MonitorBankRates
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Missouri Best CD Rates September 2026

Current Missouri CD rates include MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.48%Real return: +1.79%APY minus CPI (February 2026) offering 48 Months Jumbo IRA at 4.59% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 5-year CD at 4.50% APY, Community Bank of MarshallCommunity Bank of Marshall227 N Lafayette St, Corder, MO 64021A+5.0 ★Texas Ratio: 1.98%Real return: +1.70%APY minus CPI (February 2026) offering 18 MONTHS IRA at 4.50% APY, Bank of WashingtonBank of Washington200 W Main St, Washington, MO 63090C+4.1 ★Texas Ratio: 25.51%Real return: +1.65%APY minus CPI (February 2026) offering 60 Month CD or IRA CD at 4.45% APY, and Sullivan BankSullivan Bank318 W Main St, Sullivan, MO 63080A5.0 ★Texas Ratio: 7.14%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Special at 4.30% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Missouri side-by-side. Missouri CD rates currently reach as high as 4.59% APY from MECE Credit Union at 2722 E McCarty St, Jefferson City, MO 65101 4428. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026

Compare Best CD Rates in Missouri

Missouri 3 Month CD Rates

MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week

The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
3-Month
$0
4.05% ▲ 2.09% above national avg
Rate3.99%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.09% above avg
Details

Compounding: At maturity. Open Online

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
3 Month
$0
4.01% ▲ 2.05% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.05% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
3-Month CD
$500
3.90% ▲ 1.94% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.94% above avg
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12210 S 71 Hwy, Grandview, MO 64030
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.89% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

Special Offer. balances under $100k

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.85% ▲ 1.89% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

Interest paid at term or maturity of CD

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-month CD
$0
3.85% ▲ 1.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$0
3.75% ▲ 1.79% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

Minimum balance required to earn dividend

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 3 Month
$0
3.75% ▲ 1.79% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65% ▲ 1.69% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.69% above avg
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
3 months
$0
3.56% ▲ 1.60% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.60% above avg
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
3 Month Certificate
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
3 Months
$0
3.55% ▲ 1.59% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO 65802 3704
3 Month Certificate
$0
3.55% ▲ 1.59% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$0
3.51% ▲ 1.55% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months Jumbo IRA
$100,000
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 3 Months Jumbo IRA
$100,000
3.51% ▲ 1.55% above national avg
Rate3.45%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 E Cherry St, Nevada, MO 64772
3-Month CD
$1,000
3.40% ▲ 1.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

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

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
3 Month CD
$1,000
3.40% ▲ 1.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details

In Branch; The rates shown are only available for online accounts.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months
$500
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 3 Months
$500
3.35% ▲ 1.39% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
3 Months
$500
3.34% ▲ 1.38% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.38% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month CD/IRA
$0
3.25% ▲ 1.29% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
3-Month CD
$0
3.10% ▲ 1.14% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1002 Swift Ave, North Kansas City, MO 64116 4128
3 Month
$0
3.03% ▲ 1.07% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details

Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
3 Month
$0
3.02% ▲ 1.06% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.06% above avg
Details

Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
3 Months
$0
3.01% ▲ 1.05% above national avg
Rate2.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.05% above avg
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 90 Day Certificate
$0
3.00% ▲ 1.04% above national avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details

Kennett Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
917 1st St, Kennett, MO 63857
3 Months
$0
3.00% ▲ 1.04% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details

Bank of Salem MO
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
100 W 4th St, Salem, MO 65560
3 Month CD
$1,000
2.88% ▲ 0.92% above national avg
Rate2.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 0.92% above avg
Details

Bank of Salem MO
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
100 W 4th St, Salem, MO 65560
3 Month CD
$1,000
2.83% ▲ 0.87% above national avg
Rate2.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 0.87% above avg
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
3 Month CD
$0
2.78% ▲ 0.82% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details

Bank of Salem MO
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
100 W 4th St, Salem, MO 65560
3 Month CD
$1,000
2.78% ▲ 0.82% above national avg
Rate2.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 0.82% above avg
Details

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
916 N Kings Hwy, Perryville, MO 63775
3 Month CD
$500
2.69% ▲ 0.73% above national avg
Rate2.66%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.73% above avg
Details

Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
227 N Lafayette St, Corder, MO 64021
3 MONTHS
$1,000
2.52% ▲ 0.56% above national avg
Rate2.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.56% above avg
Details

Compound Period: Maturity

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
3 Months CD Only
$1,000
2.50% ▲ 0.54% above national avg
Rate2.47%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
3 Months
$1,000
2.15% ▲ 0.19% above national avg
Rate2.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.19% above avg
Details

Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
3 Month CD
$1,000
2.02% ▲ 0.06% above national avg
Rate2.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details

Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1601 S Limit Ave, Sedalia, MO 65301
3 Month
$1,000
2.02% ▲ 0.06% above national avg
Rate2.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO 64804 4037
3 months
$0
2.02% ▲ 0.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
3-Month CD
$0
2.00% ▲ 0.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
3 month
$0
2.00% ▲ 0.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
3-month Certificate of Deposit
$1,000
1.65% ▼ 0.31% below national avg
Rate1.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
3-month IRA Certificate of Deposit
$1,000
1.65% ▼ 0.31% below national avg
Rate1.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
206 N 5th St, St Charles, MO 63301
IRA Certificate of Deposit - 3-month
$1,000
1.65% ▼ 0.31% below national avg
Rate1.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
90-day CD
$0
1.51% ▼ 0.45% below national avg
Rate1.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 0.45% below avg
Details

HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
400 S Main St, Palmyra, MO 63461
3 MONTHS CD
$2,500
1.16% ▼ 0.80% below national avg
Rate1.15%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.80% below avg
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
550 S Muldrow St, Mexico, MO 65265 2014
3 Month
$0
1.10% ▼ 0.86% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.86% below avg
Details

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
3-Month CD
$1,000
1.00% ▼ 0.96% below national avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
3 Month CD
$0
1.00% ▼ 0.96% below national avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details

FCNB Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.82%
402 W Main St, Steelville, MO 65565
3 Month
$1,000
1.00% ▼ 0.96% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details

Missouri 6 Month CD Rates

MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week

The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months Jumbo IRA
$100,000
4.23% ▲ 1.56% above national avg
Rate4.15%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.56% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months Jumbo IRA
$100,000
4.23% ▲ 1.56% above national avg
Rate4.15%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.56% above avg
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
6 Month
$0
4.20% ▲ 1.53% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months
$500
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 6 Months
$500
4.07% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
6 Months
$500
4.06% ▲ 1.39% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.39% above avg
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
6 Months
$1,000
4.05% ▲ 1.38% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details

Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
6 Month Certificate
$0
4.00% ▲ 1.33% above national avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 6 Months
$1,000
4.00% ▲ 1.33% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
2438 Katy LN, Poplar Bluff, MO 63901 2304
6 Month Certificate
$0
4.00% ▲ 1.33% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

Minimum balance required to earn dividend

R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 6 Months
$0
4.00% ▲ 1.33% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details

$500+

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
6 Month CD or IRA CD
$500
3.95% ▲ 1.28% above national avg
Rate3.89%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details

Interest paid quarterly

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6-month CD
$0
3.95% ▲ 1.28% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
6-Month CD
$500
3.95% ▲ 1.28% above national avg
Rate3.95%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month CD
$0
3.90% ▲ 1.23% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate
$1,000
3.90% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details

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

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, New Haven, MO 63068
6 Month CD
$1,000
3.89% ▲ 1.22% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.22% above avg
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 months
$0
3.89% ▲ 1.22% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.22% above avg
Details

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
6 month Personal CD
$1,000
3.85% ▲ 1.18% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details

Open Online

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 or 6 Month CD
$1,000
3.85% ▲ 1.18% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/06/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month
$0
3.80% ▲ 1.13% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate
$1,000
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6-Month IRA
$1,000
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 6 Month
$1,000
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 6-Month
$1,000
3.80% ▲ 1.13% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details

All rates are Annual Percentage Yields.

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
6 Month
$0
3.79% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details

Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
931 State Highway 248, Branson, MO 65616
6 Month CD
$1,000
3.77% ▲ 1.10% above national avg
Rate3.72%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.10% above avg
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 6 Month
$0
3.75% ▲ 1.08% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
101 E Grand Ave, Jasper, MO 64755
6-Month Special
$0
3.73% ▲ 1.06% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.06% above avg
Details

Special Rate

PSB of Rhineland
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
688 Salt Lick Rd, Saint Peters, MO 63376
6 Month
$1,000
3.71% ▲ 1.04% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.04% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
6 Months
$0
3.70% ▲ 1.03% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
6 MONTHS
$2,000
3.67% ▲ 1.00% above national avg
Rate3.60%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.00% above avg
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
801 E Broadway, Columbia, MO 65201
6-month CD
$0
3.65% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details

New Money

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
180 Day CD
$1,000
3.65% ▲ 0.98% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.98% above avg
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
180 Day IRA
$250
3.65% ▲ 0.98% above national avg
Rate3.60%
Min Deposit$250
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.98% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month CD
$0
3.60% ▲ 0.93% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate
$1,000
3.60% ▲ 0.93% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 6 Month
$1,000
3.60% ▲ 0.93% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 6-Month
$1,000
3.60% ▲ 0.93% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

All rates are Annual Percentage Yields.

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month
$0
3.60% ▲ 0.93% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$1,000
3.56% ▲ 0.89% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
6 Months
$0
3.56% ▲ 0.89% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details

County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
6 months
$0
3.56% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month
$0
3.55% ▲ 0.88% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate
$0
3.55% ▲ 0.88% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
6-month term
$0
3.55% ▲ 0.88% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

Bank Northwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3309 Miller St, Bethany, MO 64424
6-month CD
$0
3.53% ▲ 0.86% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.86% above avg
Details

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
6-Month CD
$1,000
3.51% ▲ 0.84% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
6 month ADVANTAGE CD/IRA
$0
3.51% ▲ 0.84% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
6 Month
$500
3.51% ▲ 0.84% above national avg
Rate3.46%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details

Missouri 12 Month CD Rates

MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week

The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months Jumbo IRA
$100,000
4.44% ▲ 1.61% above national avg
Rate4.35%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.61% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months Jumbo IRA
$100,000
4.44% ▲ 1.61% above national avg
Rate4.35%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.61% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months
$500
4.28% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 12 Months
$500
4.28% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.45% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
12 Months
$500
4.27% ▲ 1.44% above national avg
Rate4.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.44% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$1,000
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details

Featured rate

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1-year CD
$0
4.10% ▲ 1.27% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
12 Month
$0
4.10% ▲ 1.27% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Youth 12 Month
$0
4.10% ▲ 1.27% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details

Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
227 N Lafayette St, Corder, MO 64021
12 MONTHS IRA
$500
4.09% ▲ 1.26% above national avg
Rate4.05%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.26% above avg
Details

Compound Period: Semi-Annually

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
1 Year CD
$1,000
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.23% above avg
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
1 Year IRA
$250
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$250
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.23% above avg
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
12 Months
$1,000
4.05% ▲ 1.22% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details

Early Withdrawal Penalty 6-12 Month CD - 3 Month Interest Penalty. Rates apply to new deposits only.

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
12 Month CD or IRA CD
$500
4.05% ▲ 1.22% above national avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details

Interest paid quarterly

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 12 Months
$1,000
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details

Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
227 N Lafayette St, Corder, MO 64021
12 MONTHS
$1,000
3.94% ▲ 1.11% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.11% above avg
Details

Compound Period: Semi-Annually

HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
Individual Retirement Account (IRA) 12-month
$500
3.91% ▲ 1.08% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.08% above avg
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.91% ▲ 1.08% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
1 Year Certificate
$500
3.90% ▲ 1.07% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details

West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
12 month
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
1 Year
$500
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details

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

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.86% ▲ 1.03% above national avg
Rate3.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.03% above avg
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO 65802 3704
12 Month Certificate
$500
3.85% ▲ 1.02% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details

Monthly dividends. Rollover at maturity.

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
12 Month Fixed
$0
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details

Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1601 S Limit Ave, Sedalia, MO 65301
12 Month
$1,000
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Build A Certificate of Deposit
$0
3.81% ▲ 0.98% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Certificate of Deposit
$1,000
3.81% ▲ 0.98% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
12-Month IRA
$0
3.81% ▲ 0.98% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
12-month term
$0
3.80% ▲ 0.97% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
12 Month Certificate
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
12-Month CD
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
12 Month CD
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
1 Year
$500
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
IRA 12 Month (Fixed rate)
$500
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Compounded: Quarterly

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
12 Months
$1,000
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
Youth Saver 12-Month CD
$250
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

ages 0-19

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
Youth Saver 12-Month CD (ages 0-19)
$250
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$250
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Age: 0-19

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
9300 Troost Ave, Kansas City, MO 64131
Premier CD - 1 Year
$0
3.80% ▲ 0.97% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
1-Year CD
$500
3.80% ▲ 0.97% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
12-Month CD
$1,000
3.75% ▲ 0.92% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
12 Month CD
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Annual Percentage Yield (APY) is accurate as of 07/06/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$50,000
3.75% ▲ 0.92% above national avg
Rate3.70%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 12 Months
$0
3.75% ▲ 0.92% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

$500+

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 1 Year
$0
3.75% ▲ 0.92% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO 64804 4037
12 months
$0
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
12 Month Variable
$0
3.72% ▲ 0.89% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.89% above avg
Details

Variable rate

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
12 Months
$0
3.71% ▲ 0.88% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.88% above avg
Details

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
101 E Grand Ave, Jasper, MO 64755
12-Month Special
$0
3.70% ▲ 0.87% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

Special Rate

Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
321 S Us Highway 169, Gower, MO 64454
1 year
$0
3.70% ▲ 0.87% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
12 Month Jumbo CD
$1,000
3.70% ▲ 0.87% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details

Missouri 18 Month CD Rates

MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week

The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
227 N Lafayette St, Corder, MO 64021
18 MONTHS IRA
$500
4.50% ▲ 1.82% above national avg
Rate4.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.82% above avg
Details

Compound Period: Semi-Annually

Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
227 N Lafayette St, Corder, MO 64021
18 MONTHS
$1,000
4.35% ▲ 1.67% above national avg
Rate4.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.67% above avg
Details

Compound Period: Semi-Annually

Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
100 Circle Dr, New Haven, MO 63068
18 Month CD
$500
4.20% ▲ 1.52% above national avg
Rate4.16%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
18 Month CD or IRA CD
$500
4.15% ▲ 1.47% above national avg
Rate4.09%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details

Interest paid quarterly

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6900 Clayton Ave, St Louis, MO 63139
18 Months
$1,000
4.15% ▲ 1.47% above national avg
Rate4.11%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details

Calculated Daily, Compounded Semi-annually

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18-month CD
$0
4.15% ▲ 1.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months Jumbo IRA
$100,000
4.02% ▲ 1.34% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.34% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months Jumbo IRA
$100,000
4.02% ▲ 1.34% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.34% above avg
Details

CNB St Louis Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
7305 Manchester Rd, Maplewood, MO 63143
IRA CD 18 Month Variable Rate
$500
3.89% ▲ 1.21% above national avg
Rate3.82%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.21% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months
$500
3.87% ▲ 1.19% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.19% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 18 Months
$500
3.87% ▲ 1.19% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.19% above avg
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 18 Months
$1,000
3.85% ▲ 1.17% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
18 Month CD
$0
3.85% ▲ 1.17% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO 64804 4037
18 months
$0
3.85% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
18 Months
$500
3.85% ▲ 1.17% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
18 Months
$1,000
3.80% ▲ 1.12% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
18-Month Variable Rate IRA
$0
3.79% ▲ 1.11% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details

Variable Rate

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 18 Month
$0
3.75% ▲ 1.07% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details

CNB St Louis Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
7305 Manchester Rd, Maplewood, MO 63143
18 Month CD Special
$1,000
3.70% ▲ 1.02% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

Limited Time Only

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
18-Month CD
$500
3.70% ▲ 1.02% above national avg
Rate3.70%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
18 Month Fixed
$0
3.67% ▲ 0.99% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.99% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month ADVANTAGE CD/IRA
$0
3.66% ▲ 0.98% above national avg
Rate3.61%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
18 Month Certificate
$0
3.65% ▲ 0.97% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO 65802 3704
18 Month Certificate
$500
3.65% ▲ 0.97% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details

Monthly dividends. Rollover at maturity.

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
1.5 Year
$500
3.60% ▲ 0.92% above national avg
Rate3.54%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details

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

Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
4200 Little Blue Pkwy, Independence, MO 64057
18 Month CD/IRA
$500
3.55% ▲ 0.87% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.87% above avg
Details

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
18 month
$500
3.55% ▲ 0.87% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details

Compounding and Crediting Frequency: Semi-annually

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
18 Month Variable
$0
3.51% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.83% above avg
Details

Variable rate

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Months
$0
3.51% ▲ 0.83% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.83% above avg
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
18 Months
$1,000
3.50% ▲ 0.82% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
18 Months
$0
3.46% ▲ 0.78% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.78% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
18-Month CD
$0
3.45% ▲ 0.77% above national avg
Rate3.41%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
9300 Troost Ave, Kansas City, MO 64131
Premier CD - 18 Months
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term CD Specials
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term CD Specials Rewards
$0
3.45% ▲ 0.77% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term IRA CD Specials
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
18-month term IRA CD Specials Rewards
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO 63043
IRA CD Specials - 18-month term
$0
3.45% ▲ 0.77% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1002 Swift Ave, North Kansas City, MO 64116 4128
18 Month
$0
3.44% ▲ 0.76% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.76% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
18 month CD/IRA
$0
3.40% ▲ 0.72% above national avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
18 Month CD
$1,000
3.40% ▲ 0.72% above national avg
Rate3.36%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.72% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
18 Month Term
$0
3.40% ▲ 0.72% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificate 18 Month Term
$0
3.40% ▲ 0.72% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details

Holy Rosary Credit Union Kansas City, MO
Institution Rating:
B+4.8 ★Texas Ratio: 13.86%
533 Campbell St, Kansas City, MO 64106 1274
18 Month
$0
3.40% ▲ 0.72% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 18-Month CD
$0
3.40% ▲ 0.72% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
18 Month CD
$1,000
3.35% ▲ 0.67% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details

In Branch; $5,000 minimum opening deposit; The rates shown are only available for online accounts.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate
$0
3.30% ▲ 0.62% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
18 Month Term
$0
3.30% ▲ 0.62% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificate 18 Month Term
$0
3.30% ▲ 0.62% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details

Missouri 24 Month CD Rates

MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week

The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
24 Month CD or IRA CD
$500
4.25% ▲ 1.54% above national avg
Rate4.18%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details

Interest paid quarterly

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
100 E Locust St, Union, MO 63084
24 Month
$0
4.25% ▲ 1.54% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details

Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
24 Month
$0
4.16% ▲ 1.45% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.45% above avg
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2-year CD
$0
4.15% ▲ 1.44% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO 65802 3704
24 Month Certificate
$500
4.15% ▲ 1.44% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details

Monthly dividends. One-time bump up. Rollover at maturity.

R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
400 Towne Center Drive, BELTON, MO 64012
IRA Term Share Accounts (Traditional & Roth 24 Months
$0
4.10% ▲ 1.39% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details

$500+

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months Jumbo IRA
$100,000
4.07% ▲ 1.36% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months Jumbo IRA
$100,000
4.07% ▲ 1.36% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details

Regent Bank (OK)
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3721 E Battlefield St, Springfield, MO 65809
24 Months
$1,000
4.05% ▲ 1.34% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details

Early Withdrawal Penalty 18-60 Month CD - 6 Month Interest Penalty. Rates apply to new deposits only.

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
24-Month CD
$0
4.01% ▲ 1.30% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.30% above avg
Details

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
101 E Grand Ave, Jasper, MO 64755
24-Month Special
$0
4.00% ▲ 1.29% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details

Special Rate

Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
2 Year
$0
3.96% ▲ 1.25% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.25% above avg
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO 64804 4037
24 months
$0
3.96% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.25% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months
$500
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 24 Months
$500
3.92% ▲ 1.21% above national avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details

Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
2 Year
$0
3.91% ▲ 1.20% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
24 Month CD
$0
3.91% ▲ 1.20% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
24 Months
$500
3.91% ▲ 1.20% above national avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.20% above avg
Details

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO 64155
24-Month CD
$1,000
3.90% ▲ 1.19% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details

Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.

R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
400 Towne Center Drive, BELTON, MO 64012
24 Months
$0
3.90% ▲ 1.19% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 24 Months
$1,000
3.85% ▲ 1.14% above national avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
24 Months
$1,000
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

No penalty for early withdrawal

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
24 months
$0
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
2 Year
$500
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
IRA 24 Month (Fixed rate)
$500
3.80% ▲ 1.09% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details

Compounded: Quarterly

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month
$0
3.75% ▲ 1.04% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month Certificate
$1,000
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
24-Month IRA
$1,000
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 24 Month
$1,000
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 24-Month
$1,000
3.75% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

All rates are Annual Percentage Yields.

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
24 Month
$0
3.75% ▲ 1.04% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 2 Year
$0
3.75% ▲ 1.04% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
24 month ADVANTAGE CD/IRA
$0
3.71% ▲ 1.00% above national avg
Rate3.66%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.00% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$50,000
3.70% ▲ 0.99% above national avg
Rate3.65%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
24 MONTHS
$1,000
3.67% ▲ 0.96% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.96% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month Jumbo CD
$1,000
3.65% ▲ 0.94% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
2 year
$0
3.65% ▲ 0.94% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.60% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1002 Swift Ave, North Kansas City, MO 64116 4128
24 Month
$0
3.60% ▲ 0.89% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
2-Year CD
$500
3.60% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month CD
$1,000
3.55% ▲ 0.84% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.55% ▲ 0.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Certificate of Deposit
$50,000
3.55% ▲ 0.84% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Interest compounded semi-annually.

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
24-month term
$0
3.55% ▲ 0.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
24-Month CD
$1,000
3.51% ▲ 0.80% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
24 Months
$0
3.51% ▲ 0.80% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
24 Month CD
$1,000
3.50% ▲ 0.79% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
24 Months
$0
3.50% ▲ 0.79% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month
$0
3.50% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
2 Year
$500
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

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

Missouri 36 Month CD Rates

MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week

The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
36 Month CD or IRA CD
$500
4.35% ▲ 1.69% above national avg
Rate4.28%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.69% above avg
Details

Interest paid quarterly

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3-year CD
$0
4.35% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.69% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
36-Month CD
$0
4.15% ▲ 1.50% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months Jumbo IRA
$100,000
4.02% ▲ 1.36% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.36% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months Jumbo IRA
$100,000
4.02% ▲ 1.36% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.36% above avg
Details

United Bank of Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
15 E Main St, Union, MO 63084
36 Month Special
$0
4.00% ▲ 1.35% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
36 Month CD
$0
3.96% ▲ 1.31% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.31% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months
$500
3.87% ▲ 1.22% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 36 Months
$500
3.87% ▲ 1.22% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
36 Months
$500
3.85% ▲ 1.20% above national avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month ADVANTAGE CD/IRA
$0
3.76% ▲ 1.11% above national avg
Rate3.71%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month
$0
3.75% ▲ 1.10% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month Certificate
$1,000
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
36-Month IRA
$1,000
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 36 Month
$1,000
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 36-Month
$1,000
3.75% ▲ 1.10% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

All rates are Annual Percentage Yields.

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
36 Month
$0
3.75% ▲ 1.10% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 3 Year
$0
3.75% ▲ 1.10% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$50,000
3.70% ▲ 1.05% above national avg
Rate3.65%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month Jumbo CD
$1,000
3.65% ▲ 1.00% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.60% ▲ 0.95% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60% ▲ 0.95% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details

Interest compounded semi-annually.

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 36 Months
$1,000
3.55% ▲ 0.90% above national avg
Rate3.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.55% ▲ 0.90% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.55% ▲ 0.90% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

Holy Rosary Credit Union Kansas City, MO
Institution Rating:
B+4.8 ★Texas Ratio: 13.86%
533 Campbell St, Kansas City, MO 64106 1274
36 Month
$0
3.55% ▲ 0.90% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
3-Year CD
$500
3.55% ▲ 0.90% above national avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
36 month CD/IRA
$0
3.51% ▲ 0.86% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Months
$0
3.51% ▲ 0.86% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
36 Months
$1,000
3.50% ▲ 0.85% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
36 Month CD
$1,000
3.50% ▲ 0.85% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

New Frontier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1771 Zumbehl Rd, Saint Charles, MO 63303
36 months
$0
3.50% ▲ 0.85% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
3 year
$0
3.50% ▲ 0.85% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
36 Months
$0
3.50% ▲ 0.85% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.50% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
3 Year
$500
3.50% ▲ 0.85% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

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

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Build A Certificate of Deposit
$0
3.50% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$1,000
3.50% ▲ 0.85% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
36 Months
$1,000
3.50% ▲ 0.85% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 36-Month CD
$0
3.50% ▲ 0.85% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1347 S Ash St, Buffalo, MO 65622
36 Month Fixed
$0
3.46% ▲ 0.81% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.81% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
36 Months
$0
3.46% ▲ 0.81% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.81% above avg
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
36-month term
$0
3.44% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 months
$0
3.41% ▲ 0.76% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.76% above avg
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 36 Month Certificate
$0
3.40% ▲ 0.75% above national avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month
$0
3.40% ▲ 0.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Bump Up Certificate of Deposit
$1,000
3.40% ▲ 0.75% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA
$0
3.40% ▲ 0.75% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20 S 2nd St, Silex, MO 63377
36 Month
$0
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
36-Month IRA
$0
3.35% ▲ 0.70% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details

Missouri 48 Month CD Rates

MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week

The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months Jumbo IRA
$100,000
4.59% ▲ 1.93% above national avg
Rate4.50%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.93% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months Jumbo IRA
$100,000
4.59% ▲ 1.93% above national avg
Rate4.50%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.93% above avg
Details

Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4-year CD
$0
4.45% ▲ 1.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.79% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months
$500
4.44% ▲ 1.78% above national avg
Rate4.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.78% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months
$500
4.44% ▲ 1.78% above national avg
Rate4.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.78% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
48 Months
$500
4.42% ▲ 1.76% above national avg
Rate4.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.76% above avg
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
48 Month CD or IRA CD
$500
4.40% ▲ 1.74% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.74% above avg
Details

Interest paid quarterly

Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
100 E Locust St, Union, MO 63084
48 Month
$0
4.25% ▲ 1.59% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO 64155
48-Month CD
$1,000
4.20% ▲ 1.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.54% above avg
Details

Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$100
4.06% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$100
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$50,000
4.06% ▲ 1.40% above national avg
Rate4.00%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Dream Fund CD
$1,000
4.00% ▲ 1.34% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Dream Fund CD

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo Bump Up CD
$1,000
4.00% ▲ 1.34% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details

Jumbo Bump Up CD

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
48 Month CD
$0
3.96% ▲ 1.30% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month ADVANTAGE CD/IRA
$0
3.85% ▲ 1.19% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.75% ▲ 1.09% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month
$0
3.75% ▲ 1.09% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month Certificate
$1,000
3.75% ▲ 1.09% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
48-Month IRA
$1,000
3.75% ▲ 1.09% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 48 Month
$1,000
3.75% ▲ 1.09% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 48-Month
$1,000
3.75% ▲ 1.09% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

All rates are Annual Percentage Yields.

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month
$0
3.75% ▲ 1.09% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 4 Year
$0
3.75% ▲ 1.09% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.70% ▲ 1.04% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details

Bump Up CD

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$50,000
3.70% ▲ 1.04% above national avg
Rate3.65%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
48 Months
$1,000
3.65% ▲ 0.99% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Jumbo CD
$1,000
3.65% ▲ 0.99% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
48 month CD/IRA
$0
3.60% ▲ 0.94% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$0
3.60% ▲ 0.94% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.60% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.55% ▲ 0.89% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
48 Months
$0
3.55% ▲ 0.89% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.55% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

Holy Rosary Credit Union Kansas City, MO
Institution Rating:
B+4.8 ★Texas Ratio: 13.86%
533 Campbell St, Kansas City, MO 64106 1274
48 Month
$0
3.55% ▲ 0.89% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 48-Month CD
$0
3.55% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month CD
$1,000
3.50% ▲ 0.84% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
4 year
$0
3.50% ▲ 0.84% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.50% ▲ 0.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
4 Year
$500
3.50% ▲ 0.84% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

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

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
48 Months
$1,000
3.50% ▲ 0.84% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
4-Year CD
$500
3.50% ▲ 0.84% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 48 Month Certificate
$0
3.45% ▲ 0.79% above national avg
Rate3.41%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details

The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
117 N Main St, South West City, MO 64863
CD 48 Months
$1,000
3.45% ▲ 0.79% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
48-month term
$0
3.44% ▲ 0.78% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.78% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 months
$0
3.41% ▲ 0.75% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month
$0
3.40% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
48 Month Term
$0
3.40% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO 64086 6750
Share Certificate 48 Month Term
$0
3.40% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details

SBC Silex Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20 S 2nd St, Silex, MO 63377
48 Month
$0
3.35% ▲ 0.69% above national avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
48 MONTHS
$1,000
3.30% ▲ 0.64% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details

Missouri 60 Month CD Rates

MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week

The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5-year CD
$0
4.50% ▲ 1.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.74% above avg
Details

Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
60 Month CD or IRA CD
$500
4.45% ▲ 1.69% above national avg
Rate4.38%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.69% above avg
Details

Interest paid quarterly

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
60 Months Special
$0
4.30% ▲ 1.54% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details

Click to Open CD

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
60 Months Special CD
$0
4.30% ▲ 1.54% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details

Click to Open CD

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
60 Months Special Click to Open CD
$1,000
4.30% ▲ 1.54% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months Jumbo IRA
$100,000
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.37% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months Jumbo IRA
$100,000
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.37% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months
$500
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Once your account is established, you may not make additional deposits. We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this). Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months. This allows you to "bump-up" your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate. Rate "bump-up" allowed once during the term of the CD.

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 60 Months
$500
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
60 Month CD
$0
3.96% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
60 Months
$500
3.96% ▲ 1.20% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.20% above avg
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month ADVANTAGE CD/IRA
$0
3.91% ▲ 1.15% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.15% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$50,000
3.91% ▲ 1.15% above national avg
Rate3.85%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.15% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month Jumbo CD
$1,000
3.85% ▲ 1.09% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details

The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 N Main St, Seymour, MO 65746
60 Month CD
$0
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.04% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month Certificate
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
60-Month IRA
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit 60 Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 60-Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
60 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO 64506
Share Certificates 5 Year
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details

Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
60 Month CD
$1,000
3.70% ▲ 0.94% above national avg
Rate2.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66% ▲ 0.90% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.90% above avg
Details

Interest compounded semi-annually.

1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
60 month CD/IRA
$0
3.65% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
60-Month CD
$0
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
60 Months
$0
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.60% ▲ 0.84% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details

Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
Jumbo 60-Month CD
$50,000
3.60% ▲ 0.84% above national avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details

Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
123 N Osage Blvd, Nevada, MO 64772
60 MONTHS
$1,000
3.56% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.55% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Build a Certificate of Deposit
$0
3.55% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$1,000
3.55% ▲ 0.79% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

Holy Rosary Credit Union Kansas City, MO
Institution Rating:
B+4.8 ★Texas Ratio: 13.86%
533 Campbell St, Kansas City, MO 64106 1274
60 Month
$0
3.55% ▲ 0.79% above national avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
14567 North Outer 40 Rd, Chesterfield, MO 63017
Business 60 Month Certificate
$0
3.51% ▲ 0.75% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details

State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6969 S Lindbergh Blvd, Saint Louis, MO 63125
60 Months
$1,000
3.50% ▲ 0.74% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO 64127
5 Year
$500
3.50% ▲ 0.74% above national avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

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

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO 65802 3704
60 Month Certificate
$0
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1280 S Highway Dr, Fenton, MO 63026 1913
60 Months
$1,000
3.50% ▲ 0.74% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Bump Up Certificate of Deposit
$1,000
3.45% ▲ 0.69% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details

City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO 64057 1226
5-Year CD
$500
3.45% ▲ 0.69% above national avg
Rate3.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
60-month term
$0
3.44% ▲ 0.68% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.68% above avg
Details

Certificates of Deposit - Effective date 3/1/26 (Substantial penalty for early withdrawal)

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 months
$0
3.41% ▲ 0.65% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.65% above avg
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO 63045 1518
60 Months
$0
3.41% ▲ 0.65% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.65% above avg
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
663 W Highway 60, Monett, MO 65708 8215
60 Month
$0
3.41% ▲ 0.65% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.65% above avg
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3.5-Year Bump Rate CD
$0
3.40% ▲ 0.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4558 Osage Beach Pkwy, Osage Beach, MO 65065
60 Month CD
$1,000
3.40% ▲ 0.64% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

In Branch; $5,000 minimum opening deposit; The rates shown are only available for online accounts.

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month
$0
3.40% ▲ 0.64% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details

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

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

Top CD Rates from Missouri Institutions

Highest verified APYs available today — updated September 1, 2026

B Top 5 Bank Rates
Edward Jones Trust Company
5-year CD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.50%
Community Bank of Marshall
18 MONTHS IRA
A+ 5.0 ★ TX: 1.98%
Min: $500
4.50%
Bank of Washington
60 Month CD or IRA CD
C+ 4.1 ★ TX: 25.51%
Min: $500
4.45%
Sullivan Bank
60 Months Special
A 5.0 ★ TX: 7.14%
Min: $0
4.30%
Heritage Community Bank Union, MO
24 Month
A+ 5.0 ★ TX: 4.09%
Min: $0
4.25%
CU Top 5 Credit Union Rates
MECE Credit Union
48 Months Jumbo IRA
A+ 5.0 ★ TX: 0.48%
Min: $100,000
4.59%
CSD Credit Union
6 Month
A+ 5.0 ★ TX: 1.09%
Min: $0
4.20%
Multipli Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 0.70%
Min: $500
4.15%
R-G Federal Credit Union
IRA Term Share Accounts (Traditional & Roth 24 Months
A+ 5.0 ★ TX: 3.38%
Min: $0
4.10%
Ozark Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 1.25%
Min: $0
4.00%
Rates verified September 1, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Missouri CD Rate Trends

Compare local Missouri CD rate quotes against the statewide average

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

View Full Missouri CD Trends
12-Month CD — MO Avg
2.833%
▲ 0.089 vs 7 days ago

Missouri 12-month CD rates rose 0.089 points over the past 7 days to 2.833% APY.

6-Month CD — MO Avg
2.672%
▼ 0.014 vs 7 days ago

Missouri 6-month CD rates fell 0.014 points over the past 7 days to 2.672% APY.

As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MO CD Rate Forecast — Next 12 Months

Where are Missouri CD rates headed through September 2027?

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

MO 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%

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

Spread model: The Missouri 12-month CD average currently trades 1.54% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at MO CD Rates Today

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

CD Term MO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.964% $98.19 $196.38 $490.95 $981.90
6-Month CD 2.672% $133.62 $267.23 $668.08 $1,336.15
12-Month CD 2.833% $141.64 $283.28 $708.20 $1,416.40
18-Month CD 2.677% $133.84 $267.67 $669.18 $1,338.35
24-Month CD 2.711% $135.57 $271.14 $677.85 $1,355.70
36-Month CD 2.655% $132.75 $265.50 $663.75 $1,327.50
48-Month CD 2.657% $132.83 $265.66 $664.15 $1,328.30
60-Month CD 2.760% $138.00 $276.00 $690.00 $1,380.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026.

Sample CD Ladder for Missouri Savers

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

Build Your Ladder
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 1.964% $98.19
2 6-Month CD $5,000 2.672% $133.62
3 12-Month CD $5,000 2.833% $141.64
4 24-Month CD $5,000 2.711% $135.57
5 36-Month CD $5,000 2.655% $132.75
Total ($25,000 invested) $25,000 2.567% blended $641.77/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.

947
CD Rates
Tracked in Missouri
76 Banks 42 Credit Unions

About Our Missouri CD Rate Database

MonitorBankRates tracks 947 CD rates from 76 banks and 42 credit unions with locations in Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

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

Current top rate: MECE Credit Union offers a CD at 4.59% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Missouri.

How to Find the Best CD Rates in Missouri

What to compare when shopping for a CD in Missouri

To find the best APYs in Missouri, start with credit unions and online-only banks — Missouri has 42 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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

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

When a CD Makes Sense in Missouri

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Missouri — 118 institutions here report CD rates

Consider an Alternative If…

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

Missouri Financial Snapshot

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

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At MO 12-mo avg 2.833% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.833%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $121 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Missouri

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

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

How Certificates of Deposit Work in Missouri

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

Choosing a CD Term in Missouri

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Missouri savers easier access to their funds. For example, MECE Credit Union is offering its 6 Months Jumbo IRA at 4.23% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5-year CD at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Missouri Savers

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

How CD Interest Is Paid in Missouri

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

Fixed vs. Variable CD Rates in Missouri

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

Frequently Asked Questions about CD Rates in Missouri

Are CD rates in Missouri FDIC insured?

Yes, most established banks in Missouri are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Missouri?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Missouri.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Missouri may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Missouri?

Here are recent top rates found for this area:
  • MECE Credit Union: 4.59% APY (48 Months Jumbo IRA)
  • Edward Jones Trust Company: 4.50% APY (5-year CD)
  • Community Bank of Marshall: 4.50% APY (18 MONTHS IRA)
  • Bank of Washington: 4.45% APY (60 Month CD or IRA CD)
  • Sullivan Bank: 4.30% APY (60 Months Special)
  • Heritage Community Bank Union, MO : 4.25% APY (24 Month)
  • Citizens Bank New Haven, MO: 4.20% APY (18 Month CD)
  • Capitol Federal Savings Bank: 4.20% APY (48-Month CD)
  • CSD Credit Union: 4.20% APY (6 Month)
  • Commercial Bank Saint Louis, MO: 4.16% APY (24 Month)
Rates reflect recent verified offers available in Missouri. Last Updated: September 1, 2026

Missouri CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Missouri CD Rates by Term

Verified September 1, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Missouri. Averages shown use the Missouri state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

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

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

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

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

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 1, 2026

Missouri Rates & Resources

Cities in Missouri

  • Adrian
  • Advance
  • Agency
  • Alba
  • Albany
  • Aldrich
  • Alexandria
  • Allendale
  • Allenton
  • Alma
  • Altamont
  • Altenburg
  • Alton
  • Amazonia
  • Amity
  • Amoret
  • Amsterdam
  • Anabel
  • Anderson
  • Annada
  • Annapolis
  • Anniston
  • Appleton City
  • Arbela
  • Arbyrd
  • Arcadia
  • Archie
  • Arcola
  • Argyle
  • Armstrong
  • Arnold
  • Arrow Rock
  • Asbury
  • Ash Grove
  • Ashburn
  • Ashland
  • Atlanta
  • Augusta
  • Aurora
  • Auxvasse
  • Ava
  • Avilla
  • Bakersfield
  • Ballwin
  • Baring
  • Barnard
  • Barnett
  • Barnhart
  • Bates City
  • Beaufort
  • Belgrade
  • Bell City
  • Belle
  • Belleview
  • Bellflower
  • Belton
  • Bendavis
  • Benton
  • Benton City
  • Berger
  • Bernie
  • Bertrand
  • Bethany
  • Bethel
  • Beulah
  • Bevier
  • Billings
  • Birch Tree
  • Bismarck
  • Bixby
  • Black
  • Blackburn
  • Blackwater
  • Blackwell
  • Blairstown
  • Bland
  • Blodgett
  • Bloomfield
  • Bloomsdale
  • Blue Eye
  • Blue Mound
  • Blue Springs
  • Blythedale
  • Bogard
  • Bois D Arc
  • Bolckow
  • Bolivar
  • Bonne Terre
  • Bonnots Mill
  • Boonville
  • Boss
  • Bosworth
  • Bourbon
  • Bowling Green
  • Bradleyville
  • Bragg City
  • Braggadocio
  • Brandsville
  • Branson
  • Brashear
  • Braymer
  • Brazeau
  • Breckenridge
  • Briar
  • Bridgeton
  • Brighton
  • Brinktown
  • Brixey
  • Bronaugh
  • Brookfield
  • Brookline Station
  • Broseley
  • Browning
  • Brownwood
  • Brumley
  • Bruner
  • Brunswick
  • Bucklin
  • Buckner
  • Bucyrus
  • Buffalo
  • Bunceton
  • Bunker
  • Burfordville
  • Burlington Junction
  • Butler
  • Butterfield
  • Cabool
  • Cadet
  • Cainsville
  • Cairo
  • Caledonia
  • Calhoun
  • California
  • Callao
  • Camden
  • Camden Point
  • Camdenton
  • Cameron
  • Campbell
  • Canalou
  • Canton
  • Cape Fair
  • Cape Girardeau
  • Caplinger Mills
  • Cardwell
  • Carl Junction
  • Carrollton
  • Carterville
  • Carthage
  • Caruthersville
  • Cascade
  • Cassville
  • Catawissa
  • Catron
  • Caulfield
  • Cedar City
  • Cedar Hill
  • Cedarcreek
  • Center
  • Centertown
  • Centerview
  • Centerville
  • Centralia
  • Chadwick
  • Chaffee
  • Chamois
  • Charleston
  • Cherryville
  • Chesterfield
  • Chestnutridge
  • Chilhowee
  • Chillicothe
  • Chula
  • Clarence
  • Clark
  • Clarksburg
  • Clarksdale
  • Clarksville
  • Clarkton
  • Clay
  • Clearmont
  • Cleveland
  • Clever
  • Clifton Hill
  • Climax Springs
  • Clinton
  • Clubb
  • Clyde
  • Coatsville
  • Coffey
  • Cole Camp
  • Collins
  • Columbia
  • Commerce
  • Conception
  • Conception Junction
  • Concordia
  • Conran
  • Conway
  • Cook Station
  • Cooter
  • Corder
  • Cosby
  • Cottleville
  • Couch
  • Cowgill
  • Craig
  • Crane
  • Creighton
  • Crocker
  • Cross Timbers
  • Crystal City
  • Cuba
  • Curryville
  • Dadeville
  • Daisy
  • Dalton
  • Darlington
  • Davisville
  • Dawn
  • De Kalb
  • De Soto
  • De Witt
  • Dearborn
  • Deepwater
  • Deerfield
  • Deering
  • Defiance
  • Delta
  • Denver
  • Des Arc
  • Devils Elbow
  • Dexter
  • Diamond
  • Diggins
  • Dittmer
  • Dixon
  • Doe Run
  • Doniphan
  • Dora
  • Dover
  • Downing
  • Drexel
  • Drury
  • Dudley
  • Duenweg
  • Duke
  • Dunnegan
  • Durham
  • Dutchtown
  • Dutzow
  • Eagle Rock
  • Eagleville
  • Earth City
  • East Lynne
  • East Prairie
  • Easton
  • Edgar Springs
  • Edgerton
  • Edina
  • Edwards
  • El Dorado Springs
  • Eldon
  • Eldridge
  • Elk Creek
  • Elkland
  • Ellington
  • Ellsinore
  • Elmer
  • Elmo
  • Elsberry
  • Emden
  • Eminence
  • Emma
  • Eolia
  • Essex
  • Ethel
  • Etterville
  • Eudora
  • Eugene
  • Eunice
  • Eureka
  • Everton
  • Ewing
  • Excello
  • Excelsior Springs
  • Exeter
  • Fagus
  • Fair Grove
  • Fair Play
  • Fairdealing
  • Fairfax
  • Fairport
  • Fairview
  • Falcon
  • Farber
  • Farley
  • Farmington
  • Farrar
  • Faucett
  • Fayette
  • Fenton
  • Festus
  • Fillmore
  • Fisk
  • Flemington
  • Fletcher
  • Flinthill
  • Florence
  • Florissant
  • Foley
  • Fordland
  • Forest City
  • Foristell
  • Forsyth
  • Fort Leonard Wood
  • Fortuna
  • Foster
  • Frankford
  • Franklin
  • Fredericktown
  • Freeburg
  • Freeman
  • Freistatt
  • Fremont
  • French Village
  • Friedheim
  • Frohna
  • Fulton
  • Gainesville
  • Galena
  • Gallatin
  • Galt
  • Garden City
  • Garrison
  • Gasconade
  • Gatewood
  • Gentry
  • Gerald
  • Gibbs
  • Gibson
  • Gideon
  • Gilliam
  • Gilman City
  • Gipsy
  • Glasgow
  • Glenallen
  • Glencoe
  • Glenwood
  • Glover
  • Gobler
  • Golden
  • Golden City
  • Goodman
  • Goodson
  • Gordonville
  • Gorin
  • Gower
  • Graff
  • Graham
  • Grain Valley
  • Granby
  • Grandin
  • Grandview
  • Granger
  • Grant City
  • Grassy
  • Gravois Mills
  • Gray Summit
  • Grayridge
  • Green Castle
  • Green City
  • Green Ridge
  • Greenfield
  • Greentop
  • Greenville
  • Greenwood
  • Grover
  • Grovespring
  • Grubville
  • Guilford
  • Hale
  • Half Way
  • Hallsville
  • Halltown
  • Hamilton
  • Hannibal
  • Hardenville
  • Hardin
  • Harris
  • Harrisburg
  • Harrisonville
  • Hartsburg
  • Hartshorn
  • Hartville
  • Harviell
  • Harwood
  • Hatfield
  • Hawk Point
  • Hayti
  • Hazelwood
  • Helena
  • Hematite
  • Henley
  • Henrietta
  • Herculaneum
  • Hermann
  • Hermitage
  • Higbee
  • Higginsville
  • High Hill
  • High Point
  • High Ridge
  • Highlandville
  • Hillsboro
  • Hiram
  • Holcomb
  • Holden
  • Holland
  • Holliday
  • Hollister
  • Holt
  • Holts Summit
  • Hopkins
  • Hornersville
  • Horton
  • House Springs
  • Houston
  • Houstonia
  • Huggins
  • Hughesville
  • Humansville
  • Hume
  • Humphreys
  • Hunnewell
  • Huntsville
  • Hurdland
  • Hurley
  • Iberia
  • Imperial
  • Independence
  • Ionia
  • Irondale
  • Ironton
  • Isabella
  • Jackson
  • Jacksonville
  • Jadwin
  • Jameson
  • Jamesport
  • Jamestown
  • Jasper
  • Jefferson City
  • Jerico Springs
  • Jerome
  • Jonesburg
  • Joplin
  • Kahoka
  • Kaiser
  • Kansas City
  • Kearney
  • Kelso
  • Kennett
  • Kewanee
  • Keytesville
  • Kidder
  • Kimberling City
  • Kimmswick
  • King City
  • Kingdom City
  • Kingston
  • Kingsville
  • Kirbyville
  • Kirksville
  • Kissee Mills
  • Knob Lick
  • Knob Noster
  • Knox City
  • Koeltztown
  • Koshkonong
  • La Belle
  • La Grange
  • La Monte
  • La Plata
  • La Russell
  • Labadie
  • Laclede
  • Laddonia
  • Lake Ozark
  • Lake Saint Louis
  • Lake Spring
  • Lamar
  • Lampe
  • Lanagan
  • Lancaster
  • Laquey
  • Laredo
  • Latham
  • Lathrop
  • Laurie
  • Lawson
  • Leadwood
  • Leasburg
  • Lebanon
  • Lecoma
  • Lee's Summit
  • Leeton
  • Lenox
  • Lentner
  • Leonard
  • Leopold
  • Leslie
  • Lesterville
  • Levasy
  • Lewistown
  • Lexington
  • Liberal
  • Liberty
  • Licking
  • Liguori
  • Lilbourn
  • Lincoln
  • Linn
  • Linn Creek
  • Linneus
  • Livonia
  • Lock Springs
  • Lockwood
  • Lodi
  • Lohman
  • Lone Jack
  • Lonedell
  • Long Lane
  • Loose Creek
  • Louisburg
  • Louisiana
  • Lowndes
  • Lowry City
  • Lucerne
  • Ludlow
  • Luebbering
  • Luray
  • Lynchburg
  • Macks Creek
  • Macomb
  • Macon
  • Madison
  • Maitland
  • Malden
  • Malta Bend
  • Mansfield
  • Mapaville
  • Marble Hill
  • Marceline
  • Marionville
  • Marquand
  • Marshall
  • Marshfield
  • Marston
  • Marthasville
  • Martinsburg
  • Martinsville
  • Maryland Heights
  • Maryville
  • Matthews
  • Maysville
  • Mayview
  • Maywood
  • McBride
  • McClurg
  • McFall
  • McGee
  • McGirk
  • Meadville
  • Memphis
  • Mendon
  • Mercer
  • Meta
  • Metz
  • Mexico
  • Miami
  • Mid Missouri
  • Middle Brook
  • Middletown
  • Milan
  • Milford
  • Mill Spring
  • Miller
  • Millersville
  • Milo
  • Mindenmines
  • Mineral Point
  • Missouri City
  • Moberly
  • Mokane
  • Monett
  • Monroe City
  • Montgomery City
  • Monticello
  • Montier
  • Montreal
  • Montrose
  • Moody
  • Mooresville
  • Mora
  • Morehouse
  • Morley
  • Morris
  • Morrison
  • Morrisville
  • Morse Mill
  • Mosby
  • Moscow Mills
  • Mound City
  • Moundville
  • Mount Moriah
  • Mount Sterling
  • Mount Vernon
  • Mountain Grove
  • Mountain View
  • Myrtle
  • Napoleon
  • Naylor
  • Neck City
  • Neelyville
  • Nelson
  • Neosho
  • Nevada
  • New Bloomfield
  • New Boston
  • New Cambria
  • New Florence
  • New Franklin
  • New Hampton
  • New Haven
  • New London
  • New Madrid
  • New Melle
  • New Offenburg
  • Newark
  • Newburg
  • Newtonia
  • Newtown
  • Niangua
  • Nixa
  • Noble
  • Noel
  • Norborne
  • Norwood
  • Novelty
  • Novinger
  • O Fallon
  • Oak Grove
  • Oak Ridge
  • Odessa
  • Old Appleton
  • Old Monroe
  • Oldfield
  • Olean
  • Olney
  • Oran
  • Oregon
  • Oronogo
  • Orrick
  • Osage Beach
  • Osborn
  • Osceola
  • Otterville
  • Owensville
  • Oxly
  • Ozark
  • Pacific
  • Painton
  • Palmyra
  • Paris
  • Park Hills
  • Parma
  • Parnell
  • Pascola
  • Passaic
  • Patterson
  • Patton
  • Pattonsburg
  • Paynesville
  • Peace Valley
  • Peculiar
  • Perkins
  • Perry
  • Perryville
  • Pevely
  • Philadelphia
  • Phillipsburg
  • Pickering
  • Piedmont
  • Pierce City
  • Pilot Grove
  • Pilot Knob
  • Pineville
  • Pittsburg
  • Plato
  • Platte City
  • Plattsburg
  • Pleasant Hill
  • Pleasant Hope
  • Plevna
  • Pocahontas
  • Point Lookout
  • Polk
  • Pollock
  • Polo
  • Pomona
  • Ponce De Leon
  • Pontiac
  • Poplar Bluff
  • Portage Des Sioux
  • Portageville
  • Portland
  • Potosi
  • Pottersville
  • Powell
  • Powersite
  • Powersville
  • Prairie Home
  • Preston
  • Princeton
  • Purcell
  • Purdin
  • Purdy
  • Puxico
  • Queen City
  • Quincy
  • Quitman
  • Qulin
  • Racine
  • Ravenwood
  • Raymondville
  • Raymore
  • Rayville
  • Rea
  • Redford
  • Reeds
  • Reeds Spring
  • Renick
  • Republic
  • Revere
  • Reynolds
  • Rhineland
  • Rich Hill
  • Richards
  • Richland
  • Richmond
  • Richwoods
  • Ridgedale
  • Ridgeway
  • Risco
  • Riverside
  • Rives
  • Roach
  • Robertsville
  • Roby
  • Rocheport
  • Rock Port
  • Rockaway Beach
  • Rockbridge
  • Rockville
  • Rocky Comfort
  • Rocky Mount
  • Rogersville
  • Rolla
  • Rombauer
  • Roscoe
  • Rosebud
  • Rosendale
  • Rothville
  • Rueter
  • Rush Hill
  • Rushville
  • Russellville
  • Rutledge
  • Saginaw
  • Saint Albans
  • Saint Ann
  • Saint Charles
  • Saint Clair
  • Saint Elizabeth
  • Saint James
  • Saint Joseph
  • Saint Louis
  • Saint Mary
  • Saint Patrick
  • Saint Peters
  • Saint Thomas
  • Sainte Genevieve
  • Salem
  • Salisbury
  • Santa Fe
  • Sarcoxie
  • Savannah
  • Saverton
  • Schell City
  • Scott City
  • Sedalia
  • Sedgewickville
  • Seligman
  • Senath
  • Seneca
  • Seymour
  • Shelbina
  • Shelbyville
  • Sheldon
  • Shell Knob
  • Sheridan
  • Shook
  • Sibley
  • Sikeston
  • Silex
  • Silva
  • Skidmore
  • Slater
  • Smithton
  • Smithville
  • Solo
  • South Fork
  • South Greenfield
  • South West City
  • Sparta
  • Spickard
  • Spokane
  • Springfield
  • Squires
  • St. Robert
  • Stanberry
  • Stanton
  • Stark City
  • Steedman
  • Steele
  • Steelville
  • Stella
  • Stet
  • Stewartsville
  • Stockton
  • Stotts City
  • Stoutland
  • Stoutsville
  • Stover
  • Strafford
  • Strasburg
  • Sturdivant
  • Sturgeon
  • Success
  • Sullivan
  • Summersville
  • Sumner
  • Sunrise Beach
  • Swedeborg
  • Sweet Springs
  • Syracuse
  • Tallapoosa
  • Taneyville
  • Tarkio
  • Taylor
  • Tebbetts
  • Tecumseh
  • Teresita
  • Thayer
  • Thompson
  • Thornfield
  • Tiff
  • Tiff City
  • Tina
  • Tipton
  • Treloar
  • Trenton
  • Trimble
  • Triplett
  • Troy
  • Truxton
  • Tunas
  • Turners
  • Turney
  • Tuscumbia
  • Udall
  • Ulman
  • Union
  • Union Star
  • Uniontown
  • Unionville
  • Urbana
  • Urich
  • Utica
  • Valles Mines
  • Valley Park
  • Van Buren
  • Vandalia
  • Vanduser
  • Vanzant
  • Verona
  • Versailles
  • Viburnum
  • Vichy
  • Vienna
  • Villa Ridge
  • Vista
  • Vulcan
  • Waco
  • Wakenda
  • Waldron
  • Walker
  • Walnut Grove
  • Walnut Shade
  • Wappapello
  • Wardell
  • Warrensburg
  • Warrenton
  • Warsaw
  • Washburn
  • Washington
  • Wasola
  • Watson
  • Waverly
  • Wayland
  • Waynesville
  • Weatherby
  • Weaubleau
  • Webb City
  • Wellington
  • Wellsville
  • Wentworth
  • Wentzville
  • Wesco
  • West Alton
  • West Plains
  • Westboro
  • Weston
  • Westphalia
  • Wheatland
  • Wheaton
  • Wheeling
  • Whiteoak
  • Whiteside
  • Whitewater
  • Willard
  • Williamsburg
  • Williamstown
  • Williamsville
  • Willow Springs
  • Windsor
  • Windyville
  • Winfield
  • Winigan
  • Winona
  • Winston
  • Wolf Island
  • Wooldridge
  • Worth
  • Worthington
  • Wright City
  • Wyaconda
  • Wyatt
  • Yukon
  • Zalma
  • Zanoni