Portage Des Sioux, Missouri Best CD Rates November 2026
Brian McKay
Brian McKay
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Portage Des Sioux, Missouri CD rates from banks and credit unions serving Missouri range from 0.75% to 10.00% APY, verified by MonitorBankRates as of November 8, 2026. Current Portage Des Sioux, Missouri CD rates include Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +6.30%APY minus CPIRate verified Nov 8, 2026 offering 6 Month Teen CD at 10.00% APY, Southeast Missouri Community Credit UnionSoutheast Missouri Community Credit UnionA+5.0 ★Texas Ratio: 1.03%Real return: +2.44%APY minus CPIRate verified Nov 3, 2026 offering Certificate of Deposit - 12 Month Youth at 6.14% APY, De Soto Mo Pac Credit UnionDe Soto Mo Pac Credit UnionA5.0 ★Texas Ratio: 8.77%Real return: +1.39%APY minus CPIRate verified Nov 8, 2026 offering 1 Year Certificate of Deposit at 5.09% APY, National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +1.32%APY minus CPIRate verified Nov 7, 2026 offering 36-Month RIA at 5.02% APY, and MECE Credit UnionMECE Credit UnionA+5.0 ★Texas Ratio: 0.67%Real return: +1.31%APY minus CPIRate verified Nov 3, 2026 offering IRA & HSA Certificate - 48 Months Jumbo IRA at 5.01% APY. CD rates as of November 8, 2026 according to verified data from MonitorBankRates.
Portage Des Sioux is a smaller community with no bank or credit union branches currently in our database. 775 institutions serving the Missouri area are available to Portage Des Sioux residents, with CD rates as high as 10.00% APY from Century Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 8, 2026
Compare Best CD Rates in Portage Des Sioux, Missouri & the Surrounding Area
Portage Des Sioux 3 Month CD Rates
Dividend Rate (DR) 4.329%; Annual Percentage Yield (APY) 4.400%
- Nov 7, 20264.40%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Early Withdrawal Penalty (EWD): 2%; Rates as of 11/02/2026; CDs must be opened at a PSB Bank office
- Nov 5, 20264.33%▲ from 0.50%
- Sep 7, 20260.50%first recorded
Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.
APY effective 11/05/2026; APY interest cannot remain on deposit; periodic payout of interest is required
- Oct 21, 20264.20%▲ from 4.10%
- Sep 19, 20264.10%first recorded
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
- Oct 22, 20264.06%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Compounding: At maturity; Availability: Open Online
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Minimum balance $500.
Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Also available as IRA CD; Interest paid at term or maturity of CD
- Oct 19, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20263.75%▲ from 3.65%
- Oct 21, 20263.65%first recorded
Portage Des Sioux 6 Month CD Rates
$1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%
Balance: $5,000 and over
FEATURED RATE
- Oct 23, 20264.75%▲ from 3.75%
- Sep 30, 20263.75%first recorded
FEATURED RATE; Penalties may apply for early withdrawals.
Effective date 10/1/26
APY effective 11/05/2026; APY interest cannot remain on deposit; periodic payout of interest is required
- Nov 6, 20264.40%▲ from 4.35%
- Oct 21, 20264.35%▲ from 4.20%
- Sep 19, 20264.20%first recorded
Dividend Rate (DR) 4.329%; Annual Percentage Yield (APY) 4.400%
- Nov 7, 20264.40%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Rates as of 10/15/2026
Rates effective as of 10/9/2026
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal
Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD
- Oct 22, 20264.14%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Certificate/IRA Dividend Rates effective November 3rd 2026; 90-day early withdrawal penalty
- Nov 8, 20264.14%▲ from 4.07%
- Oct 13, 20264.07%first recorded
Featured rate; $1,000 minimum balance required to open an account and obtain the APY; APY accurate as of 10/22/2026; penalty may be imposed for early withdrawal; fees could reduce earnings
- Sep 19, 20264.10%▲ from 3.85%
- Sep 7, 20263.85%first recorded
Special rate; penalty for early withdrawal applies; rates effective for a limited time only
Portage Des Sioux 12 Month CD Rates
Youth certificate; $1000.00 Maximum; Certificates of Deposit as of 04/29/2026
$5,000.00 minimum, $100,000.00 maximum for each certificate; 90 penalty for early withdrawal; 10 day grace period at end of contract; Dividends are paid quarterly and deposited to certificate
Effective date 10/1/26
CD Special; Online only; Interest rate 4.59%, APY 4.70%; CD base interest rate guaranteed for the term; Early withdrawal penalty may apply
APY effective 11/05/2026; APY interest cannot remain on deposit; periodic payout of interest is required
- Oct 26, 20264.65%▲ from 4.60%
- Oct 21, 20264.60%▲ from 4.30%
- Sep 19, 20264.30%first recorded
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Interest credited every 3 months; FDIC insured; Account maximum $1,000,000
- Oct 26, 20264.51%▲ from 4.25%
- Oct 6, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Featured rate; 30-day penalty may apply for early withdrawal; available online only
- Oct 20, 20264.50%▲ from 4.35%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Special rate applies to new money only; funds already on deposit with Paramount Bank may not be eligible; Quarterly Post or Interest Checks; interest checks reduce APY
- Oct 23, 20264.50%▲ from 3.50%
- Oct 15, 20263.50%▼ from 4.50%
- Oct 14, 20264.50%▲ from 3.50%
- Sep 30, 20263.50%first recorded
Penalties may apply for early withdrawals.
Dividend Rate (DR) 4.329%; Annual Percentage Yield (APY) 4.400%
- Nov 7, 20264.40%▲ from 3.35%
- Sep 12, 20263.35%first recorded
Rates effective as of 10/9/2026
Youth account; Rates effective as of 10/9/2026
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Portage Des Sioux 18 Month CD Rates
See Fair Special options; second rate column under Preferred Rate with any checking account heading; for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00
- Oct 26, 20265.00%▲ from 4.90%
- Oct 21, 20264.90%first recorded
See Fair Special options; Preferred Rate with any checking account (first rate column); for youth with a Missouri Fair ribbon or sash, age 22 or younger; APY* minimum balance $500.00
Compounding: Quarterly; Availability: Open Online
Compounds Semi-Annually
30-day penalty may apply for early withdrawal; available online only
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
- Oct 19, 20264.37%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Compounds Semi-Annually
Interest credited every 3 months; FDIC insured; Account maximum $1,000,000
- Oct 6, 20264.35%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Certificate of Deposit Special; Balance: $50,000.00 or over; Rate accurate as of 10/07/2026
- Oct 19, 20264.32%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Rates effective as of 10/20/2026
Balance: $5,000 and over
Portage Des Sioux 24 Month CD Rates
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Regular minimum balance $500.00; IRA minimum balance $500.00
- Oct 29, 20264.75%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Effective date 10/1/26
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
- Nov 5, 20264.50%▲ from 4.35%
- Oct 14, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
- Oct 19, 20264.42%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.40%▲ from 3.97%
- Oct 21, 20263.97%first recorded
Dividend Rate (DR) 4.329%; Annual Percentage Yield (APY) 4.400%
- Nov 7, 20264.40%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Term: 24 months to 35 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
- Oct 19, 20264.37%▲ from 4.25%
- Sep 14, 20264.25%first recorded
30-day penalty may apply for early withdrawal; available online only
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Rates as of 10/15/2026
Balance: $50,000.00 or over; Rate accurate as of 10/01/2026
- Oct 3, 20264.32%▲ from 3.29%
- Sep 7, 20263.29%first recorded
Interest credited every 3 months; FDIC insured; Account maximum $1,000,000
- Oct 6, 20264.30%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Portage Des Sioux 36 Month CD Rates
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Special rate; Open account
Regular minimum balance $500.00; IRA minimum balance $500.00
- Oct 29, 20264.70%▲ from 3.75%
- Oct 9, 20263.75%first recorded
Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.60%▲ from 3.44%
- Oct 21, 20263.44%first recorded
Effective date 10/1/26
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Preferred Rate with any checking account (first rate column); APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.50%▲ from 3.44%
- Oct 21, 20263.44%first recorded
Term: 36 months to 47 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
- Oct 19, 20264.47%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Current CD Rate Promotion; Annual Percentage Yield accurate as of 10/13/2026
Term: 36 months to 47 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
- Oct 19, 20264.37%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Portage Des Sioux 48 Month CD Rates
- Oct 19, 20264.99%▲ from 4.55%
- Sep 14, 20264.55%first recorded
- Oct 19, 20264.94%▲ from 4.50%
- Sep 14, 20264.50%first recorded
- Oct 19, 20264.84%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Term: 48 months to 59 months; Balance: $100,000.00 and over; Rates as of September 18, 2026
Effective date 10/1/26
- Nov 6, 20264.58%▲ from 4.42%
- Oct 21, 20264.42%▲ from 4.32%
- Sep 11, 20264.32%first recorded
Term: 48 months to 59 months; Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Also available as IRA CD; Interest paid quarterly
Open online or at any CapFed branch; $1,000 minimum balance to open and earn APY; interest compounded daily and paid quarterly
Early withdrawal penalties apply
Rates effective as of 10/9/2026
- Nov 6, 20264.22%▲ from 4.06%
- Sep 11, 20264.06%first recorded
IRA certificate; $100 minimum to open and obtain APY; Interest compounded daily
- Oct 26, 20264.19%▲ from 3.20%
- Oct 14, 20263.20%first recorded
Portage Des Sioux 60 Month CD Rates
Balance: $100,000.00 and over; Rates as of September 18, 2026
- Oct 19, 20264.68%▲ from 4.45%
- Sep 14, 20264.45%first recorded
- Oct 19, 20264.63%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Balance: $10,000.00 to $99,999.99; Rates as of September 18, 2026
Effective date 10/1/26
- Oct 19, 20264.52%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Also available as IRA CD; Interest paid quarterly
Second rate column under Preferred Rate with any checking account heading; APY* minimum balance to open and obtain APY $500.00
- Oct 26, 20264.45%▲ from 4.34%
- Oct 21, 20264.34%first recorded
Preferred Rate with any checking account (first rate column); APY* minimum balance to open and obtain APY $500.00
Special CD; Click to Open CD; Available as IRA in Branch; APY accurate as of May 19, 2026; interest compounded and credited quarterly; penalty may be imposed for early withdrawal
Featured rate; $1,000 minimum balance to open and earn APY; interest compounded daily and paid quarterly; may be subject to early withdrawal penalty
Partial withdrawals allowed; APY as of 10/20/2026
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Portage Des Sioux, MO CD Rate Trends
Compare local Portage Des Sioux, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Missouri 12-month CD rates rose 0.035 points over the past 7 days to 3.142% APY.
Missouri 6-month CD rates rose 0.026 points over the past 7 days to 2.912% APY.
MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.911% | $95.54 | $191.07 | $477.67 | $955.35 |
| 6-Month CD | 2.912% | $145.62 | $291.24 | $728.10 | $1,456.20 |
| 12-Month CD | 3.142% | $157.08 | $314.16 | $785.40 | $1,570.80 |
| 18-Month CD | 2.896% | $144.81 | $289.61 | $724.03 | $1,448.05 |
| 24-Month CD | 2.964% | $148.18 | $296.36 | $740.90 | $1,481.80 |
| 36-Month CD | 2.768% | $138.38 | $276.75 | $691.88 | $1,383.75 |
| 48-Month CD | 2.805% | $140.25 | $280.49 | $701.23 | $1,402.45 |
| 60-Month CD | 2.879% | $143.95 | $287.90 | $719.75 | $1,439.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 8, 2026. | |||||
Sample CD Ladder for Portage Des Sioux, Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.911% | $95.54 |
| 2 | 6-Month CD | $5,000 | 2.912% | $145.62 |
| 3 | 12-Month CD | $5,000 | 3.142% | $157.08 |
| 4 | 24-Month CD | $5,000 | 2.964% | $148.18 |
| 5 | 36-Month CD | $5,000 | 2.768% | $138.38 |
| Total ($25,000 invested) | $25,000 | 2.739% blended | $684.80/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.
Tracked in Portage Des Sioux, Missouri
About Our Portage Des Sioux, Missouri CD Rate Database
MonitorBankRates tracks 1,527 CD rates from 88 banks and 57 credit unions with locations in Portage Des Sioux, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Century Credit Union offers a CD at 10.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Portage Des Sioux, Missouri.
How to Find the Best CD Rates in Portage Des Sioux, Missouri
What to compare when shopping for a CD in Portage Des Sioux, Missouri
To find the best APYs in Portage Des Sioux, Missouri, start with credit unions and online-only banks: Portage Des Sioux, Missouri has 57 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 Portage Des Sioux, 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 Portage Des Sioux, Missouri: 145 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Portage Des Sioux, 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 Portage Des Sioux, Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.142%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $134 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 Portage Des Sioux, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
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 Portage Des Sioux, 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 Portage Des Sioux, Missouri as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Portage Des Sioux, Missouri savers easier access to their funds. For example, Century Credit Union is offering its 6 Month Teen CD at 10.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Putnam County State Bank is offering its 60 Month Certificate of Deposit at 4.70% 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
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 Portage Des Sioux, 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
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 Portage Des Sioux, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Portage Des Sioux, 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 Portage Des Sioux, Missouri
What are CD rates in Portage Des Sioux, Missouri today?
Are CD rates in Portage Des Sioux, Missouri FDIC insured?
Do I have to pay state taxes on CD interest in Portage Des Sioux, Missouri?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Portage Des Sioux, Missouri?
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- Southeast Missouri Community Credit Union: 6.14% APY (Certificate of Deposit - 12 Month Youth)
- De Soto Mo Pac Credit Union: 5.09% APY (1 Year Certificate of Deposit)
- National Police Federal Credit Union: 5.02% APY (36-Month RIA)
- MECE Credit Union: 5.01% APY (IRA & HSA Certificate - 48 Months Jumbo IRA)
- Bank of Franklin County: 5.00% APY (18 Month YOUTH Fair CD Special)
- Great Rivers Bank: 5.00% APY (Certificate of Deposit - 6 Month Special Limited Time)
- Members 1st Credit Union Saint Louis, MO: 4.84% APY (75th Anniversary Certificates of Deposit 12 Month)
- Service 1 Federal Credit Union: 4.75% APY (6 Month Share Certificates)
- Postal and Community Credit Union: 4.75% APY (Share Certificate - 2 Year)
Portage Des Sioux, 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 Portage Des Sioux, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Portage Des Sioux, Missouri
At today’s MO top rate of 10.00% APY, a $10,000 deposit earns $1,000 in the first year. Enter your amount to see your exact return.
Portage Des Sioux, Missouri CD LadderMO CD rates currently range from 1.911% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Portage Des Sioux, Missouri CD at 10.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 3.142% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Portage Des Sioux, 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 Portage Des Sioux, 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 Portage Des Sioux, 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.
Portage Des Sioux, Missouri Rates & Resources
