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Graham, Missouri Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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.
Current Graham, Missouri CD rates include Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.30%Real return: +7.20%APY minus CPI (February 2026) offering 6 Month Teen CD at 10.00% APY, De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit UnionA+5.0 ★Texas Ratio: 5.23%Real return: +2.29%APY minus CPI (February 2026) offering 1 year Certificate of Deposit at 5.09% APY, Bank of Franklin CountyBank of Franklin CountyA+5.0 ★Texas Ratio: 3.97%Real return: +2.10%APY minus CPI (February 2026) offering 18 Month YOUTH Fair CD Special at 4.90% APY, Edward Jones Trust CompanyEdward Jones Trust CompanyA+5.0 ★Texas Ratio: 0.00%Real return: +2.10%APY minus CPI (February 2026) offering 5 Year FDIC - Insured Certificates of Deposit at 4.90% APY, and MECE Credit UnionMECE Credit UnionA+5.0 ★Texas Ratio: 0.37%Real return: +1.85%APY minus CPI (February 2026) offering 48 Month IRA & HSA Certificates at 4.65% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Graham is a smaller community with no bank or credit union branches currently in our database. 787 institutions serving the Missouri area are available to Graham residents, with CD rates as high as 10.00% APY from Century Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Graham, Missouri & the Surrounding Area
Graham 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month FDIC - Insured Certificates of Deposit
$0
4.10%
▲ 2.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.04% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3-Month Certificate
$0
4.05%
▲ 1.99% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.99% above avg
Details
Compounding: At maturity. Availability: Open Online
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Basic CDs
$0
4.01%
▲ 1.95% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.95% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3-Month CD
$500
3.90%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.84% above avg
Details
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.79% above avg
Details
Interest paid at term or maturity of CD
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Certificate
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.69% above avg
Details
Minimum balance required to earn dividend
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 3 Month
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.66% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
90 Day CD Special
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.59% above avg
Details
Preferred Rate with any checking account; 3.75%
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day CD
$1,000
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.59% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month IRA & HSA Certificates
$500
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.50% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 3 Months
$500
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.50% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3 Month Certificates of Deposit
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.49% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
3 Month Certificate
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.49% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Certificate
$500
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.49% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Months Jumbo Certificate
$10,000
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.49% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
$0
3.51%
▲ 1.45% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.45% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Months IRA
$500
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Months Jumbo IRA
$100,000
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Dividends are paid monthly.
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
3 Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
In Branch
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificates of Deposit
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month CD/IRA
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.19% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3 Month Certificate/IRA
$0
3.19%
▲ 1.13% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.13% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month CDARS CDs
$0
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Funding Limit*: $12M
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Certificate
$0
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.97% above avg
Details
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
3.02%
▲ 0.96% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.96% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 Day Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 90 Day Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $1,000 or more
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
3 Month Certificates of Deposit (CDs)
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
3 Month Share Certificate
$0
2.95%
▲ 0.89% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.89% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$0
2.90%
▲ 0.84% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.84% above avg
Details
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.88%
▲ 0.82% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.82% above avg
Details
Balance: $100,000.00+
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.83%
▲ 0.77% above national avg
▼
Rate2.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.77% above avg
Details
Balance: $50,000.00 - $99,999.99
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
3 Month Certificate of Deposit
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.72% above avg
Details
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.72% above avg
Details
Balance: $1,000.00 - $49,999.99
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
3 Month CD
$500
2.69%
▲ 0.63% above national avg
▼
Rate2.66%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.63% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month IRA Certificate
$1,000
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.46% above avg
Details
Maturity
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Months CD
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Business CDs
$0
2.45%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.39% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Business CDARS CDs
$0
2.20%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.14% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Certificate
$1,000
2.15%
▲ 0.09% above national avg
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.09% above avg
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 Month Certificate
$1,000
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Month Certificate
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.04% below avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Certificate of Deposit
$5,000
2.02%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.04% below avg
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3 Month CD
$0
2.02%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.04% below avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month Certificates of Deposit
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.06% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Graham 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6 Month Teen CD
$1,000
10.00%
▲ 7.23% above national avg
▼
Rate9.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 7.23% above avg
Details
max $1,000
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
6 Month Certificate of Deposit
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
New Money: Funds already held on deposit at First Bank of the Lake cannot be used to open this account. The entirety of your deposit to open the account must be sourced from funds not already held at First Bank of the Lake ("New Money").
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month FDIC - Insured Certificates of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.43% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 Month Certificate
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.43% above avg
Details
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
3 or 6 Month CD
$1,000
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.33% above avg
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.
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
6 Month Certificate
$1,000
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 Month Certificate/IRA
$0
4.03%
▲ 1.26% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.26% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
6 Month Certificates of Deposit
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 6 Months
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Minimum balance required to earn dividend
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA Term Share Accounts (Traditional & Roth - 6 Months
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
$500+
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month Short Term and IRA Short Term Certificates
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Month IRA & HSA Certificates
$500
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.20% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 6 Months
$500
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.20% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Month Certificate
$500
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.19% above avg
Details
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
6 Month CD or IRA CD
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.18% above avg
Details
Interest paid quarterly
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
6-Month CD
$500
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Months IRA
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Months Jumbo IRA
$100,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
Dividends are paid monthly.
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
6 Month CD
$1,000
3.89%
▲ 1.12% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.12% above avg
Details
NBKC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6 Month Personal CD
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificates of Deposit
$2,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Business In-House Specials - Certificates of Deposit
$5,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month In-House Specials - Certificates of Deposit
$5,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6 Month Basic CDs
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.02% above avg
Details
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Certificate
$1,000
3.77%
▲ 1.00% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.00% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Premier Term Share Accounts - 6 Months
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
$100,000 - $250,000
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Share Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 6 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Missouri Baptist Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 5.61%
6 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates subject to change without notice. A penalty will or may be imposed for early withdrawal.
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month Certificate Special
$0
3.73%
▲ 0.96% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.96% above avg
Details
PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate
$1,000
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.94% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6 Month Share Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $25,000 +
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
6 Month Business CDs
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificates of Deposit (CDs)
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $75,000+
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6 Month Share Certificate
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.89% above avg
Details
Balance: $10,000 - $24,999
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money; Open now; Open in branch
Graham 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
De Soto Mo Pac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1 year Certificate of Deposit
$5,000
5.09%
▲ 2.14% above national avg
▼
Rate5.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 2.14% above avg
Details
$100,000.00 maximum for each certificate 90 penalty for early withdrawal, 10 day grace period at end of contract Dividends are paid quarterly and deposited to certificate.
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year FDIC - Insured Certificates of Deposit
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.35% above avg
Details
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
12 Month Certificate of Deposit
$0
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.30% above avg
Details
New Money: Funds already held on deposit at First Bank of the Lake cannot be used to open this account. The entirety of your deposit to open the account must be sourced from funds not already held at First Bank of the Lake ("New Money").
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month IRA & HSA Certificates
$500
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.23% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 12 Months
$500
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.23% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$500
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.21% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 Month Certificate/IRA
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
12 Month CD
$1,000
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.15% above avg
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.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Youth 12 Month Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Months IRA
$500
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Months Jumbo IRA
$100,000
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
Dividends are paid monthly.
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 MONTHS IRA
$500
4.09%
▲ 1.14% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.14% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1 Year CD
$1,000
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.11% above avg
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1 Year IRA
$250
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.11% above avg
Details
IRA
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
12 Month Certificate
$1,000
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
12 Month CD or IRA CD
$500
4.05%
▲ 1.10% above national avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.10% above avg
Details
Interest paid quarterly
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month Jumbo CD
$50,000
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Kansas City Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.78%
12 Month Share Certificates of Deposit (CDs)
$500
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Certificate dividends are paid at maturity.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month IRA Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $75,000+
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 12 Months
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month Jumbo CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month IRA Certificate
$1,000
3.94%
▲ 0.99% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.99% above avg
Details
Semi-Annually
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Share Certificates
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details
HomePride Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Individual Retirement Account (IRA) 12-month
$500
3.91%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.96% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Share Certificate
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details
Balance: $25,000 +
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12-Month IRA
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details
Balance: $25,000 +
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1 Year Share Certificate
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Rates shown include all available bonuses.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Certificate
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Youth Saver 12-Month CD (ages 0-19)
$250
3.90%
▲ 0.95% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Age: 0-19
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Preferred Certificates of Deposit (CD)
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $25,000.00-$74,999.99
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Share Certificate
$0
3.86%
▲ 0.91% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.91% above avg
Details
Balance: $10,000 - $24,999
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12-Month IRA
$0
3.86%
▲ 0.91% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.91% above avg
Details
Balance: $10,000 - $24,999
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month CD
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.90% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
12 Month Fixed
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% above avg
Details
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month CD
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.87% above avg
Details
Term: 12 months to 23 months
Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
12 Month Certificate
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
12 Month Build A Certificate of Deposit
$0
3.81%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.86% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
12 Month Certificate of Deposit
$1,000
3.81%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.86% above avg
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Share Certificate
$0
3.81%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.86% above avg
Details
Balance: $0 - $9,999
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12-Month IRA
$0
3.81%
▲ 0.86% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.86% above avg
Details
Balance: $0 - $9,999
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
12 Month Certificates of Deposit
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Substantial penalty for early withdrawal
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1 Year Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
12 Month Certificates of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
12-Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Graham 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90%
▲ 2.08% above national avg
▼
Rate4.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 2.08% above avg
Details
See Fair Special options; Preferred Rate with any checking account; 5.00%
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 MONTHS IRA
$500
4.50%
▲ 1.68% above national avg
▼
Rate4.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.68% above avg
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month FDIC - Insured Certificates of Deposit
$0
4.45%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.63% above avg
Details
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month IRA Certificate
$1,000
4.35%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.53% above avg
Details
Semi-Annually
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Month IRA & HSA Certificates
$100,000
4.33%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.51% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.33%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.51% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18-Month Certificate
$0
4.31%
▲ 1.49% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.49% above avg
Details
Compounding: Quarterly. Availability: Open Online
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Months Jumbo IRA
$100,000
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.43% above avg
Details
Dividends are paid monthly.
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
18 Month CD
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.38% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Month IRA & HSA Certificates
$500
4.18%
▲ 1.36% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.36% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 18 Months
$500
4.18%
▲ 1.36% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.36% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Month Certificate
$500
4.16%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.34% above avg
Details
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
18 Month CD or IRA CD
$500
4.15%
▲ 1.33% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details
Interest paid quarterly
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificates of Deposit
$1,000
4.15%
▲ 1.33% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Months IRA
$500
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.28% above avg
Details
Dividends are paid monthly.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
18 Month Certificates of Deposit
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Balance: $75,000+
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Certificate
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.13% above avg
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 18 Months
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.03% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Business In-House Specials - Certificates of Deposit
$5,000
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.03% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month In-House Specials - Certificates of Deposit
$5,000
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.03% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
18 Month CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.03% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
18 Month Certificate of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
3.79%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
Variable Rate
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 18 Month
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.93% above avg
Details
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Month CD Special
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
Limited Time Only
CNB St Louis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
18 Months SPECIAL
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
18-Month CD
$500
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.88% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.88% above avg
Details
Balance: $25,000.00-$74,999.99
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
18 Month Fixed
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.85% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 month ADVANTAGE CD/IRA
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.84% above avg
Details
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
18 Month Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1.5 Year Share Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Rates shown include all available bonuses.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $500.00-$24,999.99
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
18 Month CD/IRA
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.73% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
18 Month Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
$500.00
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month IRA Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
18 Month Variable
$0
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.69% above avg
Details
Variable rate
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
18 Month Term Share Certificate
$0
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.69% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18 Month Certificate/IRA
$0
3.51%
▲ 0.69% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.69% above avg
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Special Certificates of Deposit
$10,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.68% above avg
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
18 Month Certificate of Deposit
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.68% above avg
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Share Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Graham 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year FDIC - Insured Certificates of Deposit
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.66% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Month IRA & HSA Certificates
$100,000
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.55% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 24 Months Jumbo IRA
$100,000
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.55% above avg
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Months Jumbo IRA
$100,000
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.46% above avg
Details
Dividends are paid monthly.
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
24 Month CD or IRA CD
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.41% above avg
Details
Interest paid quarterly
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.41% above avg
Details
Early Withdrawal Penalties Apply
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Month IRA & HSA Certificates
$500
4.23%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.39% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 24 Months
$500
4.23%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.39% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Month Certificate
$500
4.22%
▲ 1.38% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.38% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $75,000+
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
24 Month OASIS SPECIALS CERTIFICATES OF DEPOSIT
$1,000
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.32% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Months IRA
$500
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.31% above avg
Details
Dividends are paid monthly.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.27% above avg
Details
Balance: $25,000.00-$74,999.99
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
IRA Term Share Accounts (Traditional & Roth - 24 Months
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
$500+
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Business In-House Specials - Certificates of Deposit
$5,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month In-House Specials - Certificates of Deposit
$5,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
Regent Bank (OK)
Institution Rating:
C+4.2 ★Texas Ratio: 25.22%
24 Month Certificate
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
24-Month CD
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.17% above avg
Details
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Certificate Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.16% above avg
Details
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Premier Term Share Accounts - 24 Months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
$100,000 - $250,000
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Certificates of Deposit (CD)
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500.00-$24,999.99
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24 Month Certificate
$0
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.13% above avg
Details
4.07%
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.12% above avg
Details
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA - 2 Year
$1,000
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.07% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
24 Month CD
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.07% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 Month Business Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 Month Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24-Month CD
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month CD
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Term: 24 months to 35 months
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 24 Months
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
24 Month Certificate of Deposit
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Term: 24 Months (No penalty for early withdrawal)
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Month Jumbo CD
$50,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 24 Month (Fixed rate)
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.96% above avg
Details
Compounded: Quarterly
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month CD
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.92% above avg
Details
Term: 24 months to 35 months
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Month Jumbo CD
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 2 Year
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
24 month ADVANTAGE CD/IRA
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.87% above avg
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificates of Deposit
$1,000
3.67%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.83% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Graham 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year FDIC - Insured Certificates of Deposit
$0
4.75%
▲ 1.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.99% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Month IRA & HSA Certificates
$100,000
4.39%
▲ 1.63% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.63% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.39%
▲ 1.63% above national avg
▼
Rate4.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.63% above avg
Details
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
36 Month CD or IRA CD
$500
4.35%
▲ 1.59% above national avg
▼
Rate4.28%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.59% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Months Jumbo IRA
$100,000
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.54% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Month IRA & HSA Certificates
$500
4.23%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.47% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 36 Months
$500
4.23%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.47% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Month Certificate
$500
4.22%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.46% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details
Balance: $75,000+
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36-Month CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.39% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Months IRA
$500
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details
Dividends are paid monthly.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.37% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.35% above avg
Details
Balance: $25,000.00-$74,999.99
United Bank of Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
36 Month Certificate Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Certificates of Deposit (CD)
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $500.00-$24,999.99
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month CD
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.21% above avg
Details
Term: 36 months to 47 months
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36 Month CD
$0
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.20% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month Jumbo CD
$50,000
3.91%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.15% above avg
Details
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month CD
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.11% above avg
Details
Term: 36 months to 47 months
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month Jumbo CD
$1,000
3.85%
▲ 1.09% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 month ADVANTAGE CD/IRA
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.00% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificates of Deposit
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 36 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 3 Year
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month CD
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Month Certificate/IRA
$0
3.63%
▲ 0.87% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.87% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 36 Month Certificate of Deposit
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: $100,000.00 +
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
36 Month Certicicate of Deposit
$50,000
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
$50,000 +; Interest compounded semi-annually.
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$1,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.80% above avg
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 36 Months
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 36 Month Certificate of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $50,000.00 - $99,999.99
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
36 Month Certificate of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
3 Year Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
$500.00
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3-Year CD
$500
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 month CD/IRA
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.75% above avg
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Term Share Certificate
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Year Basic CDs
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Month Certificate of Deposit
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 36 Month Certificate of Deposit
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $25,000.00 - $49,999.99
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3 Year Share Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Rates shown include all available bonuses.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
36 Month Build A Certificate of Deposit
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
36 Month Certicicate of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Graham 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year FDIC - Insured Certificates of Deposit
$0
4.80%
▲ 2.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 2.03% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
48 Month IRA & HSA Certificates
$100,000
4.65%
▲ 1.88% above national avg
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.88% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
4.65%
▲ 1.88% above national avg
▼
Rate4.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.88% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
48 Months Jumbo IRA
$100,000
4.55%
▲ 1.78% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.78% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
48 Month IRA & HSA Certificates
$500
4.49%
▲ 1.72% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.72% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 48 Months
$500
4.49%
▲ 1.72% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.72% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
48 Month Certificate
$500
4.47%
▲ 1.70% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.70% above avg
Details
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
48 Month CD or IRA CD
$500
4.40%
▲ 1.63% above national avg
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.63% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
48 Months IRA
$500
4.40%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.63% above avg
Details
Dividends are paid monthly.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.55% above avg
Details
Term: 48 Month Dream Fund CD
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
48 Month Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Early Withdrawal Penalties Apply
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 Month Business Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 Month Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48-Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month CD
$0
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.30% above avg
Details
Term: 48 months to 59 months
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo Bump Up CD
$50,000
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
Term: 48 Month Jumbo Bump Up CD
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo Bump Up CD
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.23% above avg
Details
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month CD
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.20% above avg
Details
Term: 48 months to 59 months
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo CD
$50,000
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.19% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48 Month CD
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.19% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo CD
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Premium Certificates of Deposit (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
Balance: $75,000+
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month ADVANTAGE CD/IRA
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.08% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month CD
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Bump Up CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 4 Year
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Bump Up CD
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $25,000.00-$74,999.99
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
48 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.61%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Month Certificate/IRA
$0
3.64%
▲ 0.87% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.87% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month CD/IRA
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48-Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 48 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $100,000.00 +
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Minor Certificate-Minimum Deposit
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
$500.00
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $500.00-$24,999.99
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
48 Month Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 48 Month Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $50,000.00 - $99,999.99
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
48 Month Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Minor Certificate-Minimum Deposit
$50,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Jumbo 48 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Graham 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year FDIC - Insured Certificates of Deposit
$0
4.90%
▲ 2.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 2.06% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
60 Month IRA & HSA Certificates
$100,000
4.54%
▲ 1.70% above national avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.70% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.54%
▲ 1.70% above national avg
▼
Rate4.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.70% above avg
Details
First Bank of the Lake
Institution Rating:
F2.3 ★Texas Ratio: 47.32%
3 - 60 Month Certificate of Deposit
$1,000
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.66% above avg
Details
No business or institutional funds allowed. For deposits exceeding $250,000 we have programs available for you. Maximum deposit is $500,000 per account. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
60 Month CD or IRA CD
$500
4.45%
▲ 1.61% above national avg
▼
Rate4.38%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.61% above avg
Details
Interest paid quarterly
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
60 Months Jumbo IRA
$100,000
4.45%
▲ 1.61% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.61% above avg
Details
Dividends are paid monthly.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
60 Month IRA & HSA Certificates
$500
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.55% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA & HSA Certificates - 60 Months
$500
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.55% above avg
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
60 Month Certificate
$500
4.37%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.53% above avg
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.50% above avg
Details
4.45%
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
60 Months Special CD
$1,000
4.30%
▲ 1.46% above national avg
▼
Rate4.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.46% above avg
Details
Available as IRA in Branch:
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
60 Months IRA
$500
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.46% above avg
Details
Dividends are paid monthly.
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Ministry | Business Term Share Certificate
$100,000
4.20%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details
$100,000; APY = Annual Percentage Yield. APYs are accurate as of 09/22/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month CD
$0
4.18%
▲ 1.34% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Ministry | Business Term Share Certificate
$50,000
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.31% above avg
Details
$50,000; APY = Annual Percentage Yield. APYs are accurate as of 09/22/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Ministry | Business Term Share Certificate
$10,000
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details
$10,000; APY = Annual Percentage Yield. APYs are accurate as of 09/22/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
Putnam County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month CD
$0
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Jumbo CD
$50,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.22% above avg
Details
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Ministry | Business Term Share Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
$1,000; APY = Annual Percentage Yield. APYs are accurate as of 09/22/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Jumbo CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.16% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$1,000
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.12% above avg
Details
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60 Month CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.12% above avg
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month ADVANTAGE CD/IRA
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.07% above avg
Details
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.06% above avg
Details
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
60 Month Certificate of Deposit
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD - Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 60 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Share Certificates 5 Year
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month Certificate
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $75,000+
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
60 Month Certificate of Deposit
$50,000
3.66%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.82% above avg
Details
$50,000 +; Interest compounded semi-annually.
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month CD/IRA
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Minor Certificate-Minimum Deposit
$100,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
$500.00
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60-Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
60 Month Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 60 Month Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $100,000.00 +
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Minor Certificate-Minimum Deposit
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
60 Month Jumbo Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Jumbo 60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Preferred Certificates of Deposit (CD)
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $25,000.00-$74,999.99
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificates of Deposit
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Business 60 Month Certificate of Deposit
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $50,000.00 - $99,999.99
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
60 Month Build a Certificate of Deposit
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
60 Month Certificate of Deposit
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $1,000 or more
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Graham, MO CD Rate Trends
Compare local Graham, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MO Avg
2.952%
▲ 0.030 vs 7 days ago
Missouri 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD MO Avg
2.767%
▲ 0.021 vs 7 days ago
Missouri 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
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MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Graham, Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
1,280
CD Rates
Tracked in Graham, Missouri
Tracked in Graham, Missouri
79 Banks
49 Credit Unions
About Our Graham, Missouri CD Rate Database
MonitorBankRates tracks 1,280 CD rates from 79 banks and 49 credit unions with locations in Graham, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: 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 Graham, Missouri.
How to Find the Best CD Rates in Graham, Missouri
What to compare when shopping for a CD in Graham, Missouri
To find the best APYs in Graham, Missouri, start with credit unions and online-only banks: Graham, Missouri has 49 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 Graham, 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 Graham, Missouri: 128 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Graham, 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 Graham, Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$126/yr
At MO 12-mo avg 2.952% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.952%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $126 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 Graham, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Graham, 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 Graham, 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 Graham, Missouri as everywhere in the U.S.
Choosing a CD Term in Graham, 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 Graham, 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 Certificates of Deposit at 4.90% 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 Graham, 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 Graham, 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 Graham, 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 Graham, 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 Graham, Missouri
Most CDs carry a fixed rate that is locked for the entire term, protecting a Graham, 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 Graham, Missouri
Are CD rates in Graham, Missouri FDIC insured?
Yes, most established banks in Graham, 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 Graham, 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 Graham, 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 Graham, 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 Graham, Missouri?
Here are recent top rates found for this area:
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- De Soto Mo Pac Credit Union: 5.09% APY (1 year Certificate of Deposit)
- Bank of Franklin County: 4.90% APY (18 Month YOUTH Fair CD Special)
- Edward Jones Trust Company: 4.90% APY (5 Year FDIC - Insured Certificates of Deposit)
- MECE Credit Union: 4.65% APY (48 Month IRA & HSA Certificates)
- First Bank of the Lake: 4.50% APY (3 - 60 Month Certificate of Deposit)
- Community Bank of Marshall: 4.50% APY (18 MONTHS IRA)
- Bank of Washington: 4.45% APY (60 Month CD or IRA CD)
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Regional Missouri Bank: 4.32% APY (48 Month Dream Fund CD)
Rates reflect recent verified offers available in Graham, Missouri. Last Updated: September 22, 2026
Graham, 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 Graham, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Graham, Missouri
Graham, 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.
Graham, Missouri CD LadderMO CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Graham, Missouri CD at 10.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.952% 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 Graham, 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 Graham, 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 Graham, 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: September 22, 2026
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