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CD Rate Trends

Independence, Missouri Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Independence, Missouri CD rates range from 0.05% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Independence, Missouri CD rates include United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO 64055A5.0 ★Texas Ratio: 6.33%Real return: +1.40%APY minus CPI (February 2026) offering 24 Month Premium Certificate of Deposit at 4.20% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City3500 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 3.50%Real return: +1.35%APY minus CPI (February 2026) offering 36-Month CD at 4.15% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union3100 S State Route 291, Independence, MO 64057 2653Real return: +1.30%APY minus CPI (February 2026) offering 24 Month IRA Certificate at 4.10% APY, City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO 64057 1226A5.0 ★Texas Ratio: 8.51%Real return: +1.15%APY minus CPI (February 2026) offering 6-Month CD at 3.95% APY, and Public Safety Credit UnionPublic Safety Credit Union20130 E Valley View Pkwy, Independence, MO 64057 1590A+5.0 ★Texas Ratio: 2.02%Real return: +1.10%APY minus CPI (February 2026) offering 1 Year Share Certificate at 3.90% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Independence has 155 local institutions in our database, with CD rates as high as 4.20% APY from United Consumers Credit Union at 1111 E 23rd St S, Independence, MO 64055. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.

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

Compare Best CD Rates in Independence, Missouri & the Surrounding Area

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Independence 3 Month CD Rates

Missouri 3 Month CD Average1.94% APYNational 2.09%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
3-Month CD
$500
3.90% ▲ 1.96% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18909 E 48th St S, Independence, MO 64055
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.91% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
3 Month IRA Certificate
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
3 Month Share Certificates
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
3 Month Business Certificate
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
3 Month IRA Certificate
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
3 Month Share Certificate
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
3-Month CD
$0
1.50% ▼ 0.44% below Missouri avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▼ 0.44% below avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 11, 2026: 1.50% APYSep 11, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
3 Month IRA Certificates
$0
0.05% ▼ 1.89% below Missouri avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▼ 1.89% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
3 Month Standard CD
$0
0.05% ▼ 1.89% below Missouri avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▼ 1.89% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month FDIC-Insured Certificate of Deposit
$0
4.15% ▲ 2.21% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 2.21% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 24, 2026: 4.10% APYSep 27, 2026: 4.20% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.15%▼ from 4.20%
  • Sep 27, 20264.20%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08% ▲ 2.14% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.14% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 Month
$0
4.06% ▲ 2.12% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.12% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 14, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3 Month Certificate
$0
4.05% ▲ 2.11% above Missouri avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 2.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo IRA
$100,000
4.02% ▲ 2.08% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 2.08% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.02% ▲ 0.52 pts · high 4.02% / low 3.50%
2.98%3.76%4.54%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.56% APYOct 10, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.02%▲ from 3.56%
  • Sep 27, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months Jumbo IRA
$100,000
4.02% ▲ 2.08% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 10, 2026: 4.02% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo+ Certificate
$100,000
4.01% ▲ 2.07% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 2.07% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.01%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.06% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 2.06% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo Certificate
$10,000
3.96% ▲ 2.02% above Missouri avg
View
▼
Rate3.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 2.02% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.96% ▲ 0.41 pts · high 3.96% / low 3.55%
3.05%3.76%4.46%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.96%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.87% ▲ 1.93% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.93% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.87% ▲ 0.32 pts · high 3.87% / low 3.55%
3.05%3.71%4.37%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.87%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months
$500
3.87% ▲ 1.93% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.93% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85% ▲ 1.91% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details

Interest paid at term or maturity of CD

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.85% ▲ 1.91% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate
$0
3.75% ▲ 1.81% above Missouri avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 3 Month
$0
3.75% ▲ 1.81% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
90 Day CD Special
$0
3.65% ▲ 1.71% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 14, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day CD
$1,000
3.65% ▲ 1.71% above Missouri avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
$0
3.61% ▲ 1.67% above Missouri avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.67% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 11, 2026: 3.51% APYOct 7, 2026: 3.61% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20263.61%▲ from 3.51%
  • Sep 11, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.66% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3 Month Certificates of Deposit
$0
3.55% ▲ 1.61% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 14, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
3 Month IRA CD
$0
3.55% ▲ 1.61% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.46% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month CD
$1,000
3.40% ▲ 1.46% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details

APY* (In Branch)

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 14, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month CD/IRA
$0
3.35% ▲ 1.41% above Missouri avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.41% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 11, 2026: 3.25% APYOct 7, 2026: 3.35% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20263.35%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month CD
$0
3.25% ▲ 1.31% above Missouri avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.31% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 3 Months
$500
3.19% ▲ 1.25% above Missouri avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.25% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 14, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 3 Month
$0
3.03% ▲ 1.09% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.09% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
3.02% ▲ 1.08% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 Day Certificate
$1,000
3.00% ▲ 1.06% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 90 Day Certificate
$1,000
3.00% ▲ 1.06% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
3 Month Certificate
$0
3.00% ▲ 1.06% above Missouri avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 14, 2026
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3 Month Share Certificate
$0
2.95% ▲ 1.01% above Missouri avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average1.94%▲ 1.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90% ▲ 0.96% above Missouri avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.88% ▲ 0.94% above Missouri avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.94% above avgNationally 2.09%
Details

Balance: $100,000.00+

Rate History
No change since Oct 8, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 8, 2026: 2.88% APYOct 8, 2026Oct 14, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.83% ▲ 0.89% above Missouri avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.89% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 8, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 8, 2026: 2.83% APYOct 8, 2026Oct 14, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
3 Month CD
$0
2.78% ▲ 0.84% above Missouri avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 0.84% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 7, 2026: 2.78% APYSep 7, 2026Oct 14, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.78% ▲ 0.84% above Missouri avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.84% above avgNationally 2.09%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 8, 2026: 2.78% APYOct 8, 2026Oct 14, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3 Month CD
$500
2.69% ▲ 0.75% above Missouri avg
View
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 0.75% above avgNationally 2.09%
Details

Compounding: at maturity

Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 6 times
2.19%2.69%3.19%Sep 18, 2026: 2.69% APYSep 18, 2026Oct 14, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3 Months CD
$1,000
2.60% ▲ 0.66% above Missouri avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.94%▲ 0.66% above avgNationally 2.09%
Details

CD Only*

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 18, 2026: 2.50% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.60%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month IRA Certificate
$1,000
2.52% ▲ 0.58% above Missouri avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 0.58% above avgNationally 2.09%
Details

Compounded Maturity

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 14, 2026

Independence 6 Month CD Rates

Missouri 6 Month CD Average2.91% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
6-Month CD
$500
3.95% ▲ 1.04% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.04% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
6 Month Certificate Accounts
$0
3.80% ▲ 0.89% above Missouri avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
6 Month Certificate Accounts
$0
3.75% ▲ 0.84% above Missouri avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
6 Month Certificate Accounts
$0
3.70% ▲ 0.79% above Missouri avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.79% above avgNationally 2.77%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
6 Month Premium Certificate of Deposit
$0
3.70% ▲ 0.79% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.79% above avgNationally 2.77%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
6 Month Business Certificate
$0
3.60% ▲ 0.69% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
6 Month IRA Certificate
$0
3.60% ▲ 0.69% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
6 Month Share Certificate
$0
3.60% ▲ 0.69% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
6 Month Preferred Certificates of Deposit (CD)
$0
3.60% ▲ 0.69% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
6 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.60% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 0.60% above avgNationally 2.77%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
6-Month CD
$0
3.50% ▲ 0.59% above Missouri avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
6 Month Share Certificate
$500
3.50% ▲ 0.59% above Missouri avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 6 Month
$1,000
3.49% ▲ 0.58% above Missouri avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.58% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
6 Month IRA Certificate
$0
3.45% ▲ 0.54% above Missouri avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.91%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
6 Month Share Certificates
$0
3.45% ▲ 0.54% above Missouri avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.91%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
6 Month Share Certificate
$0
3.40% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.77%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
6 Month Share Certificate
$0
3.30% ▲ 0.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.39% above avgNationally 2.77%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.30% ▲ 0.00 pts · high 3.30% / low 3.30%
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.30%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
6 Month CD/IRA
$500
1.00% ▼ 1.91% below Missouri avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▼ 1.91% below avgNationally 2.77%
Details

Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
6 Month Certificate
$1,000
0.60% ▼ 2.31% below Missouri avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▼ 2.31% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
6 Month IRA Certificates
$0
0.05% ▼ 2.86% below Missouri avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▼ 2.86% below avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
6 Month Standard CD
$0
0.05% ▼ 2.86% below Missouri avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▼ 2.86% below avgNationally 2.77%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Teen CD
$1,000
10.00% ▲ 7.09% above Missouri avg
View
▼
Rate9.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.77%
Details

max $1,000

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APYSep 14, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.77%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APYOct 6, 2026Oct 14, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.67% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.77%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month FDIC-Insured Certificate of Deposit
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 24, 2026: 4.20% APYOct 3, 2026: 4.25% APYOct 7, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.25%
  • Oct 3, 20264.25%▲ from 4.20%
  • Sep 24, 20264.20%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 6 Month
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24% ▲ 1.33% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.77%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.23% ▲ 0.33 pts · high 4.23% / low 3.90%
3.40%4.07%4.73%Sep 14, 2026: 3.90% APYSep 27, 2026: 3.97% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.23%▲ from 3.97%
  • Sep 27, 20263.97%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 10, 2026: 4.23% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo+ Certificate
$100,000
4.22% ▲ 1.31% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.31% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.22% ▲ 0.32 pts · high 4.22% / low 3.90%
3.40%4.06%4.72%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.22%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$2,000
4.19% ▲ 1.28% above Missouri avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.28% above avgNationally 2.77%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo Certificate
$10,000
4.16% ▲ 1.25% above Missouri avg
View
▼
Rate4.10%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.25% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.16% ▲ 0.26 pts · high 4.16% / low 3.90%
3.40%4.03%4.66%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.16% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.16%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 6 Month
$0
4.14% ▲ 1.23% above Missouri avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.23% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 8, 2026: 4.14% APYOct 8, 2026Oct 14, 2026
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
3 or 6 Month CD
$1,000
4.10% ▲ 1.19% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.19% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 7, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 7, 2026: 3.85% APYSep 19, 2026: 4.10% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.10%▲ from 3.85%
  • Sep 7, 20263.85%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6-Month Special CD
$0
4.09% ▲ 1.18% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Oct 7, 2026: 4.09% APYOct 7, 2026Oct 14, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 14, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
CD Terms - 6 Month
$0
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details

As of 10/01/2026

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.07% ▲ 0.11 pts · high 4.07% / low 3.96%
3.46%4.02%4.57%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$500
4.06% ▲ 1.15% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.15% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.06%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
6 Month Certificate
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.77%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 14, 2026
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 6-Month
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
6 Month Certificates of Deposit
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 6 Months
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded

Independence 12 Month CD Rates

Missouri 12 Month CD Average3.10% APYNational 2.99%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
12 Month Premium Certificate of Deposit
$0
4.00% ▲ 0.90% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
1 Year Share Certificate
$500
3.90% ▲ 0.80% above Missouri avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.80% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
12 Month Preferred Certificates of Deposit (CD)
$0
3.90% ▲ 0.80% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.80% above avgNationally 2.99%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
12-Month CD
$0
3.80% ▲ 0.70% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
1-Year CD
$500
3.80% ▲ 0.70% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
12 Month Certificates of Deposit (CD)
$0
3.80% ▲ 0.70% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.70% above avgNationally 2.99%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
12 Month Business Certificate
$0
3.75% ▲ 0.65% above Missouri avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
12 Month IRA Certificate
$0
3.75% ▲ 0.65% above Missouri avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
12 Month Share Certificate
$0
3.75% ▲ 0.65% above Missouri avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
12 Month Share Certificate
$0
3.65% ▲ 0.55% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.55% above avgNationally 2.99%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.62%4.15%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.65%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
12 Month CD/IRA
$500
3.55% ▲ 0.45% above Missouri avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 20, 2026: 3.55% APYSep 20, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
12 Month Share Certificate
$0
3.50% ▲ 0.40% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.50% ▲ 0.00 pts · high 3.50% / low 3.50%
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYOct 1, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.50%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 12 Month
$1,000
3.44% ▲ 0.34% above Missouri avg
View
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.34% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
12 Month IRA Certificate
$0
3.40% ▲ 0.30% above Missouri avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average3.10%▲ 0.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
12 Month Share Certificates
$0
3.40% ▲ 0.30% above Missouri avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average3.10%▲ 0.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
12 Month Certificate Accounts
$0
3.15% ▲ 0.05% above Missouri avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.05% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
12 Month Certificate Accounts
$0
3.10% At Missouri avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%At the averageNationally 2.99%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
12 Month Certificate Accounts
$0
3.05% ▼ 0.05% below Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▼ 0.05% below avgNationally 2.99%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
12 Month Wealth Builder Certificate
$50
1.26% ▼ 1.84% below Missouri avg
View
▼
Rate1.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▼ 1.84% below avgNationally 2.99%
Details

Requires automated deposits

Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Sep 18, 2026: 1.26% APYSep 18, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
12 Month Youth Velocity Certificate
$300
0.95% ▼ 2.15% below Missouri avg
View
▼
Rate0.95%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.10%▼ 2.15% below avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 0.95% APY
0.45%0.95%1.45%Oct 9, 2026: 0.95% APYOct 9, 2026Oct 14, 2026
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
11400 E 23rd St S, Independence, MO 64052
12 Month Fixed IRA
$100
0.85% ▼ 2.25% below Missouri avg
View
▼
Rate0.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.10%▼ 2.25% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 3 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
12 Month IRA Certificates
$0
0.75% ▼ 2.35% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▼ 2.35% below avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
12 Month Standard CD
$0
0.75% ▼ 2.35% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▼ 2.35% below avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
12 Month Certificate
$1,000
0.70% ▼ 2.40% below Missouri avg
View
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.10%▼ 2.40% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 4 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 14, 2026
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 month Youth CD
$100
6.14% ▲ 3.04% above Missouri avg
View
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 3.04% above avgNationally 2.99%
Details

$1000.00 Maximum

Rate History
No change since Oct 10, 2026 · 6.14% APY
5.64%6.14%6.64%Oct 10, 2026: 6.14% APYOct 10, 2026Oct 14, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
1 Year Certificate of Deposit
$5,000
5.09% ▲ 1.99% above Missouri avg
View
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.99% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 6 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APYSep 14, 2026Oct 14, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month 75th Anniversary Certificates of Deposit
$7,500
4.84% ▲ 1.74% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.74% above avgNationally 2.99%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 10, 2026: 4.84% APYOct 10, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.50% above Missouri avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.50% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year FDIC-Insured Certificate of Deposit
$0
4.55% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.45% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
3.85%4.45%5.05%Sep 24, 2026: 4.35% APYSep 27, 2026: 4.37% APYOct 3, 2026: 4.50% APYOct 7, 2026: 4.55% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20264.55%▲ from 4.50%
  • Oct 3, 20264.50%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50% ▲ 1.40% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 12 months
$0
4.50% ▲ 1.40% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.40% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 14, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 12 Month
$0
4.40% ▲ 1.30% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.30% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - Youth 12 Month
$0
4.40% ▲ 1.30% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39% ▲ 1.29% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo IRA
$100,000
4.39% ▲ 1.29% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.39% ▲ 0.29 pts · high 4.39% / low 4.10%
3.60%4.24%4.89%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.18% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.39%▲ from 4.18%
  • Sep 27, 20264.18%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months Jumbo IRA
$100,000
4.39% ▲ 1.29% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.39% APY
3.89%4.39%4.89%Oct 10, 2026: 4.39% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.27% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.27% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.37% ▲ 0.27 pts · high 4.37% / low 4.10%
3.60%4.23%4.87%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.37%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.25% above Missouri avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.25% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.10%▲ 1.25% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo Certificate
$10,000
4.32% ▲ 1.22% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.22% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.32% ▲ 0.22 pts · high 4.32% / low 4.10%
3.60%4.21%4.82%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.32%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.25% ▲ 1.15% above Missouri avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.25%▼ from 4.60%
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 12 Months
$500
4.25% ▲ 1.15% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.18% APYOct 13, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.18%
  • Oct 1, 20264.18%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 1-Year
$1,000
4.25% ▲ 1.15% above Missouri avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 24, 2026: 4.05% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
4.23% ▲ 1.13% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months
$500
4.23% ▲ 1.13% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
4.22% ▲ 1.12% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.10%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12-Month Certificate of Deposit
$500
4.20% ▲ 1.10% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.10%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 1 year
$0
4.20% ▲ 1.10% above Missouri avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
4.19% ▲ 1.09% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 14, 2026
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12-Month Special CD
$0
4.15% ▲ 1.05% above Missouri avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.10%▲ 1.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026

Independence 18 Month CD Rates

Missouri 18 Month CD Average2.95% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Premium Certificate of Deposit
$0
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
18-Month CD
$500
3.70% ▲ 0.75% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.75% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
1.5 Year Share Certificate
$500
3.60% ▲ 0.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
18 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.65% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.65% above avgNationally 2.88%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
18 Month CD/IRA
$500
3.55% ▲ 0.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 20, 2026: 3.55% APYSep 20, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
18 Month Business Certificate
$0
3.50% ▲ 0.55% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
18 Month IRA Certificate
$0
3.50% ▲ 0.55% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
18 Month Share Certificate
$0
3.50% ▲ 0.55% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
18-Month CD
$0
3.45% ▲ 0.50% above Missouri avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 11, 2026: 3.45% APYSep 11, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
18 Month Share Certificate
$0
3.40% ▲ 0.45% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.45% above avgNationally 2.88%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 18 Month
$1,000
3.40% ▲ 0.45% above Missouri avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
18 Month IRA Certificate
$0
3.35% ▲ 0.40% above Missouri avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.95%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
18 Month Share Certificates
$0
3.35% ▲ 0.40% above Missouri avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.95%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
18 Month Share Certificate
$0
3.31% ▲ 0.36% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.36% above avgNationally 2.88%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.31% ▲ 0.01 pts · high 3.31% / low 3.30%
2.80%3.30%3.81%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.31% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.31%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
18 Month Certificate
$1,000
0.75% ▼ 2.20% below Missouri avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
18 Month IRA Certificates
$0
0.75% ▼ 2.20% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
18 Month Standard CD
$0
0.75% ▼ 2.20% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90% ▲ 1.95% above Missouri avg
View
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.95% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
4.40%4.90%5.40%Sep 11, 2026: 4.90% APYSep 11, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month FDIC-Insured Certificate of Deposit
$0
4.75% ▲ 1.80% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.80% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 24, 2026: 4.50% APYSep 27, 2026: 4.55% APYOct 3, 2026: 4.70% APYOct 11, 2026: 4.75% APYSep 24, 2026Oct 14, 2026
  • Oct 11, 20264.75%▲ from 4.70%
  • Oct 3, 20264.70%▲ from 4.55%
  • Sep 27, 20264.55%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate of Deposit
$1,000
4.52% ▲ 1.57% above Missouri avg
View
▼
Rate4.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.57% above avgNationally 2.88%
Details

Compound Method: Calculated Daily, Compounded Semi-annually

Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
4.02%4.52%5.02%Oct 7, 2026: 4.52% APYOct 7, 2026Oct 14, 2026
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 MONTHS IRA
$500
4.50% ▲ 1.55% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18-Month Certificate of Deposit
$500
4.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.45% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.39% ▲ 0.14 pts · high 4.39% / low 4.25%
3.75%4.32%4.89%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 27, 20264.33%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 14, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.42% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.42% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.37% ▲ 0.17 pts · high 4.37% / low 4.20%
3.70%4.29%4.87%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.37%▲ from 4.32%
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month IRA Certificate
$500
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details

Compounded Semi-Annually

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Rising CD 18-Month
$5,000
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
1.75%3.70%5.65%Sep 24, 2026: 3.05% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.35%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo Certificate
$10,000
4.32% ▲ 1.37% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20%
3.70%4.26%4.82%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18 Month Certificate
$0
4.31% ▲ 1.36% above Missouri avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 4.31% APY · checked 6 times
3.81%4.31%4.81%Sep 8, 2026: 4.31% APYSep 8, 2026Oct 14, 2026
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25% ▲ 1.30% above Missouri avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.88%
Details

Balance: $5,000 and over

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$500
4.22% ▲ 1.27% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
18 Month CD
$500
4.20% ▲ 1.25% above Missouri avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.22% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.22% above avgNationally 2.88%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
18 Month CD or IRA CD
$500
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 14, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 18 Months
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
18 Month Certificates of Deposit
$0
4.12% ▲ 1.17% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 0.55% → 4.12% ▲ 3.57 pts · high 4.12% / low 0.55%
0.00%3.85%7.69%Sep 19, 2026: 0.55% APYSep 27, 2026: 4.12% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20264.12%▲ from 0.55%
  • Sep 19, 20260.55%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$1,000
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 18 months
$0
3.96% ▲ 1.01% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.01% above avgNationally 2.88%
Details

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 13, 2026: 3.96% APYOct 13, 2026Oct 14, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 18 Months
$1,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 7, 2026: 3.85% APYSep 7, 2026Oct 14, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Business In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
18 Month IRA CD
$0
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 14, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Premier CD
$25,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
18 Month Certificate
$1,000
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded

Independence 24 Month CD Rates

Missouri 24 Month CD Average3.03% APYNational 2.88%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.17% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.17% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.08% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.08% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
24 Month IRA Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
24 Month Share Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
24 Month Business Certificate
$0
4.09% ▲ 1.06% above Missouri avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.09% ▲ 0.64 pts · high 4.09% / low 3.45%
2.81%3.77%4.73%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.09%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
24-Month CD
$0
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
24 Month Certificates of Deposit (CD)
$0
4.00% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
2-Year CD
$500
3.60% ▲ 0.57% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
2 Year Share Certificate
$500
3.50% ▲ 0.47% above Missouri avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.47% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 24 Month
$1,000
3.49% ▲ 0.46% above Missouri avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
24 Month Share Certificate
$0
3.45% ▲ 0.42% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.45% ▲ 0.00 pts · high 3.45% / low 3.45%
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYOct 1, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.45%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
24 Month IRA Certificate
$0
3.45% ▲ 0.42% above Missouri avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
24 Month Share Certificates
$0
3.45% ▲ 0.42% above Missouri avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
24 Month Share Certificate
$0
3.35% ▲ 0.32% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.32% above avgNationally 2.88%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.35% ▲ 0.00 pts · high 3.35% / low 3.35%
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYOct 1, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.35%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
24 Month Certificate Accounts
$0
3.13% ▲ 0.10% above Missouri avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.10% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
24 Month Certificate Accounts
$0
3.07% ▲ 0.04% above Missouri avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.04% above avgNationally 2.88%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 5 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
24 Month Certificate Accounts
$0
3.05% ▲ 0.02% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.02% above avgNationally 2.88%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
24 Month CD/IRA
$500
3.00% ▼ 0.03% below Missouri avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▼ 0.03% below avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85% ▼ 0.18% below Missouri avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▼ 0.18% below avgNationally 2.88%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 8, 2026: 2.85% APYOct 8, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
24 Month Certificate
$1,000
0.80% ▼ 2.23% below Missouri avg
View
▼
Rate0.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.03%▼ 2.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 18, 2026: 0.80% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
24 Month IRA Certificates
$0
0.75% ▼ 2.28% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▼ 2.28% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
24 Month Standard CD
$0
0.75% ▼ 2.28% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▼ 2.28% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 1.97% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.97% above avgNationally 2.88%
Details

Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
4.10%4.80%5.50%Sep 24, 2026: 4.60% APYSep 27, 2026: 4.65% APYOct 3, 2026: 4.85% APYOct 7, 2026: 4.90% APYOct 11, 2026: 5.00% APYSep 24, 2026Oct 14, 2026
  • Oct 11, 20265.00%▲ from 4.90%
  • Oct 7, 20264.90%▲ from 4.85%
  • Oct 3, 20264.85%▲ from 4.65%
  • Sep 27, 20264.65%▲ from 4.60%
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.78% above Missouri avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.78% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.55% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.55% above avgNationally 2.88%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 1.52% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.52% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Months Jumbo IRA
$100,000
4.44% ▲ 1.41% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details

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

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

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
3.80%4.36%4.92%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.42%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Months Jumbo Certificate
$10,000
4.37% ▲ 1.34% above Missouri avg
View
▼
Rate4.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.37% ▲ 0.07 pts · high 4.37% / low 4.30%
3.80%4.34%4.87%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
24 Month CD
$0
4.32% ▲ 1.29% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
2.26%3.81%5.35%Sep 7, 2026: 3.29% APYOct 3, 2026: 4.32% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20264.32%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 2-Year
$1,000
4.30% ▲ 1.27% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
1.70%3.65%5.60%Sep 24, 2026: 3.00% APYOct 6, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.30%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$500
4.28% ▲ 1.25% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details

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

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

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
24 Month CD or IRA CD
$500
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 8, 2026: 4.25% APYSep 8, 2026Oct 14, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
24 Month Certificate
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 7, 2026: 4.25% APYSep 7, 2026Oct 14, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 24 Month
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
3.50%4.11%4.71%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.21% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.21%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
24 Month OASIS SPECIALS CERTIFICATE OF DEPOSIT
$1,000
4.16% ▲ 1.13% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 7, 2026: 4.16% APYOct 7, 2026Oct 14, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
2 year Certificate of Deposit (CD)
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
2.60%3.73%4.85%Sep 7, 2026: 3.35% APYSep 27, 2026: 4.10% APYSep 7, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 3.35%
  • Sep 7, 20263.35%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
4.08% ▲ 1.05% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 14, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Business In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 14, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 14, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 24 months
$0
4.06% ▲ 1.03% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
24 Month Certificate
$1,000
4.05% ▲ 1.02% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.02% above avgNationally 2.88%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 14, 2026
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Traditional 24-Month CD
$1,000
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Traditional CDs

Rate History
1 change since Sep 8, 2026 · 3.51% → 4.01% ▲ 0.50 pts · high 4.01% / low 3.51%
3.01%3.76%4.51%Sep 8, 2026: 3.51% APYOct 2, 2026: 4.01% APYSep 8, 2026Oct 14, 2026
  • Oct 2, 20264.01%▲ from 3.51%
  • Sep 8, 20263.51%first recorded
New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
4.01% ▲ 0.98% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 20, 2026: 3.80% APYOct 8, 2026: 4.01% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20264.01%▲ from 3.80%
  • Sep 20, 20263.80%first recorded

Independence 36 Month CD Rates

Missouri 36 Month CD Average2.77% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.43% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.43% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
36-Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.34% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.34% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
36 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
36 Month Business Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
36 Month IRA Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
36 Month Share Certificate
$0
3.85% ▲ 1.08% above Missouri avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 36 Month
$1,000
3.55% ▲ 0.78% above Missouri avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
3-Year CD
$500
3.55% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
36 Month IRA Certificate
$0
3.50% ▲ 0.73% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
36 Month Share Certificates
$0
3.50% ▲ 0.73% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
3 Year Share Certificate
$500
3.50% ▲ 0.73% above Missouri avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
36 Month Share Certificate
$0
3.44% ▲ 0.67% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.67% above avgNationally 2.81%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.37%3.95%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.45%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
36 Month Certificate Accounts
$0
3.23% ▲ 0.46% above Missouri avg
View
▼
Rate3.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 0.46% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 5 times
2.73%3.23%3.73%Sep 14, 2026: 3.23% APYSep 14, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
36 Month Share Certificate
$0
3.20% ▲ 0.43% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.43% above avgNationally 2.81%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.20% ▲ 0.00 pts · high 3.20% / low 3.20%
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYOct 1, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.20%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
36 Month Certificate Accounts
$0
3.18% ▲ 0.41% above Missouri avg
View
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 0.41% above avgNationally 2.81%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 5 times
2.68%3.18%3.68%Sep 14, 2026: 3.18% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
36 Month Certificate Accounts
$0
3.13% ▲ 0.36% above Missouri avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 0.36% above avgNationally 2.81%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% APYSep 14, 2026Oct 14, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
36 Month CD/IRA
$500
1.30% ▼ 1.47% below Missouri avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▼ 1.47% below avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 1.30% APY · checked 6 times
0.80%1.30%1.80%Sep 20, 2026: 1.30% APYSep 20, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
36 Month Certificate
$1,000
0.85% ▼ 1.92% below Missouri avg
View
▼
Rate0.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.77%▼ 1.92% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 4 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
36 Month IRA Certificates
$0
0.75% ▼ 2.02% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▼ 2.02% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
36 Month Standard CD
$0
0.75% ▼ 2.02% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▼ 2.02% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02% ▲ 2.25% above Missouri avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 2.25% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 2.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 2.23% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 24, 2026: 4.75% APYSep 27, 2026: 4.90% APYOct 3, 2026: 5.00% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20265.00%▲ from 4.90%
  • Sep 27, 20264.90%▲ from 4.75%
  • Sep 24, 20264.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71% ▲ 1.94% above Missouri avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.81% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.81%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details

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

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

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
3.80%4.41%5.02%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Months Jumbo Certificate
$10,000
4.47% ▲ 1.70% above Missouri avg
View
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.70% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.47% ▲ 0.17 pts · high 4.47% / low 4.30%
3.80%4.39%4.97%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.47%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$500
4.39% ▲ 1.62% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details

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

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

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

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 8, 2026: 4.35% APYSep 8, 2026Oct 14, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month CD
$0
4.32% ▲ 1.55% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 1.55% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
2.26%3.81%5.35%Sep 7, 2026: 3.29% APYOct 3, 2026: 4.32% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20264.32%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 36 Month
$0
4.25% ▲ 1.48% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.33% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
4.08% ▲ 1.31% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 14, 2026
United Bank of Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.38%
36 Month Certificate Special
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36 Month IRA CD
$0
3.96% ▲ 1.19% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 14, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 year
$0
3.95% ▲ 1.18% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month Jumbo CD
$50,000
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 11, 2026: 3.91% APYSep 11, 2026Oct 14, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3 Year Certificate
$500
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 14, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
IRA - 3 Year
$500
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76%
3.26%3.80%4.35%Sep 11, 2026: 3.76% APYOct 7, 2026: 3.85% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.76%
  • Sep 11, 20263.76%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month Certificates of Deposit
$1,000
3.80% ▲ 1.03% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded

Independence 48 Month CD Rates

Missouri 48 Month CD Average2.82% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
48 Month Business Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
48 Month IRA Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
48 Month Share Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

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

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.88% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.88% above avgNationally 2.80%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
48-Month CD
$0
3.60% ▲ 0.78% above Missouri avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
48 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 48 Month
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
48 Month IRA Certificate
$0
3.50% ▲ 0.68% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
48 Month Share Certificates
$0
3.50% ▲ 0.68% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
4 Year Share Certificate
$500
3.50% ▲ 0.68% above Missouri avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
4-Year CD
$500
3.50% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
48 Month Share Certificate
$0
3.40% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
48 Month Share Certificate
$0
3.30% ▲ 0.48% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.48% above avgNationally 2.80%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.30% ▲ 0.00 pts · high 3.30% / low 3.30%
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.30%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
48 Month CD/IRA
$500
1.40% ▼ 1.42% below Missouri avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▼ 1.42% below avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 20, 2026: 1.40% APYSep 20, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
48 Month Certificate
$1,000
0.90% ▼ 1.92% below Missouri avg
View
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▼ 1.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
48 Month IRA Certificates
$0
0.75% ▼ 2.07% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▼ 2.07% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
48 Month Standard CD
$0
0.75% ▼ 2.07% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▼ 2.07% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year FDIC-Insured Certificate of Deposit
$0
5.10% ▲ 2.28% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 2.28% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
4.35%4.98%5.60%Sep 24, 2026: 4.85% APYSep 27, 2026: 4.95% APYOct 3, 2026: 5.00% APYOct 7, 2026: 5.10% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20265.10%▲ from 5.00%
  • Oct 3, 20265.00%▲ from 4.95%
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 24, 20264.85%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Months Jumbo IRA
$100,000
4.65% ▲ 1.83% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.83% above avgNationally 2.80%
Details

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

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

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.63% ▲ 0.08 pts · high 4.63% / low 4.55%
4.05%4.59%5.13%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.63%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.76% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Months Jumbo Certificate
$10,000
4.58% ▲ 1.76% above Missouri avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.58% ▲ 0.03 pts · high 4.58% / low 4.55%
4.05%4.56%5.08%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.58%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$500
4.49% ▲ 1.67% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.67% above avgNationally 2.80%
Details

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

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

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

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 8 times
3.90%4.40%4.90%Sep 8, 2026: 4.40% APYSep 8, 2026Oct 14, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$100
4.32% ▲ 1.50% above Missouri avg
View
▼
Rate4.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.50% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 14, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
48 Month Certificate
$0
4.25% ▲ 1.43% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 7, 2026: 4.25% APYSep 7, 2026Oct 14, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 48 Month
$0
4.25% ▲ 1.43% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

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

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 14, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo Bump Up CD
$50,000
4.06% ▲ 1.24% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 14, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month ADVANTAGE CD/IRA
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 11, 2026: 3.85% APYOct 7, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20263.96%▲ from 3.85%
  • Sep 11, 20263.85%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo CD
$50,000
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48 Month IRA CD
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 14, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 4 year
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 48 Months
$0
3.85% ▲ 1.03% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month Certificates of Deposit
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Substantial penalty for early withdrawal

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

Rate History
1 change since Sep 7, 2026 · 3.29% → 3.80% ▲ 0.51 pts · high 3.80% / low 3.29%
2.78%3.55%4.31%Sep 7, 2026: 3.29% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.80%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month CD
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 14, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Bump Up CD
$1,000
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month Share Certificate of Deposit
$0
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 48 Months
$1,000
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

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

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

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

Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 11, 2026: 3.60% APYOct 7, 2026: 3.70% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20263.70%▲ from 3.60%
  • Sep 11, 20263.60%first recorded

Independence 60 Month CD Rates

Missouri 60 Month CD Average2.93% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
60 Month Business Certificate
$0
3.95% ▲ 1.02% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
60 Month IRA Certificate
$0
3.95% ▲ 1.02% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 3100 S State Route 291, Independence, MO 64057 2653
60 Month Share Certificate
$0
3.95% ▲ 1.02% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Premium Certificate of Deposit
$0
3.70% ▲ 0.77% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.77% above avgNationally 2.91%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3500 S Noland Rd, Independence, MO 64055
60-Month CD
$0
3.60% ▲ 0.67% above Missouri avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Preferred Certificates of Deposit (CD)
$0
3.60% ▲ 0.67% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
A-5.0 ★Texas Ratio: 14.26%
16995 E Dover Ln, Independence, MO 64056 1591
Certificate of Deposit (CD) - 60 Month
$1,000
3.55% ▲ 0.62% above Missouri avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO 64055
60 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.58% above avgNationally 2.91%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
60 Month IRA Certificate
$0
3.50% ▲ 0.57% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.93%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO 64055
60 Month Share Certificates
$0
3.50% ▲ 0.57% above Missouri avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average2.93%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
5 Year Share Certificate
$500
3.50% ▲ 0.57% above Missouri avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.57% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO 64057 1226
5-Year CD
$500
3.45% ▲ 0.52% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.52% above avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
60 Month Share Certificate
$0
3.34% ▲ 0.41% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.41% above avgNationally 2.91%
Details

Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.34% ▲ 0.19 pts · high 3.34% / low 3.15%
2.65%3.24%3.84%Sep 18, 2026: 3.15% APYOct 1, 2026: 3.34% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.34%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
60 Month Certificate Accounts
$0
3.30% ▲ 0.37% above Missouri avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 0.37% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
60 Month Certificate Accounts
$0
3.25% ▲ 0.32% above Missouri avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 0.32% above avgNationally 2.91%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
17811 E US Highway 40, Independence, MO 64055 5406
60 Month Share Certificate
$0
3.05% ▲ 0.12% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.12% above avgNationally 2.91%
Details

Balance: $500 - $9,999.99; Interest paid quarterly; Rates subject to change weekly; Penalty for early withdrawal will decrease the yield

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.05% ▲ 0.00 pts · high 3.05% / low 3.05%
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYOct 1, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.05%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO 64055
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00% ▲ 0.07% above Missouri avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 0.07% above avgNationally 2.91%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO 64055
60 Month Certificate
$1,000
1.51% ▼ 1.42% below Missouri avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.93%▼ 1.42% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 14, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4200 Little Blue Pkwy, Independence, MO 64057
60 Month CD/IRA
$500
1.50% ▼ 1.43% below Missouri avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▼ 1.43% below avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 20, 2026: 1.50% APYSep 20, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
60 Month IRA Certificates
$0
0.75% ▼ 2.18% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▼ 2.18% below avgNationally 2.91%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4610 S Noland Rd, Independence, MO 64055
60 Month Standard CD
$0
0.75% ▼ 2.18% below Missouri avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▼ 2.18% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year FDIC-Insured Certificate of Deposit
$0
5.20% ▲ 2.27% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 2.27% above avgNationally 2.91%
Details

Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
4.40%5.05%5.70%Sep 24, 2026: 4.90% APYSep 27, 2026: 5.05% APYOct 7, 2026: 5.15% APYOct 11, 2026: 5.20% APYSep 24, 2026Oct 14, 2026
  • Oct 11, 20265.20%▲ from 5.15%
  • Oct 7, 20265.15%▲ from 5.05%
  • Sep 27, 20265.05%▲ from 4.90%
  • Sep 24, 20264.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo IRA
$100,000
4.70% ▲ 1.77% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.77% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
3.95%4.58%5.20%Sep 14, 2026: 4.45% APYSep 27, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 27, 20264.54%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.70% ▲ 1.77% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
4.04%4.62%5.20%Sep 14, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo+ Certificate
$100,000
4.68% ▲ 1.75% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.75% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
3.95%4.56%5.18%Sep 18, 2026: 4.45% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.68% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.68%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.45%
  • Sep 18, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo Certificate
$10,000
4.63% ▲ 1.70% above Missouri avg
View
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.70% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40%
3.90%4.52%5.13%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.63%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.65% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.65% above avgNationally 2.91%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 14, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
4.54% ▲ 1.61% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.61% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.54% ▲ 0.17 pts · high 4.54% / low 4.37%
3.87%4.46%5.04%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.54%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months
$500
4.54% ▲ 1.61% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.61% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
3.89%4.47%5.04%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
4.52% ▲ 1.59% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 1.59% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37%
3.87%4.45%5.02%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
60 Month CD or IRA CD
$500
4.45% ▲ 1.52% above Missouri avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.93%▲ 1.52% above avgNationally 2.91%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 8 times
3.95%4.45%4.95%Sep 8, 2026: 4.45% APYSep 8, 2026Oct 14, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.34% ▲ 1.41% above Missouri avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.41% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 11, 2026 · 4.34% APY · checked 7 times
3.84%4.34%4.84%Sep 11, 2026: 4.34% APYSep 11, 2026Oct 14, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
60 Months Special CD
$1,000
4.30% ▲ 1.37% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.93%▲ 1.37% above avgNationally 2.91%
Details

Available as IRA in Branch:

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25% ▲ 1.32% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 60 Month
$0
4.25% ▲ 1.32% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
4.08% ▲ 1.15% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.15% above avgNationally 2.91%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 14, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Jumbo CD
$50,000
4.06% ▲ 1.13% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.13% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 14, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
5 Year Certificate
$500
4.06% ▲ 1.13% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.13% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 14, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month ADVANTAGE CD/IRA
$0
4.01% ▲ 1.08% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.08% above avgNationally 2.91%
Details

Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 11, 2026: 3.91% APYOct 7, 2026: 4.01% APYSep 11, 2026Oct 14, 2026
  • Oct 7, 20264.01%▲ from 3.91%
  • Sep 11, 20263.91%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$1,000
3.96% ▲ 1.03% above Missouri avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60 Month IRA CD
$0
3.96% ▲ 1.03% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 14, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 5 year
$0
3.95% ▲ 1.02% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.97% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 60 Months
$0
3.90% ▲ 0.97% above Missouri avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.92% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.92% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Certificates of Deposit
$1,000
3.80% ▲ 0.87% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
60 Month CD
$0
3.80% ▲ 0.87% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Independence, Missouri Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
First Federal Bank of Kansas City
36-Month CD
A+ 5.0 ★ TX: 3.50%
Min: $0
4.15%
UMB Bank
3-MONTH TIME DEPOSIT ACCOUNT
A+ 5.0 ★ TX: 1.78%
Min: $500
3.85%
Blue Ridge Bank and Trust Co.
12 Month CD/IRA
A+ 5.0 ★ TX: 1.01%
Min: $500
3.55%
North American Savings Bank (NASB)
12 Month Fixed IRA
A+ 5.0 ★ TX: 4.31%
Min: $100
0.85%
BMO Bank National Association
12 Month IRA Certificates
A+ 5.0 ★ TX: 3.54%
Min: $0
0.75%
CU Top 5 Credit Union Rates
United Consumers Credit Union
24 Month Premium Certificate of Deposit
A 5.0 ★ TX: 6.33%
Min: $0
4.20%
CommunityAmerica Credit Union
24 Month IRA Certificate
Min: $0
4.10%
City Credit Union
6-Month CD
A 5.0 ★ TX: 8.51%
Min: $500
3.95%
Public Safety Credit Union
1 Year Share Certificate
A+ 5.0 ★ TX: 2.02%
Min: $500
3.90%
Interfaith Federal Credit Union
6 Month Certificate Accounts
A+ 5.0 ★ TX: 1.52%
Min: $0
3.80%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Independence, MO CD Rate Trends

Compare local Independence, 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.

View Full Missouri CD Trends
12-Month CD MO Avg
3.098%
Unchanged vs 7 days ago

Missouri 12-month CD rates currently average 3.098% APY based on data from institutions in our monitoring network.

6-Month CD MO Avg
2.906%
▲ 0.022 vs 7 days ago

Missouri 6-month CD rates rose 0.022 points over the past 7 days to 2.906% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

MO CD Rate Forecast, Next 12 Months

Where are Missouri CD rates headed through October 2027?

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

MO 12-Month Avg APY
3.098%
6-Month Forecast
3.098%
Range: 2.90%, 3.25%
12-Month Forecast
3.348%
Range: 3.15%, 3.50%

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

Spread model: The Missouri 12-month CD average currently trades 1.28% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at MO CD Rates Today

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

CD Term MO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.941% $97.05 $194.09 $485.22 $970.45
6-Month CD 2.906% $145.30 $290.60 $726.50 $1,453.00
12-Month CD 3.098% $154.89 $309.77 $774.43 $1,548.85
18-Month CD 2.953% $147.64 $295.27 $738.18 $1,476.35
24-Month CD 3.027% $151.33 $302.66 $756.65 $1,513.30
36-Month CD 2.768% $138.41 $276.82 $692.05 $1,384.10
48-Month CD 2.821% $141.04 $282.08 $705.20 $1,410.40
60-Month CD 2.934% $146.69 $293.38 $733.45 $1,466.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Independence, Missouri Savers

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

Build Your Ladder
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 1.941% $97.05
2 6-Month CD $5,000 2.906% $145.30
3 12-Month CD $5,000 3.098% $154.89
4 24-Month CD $5,000 3.027% $151.33
5 36-Month CD $5,000 2.768% $138.41
Total ($25,000 invested) $25,000 2.748% blended $686.98/yr

Ladder example uses equal $5,000 rungs and Missouri average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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1,371
CD Rates
Tracked in Independence, Missouri
81 Banks 54 Credit Unions

About Our Independence, Missouri CD Rate Database

MonitorBankRates tracks 1,371 CD rates from 81 banks and 54 credit unions with locations in Independence, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: United Consumers Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Independence, Missouri.

How to Find the Best CD Rates in Independence, Missouri

What to compare when shopping for a CD in Independence, Missouri

To find the best APYs in Independence, Missouri, start with credit unions and online-only banks: Independence, Missouri has 54 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 Independence, 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 Independence, Missouri: 135 institutions here report CD rates

Consider an Alternative If…

Independence, Missouri Financial Snapshot

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

Population 65+
18.7%
National avg: 17.3%
Median Individual Earnings
$39,290
National avg: $47,340
Poverty Rate
15.8%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At MO 12-mo avg 3.098% APY

18.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.098%, saving 10% of the local median salary ($3,929/year) and putting it in a CD would earn an additional $122 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 Independence, Missouri

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

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

How Certificates of Deposit Work in Independence, 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 Independence, 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 Independence, Missouri as everywhere in the U.S.

Choosing a CD Term in Independence, 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 Independence, Missouri savers easier access to their funds. For example, City Credit Union is offering its 6-Month CD at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CommunityAmerica Credit Union is offering its 60 Month Business Certificate at 3.95% 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 Independence, 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 Independence, 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 Independence, 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 Independence, 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 Independence, Missouri

Most CDs carry a fixed rate that is locked for the entire term, protecting a Independence, 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 Independence, Missouri

Are CD rates in Independence, Missouri FDIC insured?

Yes, most established banks in Independence, 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 Independence, 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 Independence, 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 Independence, 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 Independence, Missouri?

Here are recent top rates found for this area:
  • United Consumers Credit Union: 4.20% APY (24 Month Premium Certificate of Deposit)
  • First Federal Bank of Kansas City: 4.15% APY (36-Month CD)
  • CommunityAmerica Credit Union: 4.10% APY (24 Month IRA Certificate)
  • City Credit Union: 3.95% APY (6-Month CD)
  • Public Safety Credit Union: 3.90% APY (1 Year Share Certificate)
  • UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
  • Interfaith Federal Credit Union: 3.80% APY (6 Month Certificate Accounts)
  • Missouri Central Credit Union: 3.65% APY (12 Month Share Certificate)
  • UNIFY Financial Federal Credit Union: 3.60% APY (3 Month IRA Certificate)
  • Blue Ridge Bank and Trust Co.: 3.55% APY (12 Month CD/IRA)
Rates reflect recent verified offers available in Independence, Missouri. Last Updated: October 13, 2026

Independence, 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 Independence, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Independence, Missouri CD Rates by Term

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

CD Calculators for Independence, Missouri

Independence, Missouri CD Calculator

At today’s MO top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.

Independence, Missouri CD Ladder

MO CD rates currently range from 1.941% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Independence, Missouri CD at 4.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Missouri’s average 12-month CD is 3.098% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Independence, 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 Independence, 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 Independence, Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.

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

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

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