposit
$1,000
3.80% ▲ 0.88% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
119 N Main St, Seymour, MO 65746
60 Month CD
$0
3.80% ▲ 0.88% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO 63026 1913
Certificate of Deposit - 60 Months
$1,000
3.80% ▲ 0.88% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month CD/IRA
$0
3.75% ▲ 0.83% above Missouri avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Sep 11, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 11, 2026: 3.65% APYOct 7, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.65%
  • Sep 11, 20263.65%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates - 5 Year
$0
3.75% ▲ 0.83% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.83% above avgNationally 2.90%
Details

Regular minimum balance: $500.00; IRA minimum balance: $500.00

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Premium Certificate of Deposit
$0
3.70% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.78% above avgNationally 2.90%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66% ▲ 0.74% above Missouri avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.74% above avgNationally 2.90%
Details

$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$100,000
3.65% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.73% above avgNationally 2.90%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
60-Month CD
$0
3.60% ▲ 0.68% above Missouri avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$50,000
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
60 Month Jumbo Certificate
$0
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 60-Month CD
$0
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

All rates disclosed as an Annual Percentage Yield (APY). Account is subject to a penalty for early withdrawal. Fees could reduce earnings. Please refer to the Truth-in-Savings disclosure for complete details.

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Preferred Certificates of Deposit (CD)
$0
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
60 Month CD
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Build a Certificate of Deposit
$0
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Certificates of Deposit require a minimum deposit of $1,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
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 October 13, 2026

B Top 5 Bank Rates
Edward Jones Trust Company
5 Year FDIC-Insured Certificate of Deposit
A+ 5.0 ★ TX: 0.00%
Min: $0
5.20%
Bank of Franklin County
18 Month YOUTH Fair CD Special
A+ 5.0 ★ TX: 3.97%
Min: $0
4.90%
Lindell Bank & Trust Company
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 1.91%
Min: $1,000
4.52%
Community Bank of Marshall
18 MONTHS IRA
A+ 5.0 ★ TX: 5.27%
Min: $500
4.50%
Bank of Washington
60 Month CD or IRA CD
D 3.5 ★ TX: 33.34%
Min: $500
4.45%
CU Top 5 Credit Union Rates
Century Credit Union
6 Month Teen CD
A+ 5.0 ★ TX: 1.27%
Min: $1,000
10.00%
Southeast Missouri Community Credit Union
12 month Youth CD
A+ 5.0 ★ TX: 1.03%
Min: $100
6.14%
De Soto Mo Pac Credit Union
1 Year Certificate of Deposit
A 5.0 ★ TX: 8.77%
Min: $5,000
5.09%
National Police Federal Credit Union
36-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
5.02%
Members 1st Credit Union Saint Louis, MO
12 Month 75th Anniversary Certificates of Deposit
A+ 5.0 ★ TX: 1.59%
Min: $7,500
4.84%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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
3.112%
▲ 0.015 vs 7 days ago

Missouri 12-month CD rates rose 0.015 points over the past 7 days to 3.112% APY.

6-Month CD MO Avg
2.914%
▲ 0.042 vs 7 days ago

Missouri 6-month CD rates rose 0.042 points over the past 7 days to 2.914% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MO CD Rate Forecast, Next 12 Months

Where are Missouri CD rates headed through October 2027?

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

MO 12-Month Avg APY
3.112%
6-Month Forecast
3.112%
Range: 2.91%, 3.26%
12-Month Forecast
3.362%
Range: 3.16%, 3.51%

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

Spread model: The Missouri 12-month CD average currently trades 1.26% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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 1.945% $97.26 $194.51 $486.28 $972.55
6-Month CD 2.914% $145.69 $291.38 $728.45 $1,456.90
12-Month CD 3.112% $155.58 $311.15 $777.88 $1,555.75
18-Month CD 2.947% $147.35 $294.70 $736.75 $1,473.50
24-Month CD 3.029% $151.43 $302.86 $757.15 $1,514.30
36-Month CD 2.769% $138.45 $276.90 $692.25 $1,384.50
48-Month CD 2.817% $140.87 $281.74 $704.35 $1,408.70
60-Month CD 2.919% $145.96 $291.92 $729.80 $1,459.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

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 1.945% $97.26
2 6-Month CD $5,000 2.914% $145.69
3 12-Month CD $5,000 3.112% $155.58
4 24-Month CD $5,000 3.029% $151.43
5 36-Month CD $5,000 2.769% $138.45
Total ($25,000 invested) $25,000 2.754% blended $688.41/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.

Powered byMonitorBankRates
1,359
CD Rates
Tracked in Missouri
81 Banks 55 Credit Unions

About Our Missouri CD Rate Database

MonitorBankRates tracks 1,359 CD rates from 81 banks and 55 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Century Credit Union offers a CD at 10.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in 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 55 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in 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: 136 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Missouri savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Missouri money market rates

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
$133/yr
At MO 12-mo avg 3.112% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.112%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $133 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Missouri

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Missouri typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Missouri as everywhere in the U.S.

Choosing a CD Term in Missouri

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Missouri savers easier access to their funds. For example, Century Credit Union is offering its 6 Month Teen CD at 10.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Missouri Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Missouri saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Missouri

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Missouri CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Missouri

Most CDs carry a fixed rate that is locked for the entire term, protecting a Missouri depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in 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:
  • Century Credit Union: 10.00% APY (6 Month Teen CD)
  • Southeast Missouri Community Credit Union: 6.14% APY (12 month Youth CD)
  • Edward Jones Trust Company: 5.20% APY (5 Year FDIC-Insured Certificate of Deposit)
  • De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
  • National Police Federal Credit Union: 5.02% APY (36-Month IRA)
  • Bank of Franklin County: 4.90% APY (18 Month YOUTH Fair CD Special)
  • Members 1st Credit Union Saint Louis, MO: 4.84% APY (12 Month 75th Anniversary Certificates of Deposit)
  • Service 1 Federal Credit Union: 4.75% APY (6 Month Youth Certificates)
  • MECE Credit Union: 4.70% APY (60 Months Jumbo IRA)
  • Lindell Bank & Trust Company: 4.52% APY (18 Month Certificate of Deposit)
Rates reflect recent verified offers available in Missouri. Last Updated: October 13, 2026

Missouri CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Missouri CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Missouri. Averages shown use the Missouri state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Missouri

Missouri CD Calculator

At today’s MO top rate of 10.00% APY, a $10,000 deposit earns $1,000 in the first year. Enter your amount to see your exact return.

Missouri CD Ladder

MO CD rates currently range from 1.945% (3-month) to 2.769% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Missouri CD at 10.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Missouri’s average 12-month CD is 3.112% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Missouri CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

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

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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