Saint Louis, Missouri Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Saint Louis, Missouri CD rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Saint Louis, Missouri CD rates include Century Credit UnionCentury Credit Union1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405A+5.0 ★Texas Ratio: 1.27%Real return: +7.20%APY minus CPI (February 2026) offering 6 Month Teen CD at 10.00% APY, Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +2.40%APY minus CPI (February 2026) offering 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY, National Police Federal Credit UnionNational Police Federal Credit Union106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200A+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, Members 1st Credit Union Saint Louis, MOMembers 1st Credit Union Saint Louis, MO4702 Mattis Rd, Saint Louis, MO 63128A+5.0 ★Texas Ratio: 1.59%Real return: +1.78%APY minus CPI (February 2026) offering 24 Month 75th Anniversary Certificates of Deposit at 4.58% APY, and Banterra BankBanterra Bank9900 Clayton Rd, Saint Louis, MO 63124A4.7 ★Texas Ratio: 4.32%Real return: +1.60%APY minus CPI (February 2026) offering 36-Month CD at 4.40% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Saint Louis has 395 local institutions in our database, with CD rates as high as 10.00% APY from Century Credit Union at 1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Saint Louis, Missouri & the Surrounding Area
Saint Louis 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Month FDIC-Insured Certificate of Deposit
$0
4.15%
▲ 2.21% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 2.21% above avgNationally 2.09%
Details
Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
- Oct 3, 20264.15%▼ from 4.20%
- Sep 27, 20264.20%▲ from 4.10%
- Sep 24, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 3 Months
$500
4.08%
▲ 2.14% above Missouri avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.14% above avgNationally 2.09%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
2 S Broadway, Saint Louis, MO 63102
3-Month Time Deposit Account
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Month Performance CDs
$0
3.60%
▲ 1.66% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
3 Month Business Share Certificate
$500
3.60%
▲ 1.66% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
3 Month Share Certificate
$500
3.60%
▲ 1.66% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.66% above avgNationally 2.09%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
366 S Kirkwood Rd, Saint Louis, MO 63122
3-Month CD
$1,000
3.40%
▲ 1.46% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3803 Union Rd, Saint Louis, MO 63125
3 Month Certificate of Deposit
$1,000
3.25%
▲ 1.31% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.31% above avgNationally 2.09%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
3 Month Share Certificate
$0
2.95%
▲ 1.01% above Missouri avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average1.94%▲ 1.01% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Month Business CDs
$0
2.45%
▲ 0.51% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 0.51% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 3 Months
$1,000
2.15%
▲ 0.21% above Missouri avg
▼
Rate2.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.21% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 3 months
$5,000
2.02%
▲ 0.08% above Missouri avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.08% above avgNationally 2.09%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
3-Month CD
$0
2.00%
▲ 0.06% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 0.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
3 Month Certificates of Deposit
$1,000
2.00%
▲ 0.06% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 0.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 3-Month CD
$1,000
1.00%
▼ 0.94% below Missouri avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 0.94% below avgNationally 2.09%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 1.00% APY · checked 8 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 3 month
$250
1.00%
▼ 0.94% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▼ 0.94% below avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 1.00% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 3 month
$0
1.00%
▼ 0.94% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▼ 0.94% below avgNationally 2.09%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 1.00% APY
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
14 - 90 Day Certificate of Deposit
$1,000
0.50%
▼ 1.44% below Missouri avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▼ 1.44% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 14 - 90 Days
$1,000
0.50%
▼ 1.44% below Missouri avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▼ 1.44% below avgNationally 2.09%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 8 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 3 Months
$1,000
0.30%
▼ 1.64% below Missouri avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.64% below avgNationally 2.09%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 8 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 3 Month
$1,000
0.21%
▼ 1.73% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.73% below avgNationally 2.09%
Details
Compound APY: 0.21%; Automatic Renewal Term: 3 Month
Rate History
No change since Sep 24, 2026 · 0.21% APY · checked 6 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.88% below Missouri avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.88% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.89% below Missouri avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.89% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.89% below Missouri avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.89% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
3 Month Standard CD
$1,000
0.05%
▼ 1.89% below Missouri avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.89% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
3 Month Certificate of Deposit
$0
0.03%
▼ 1.91% below Missouri avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.91% below avgNationally 2.09%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
3 Month Certificate of Deposit
$0
0.02%
▼ 1.92% below Missouri avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.92% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
3 Month Certificate of Deposit
$0
0.01%
▼ 1.93% below Missouri avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▼ 1.93% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 Month
$0
4.06%
▲ 2.12% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 2.12% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3-Month CD
$0
4.05%
▲ 2.11% above Missouri avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.11% above avgNationally 2.09%
Details
Compounding: At maturity; Availability: Open Online
Rate History
No change since Oct 14, 2026 · 4.05% APY
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months Jumbo IRA
$100,000
4.02%
▲ 2.08% above Missouri avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.08% above avgNationally 2.09%
Details
Rate History
No change since Oct 10, 2026 · 4.02% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months Jumbo+
$100,000
4.01%
▲ 2.07% above Missouri avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.07% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 4.01% APY
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 2.06% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.06% above avgNationally 2.09%
Details
Interest credited At Maturity; FDIC insured: Yes; Account maximum $500,000
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months Jumbo
$10,000
3.96%
▲ 2.02% above Missouri avg
▼
Rate3.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 2.02% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.96% APY
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
3-Month CD
$0
3.90%
▲ 1.96% above Missouri avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.96% above avgNationally 2.09%
Details
Minimum balance $500.
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months
$500
3.87%
▲ 1.93% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.93% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 10, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Interest paid at term or maturity of CD
Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 9 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 10, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 3 Months
$500
3.85%
▲ 1.91% above Missouri avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average1.94%▲ 1.91% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 10, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate
$0
3.75%
▲ 1.81% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 3 Month
$0
3.75%
▲ 1.81% above Missouri avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.81% above avgNationally 2.09%
Details
Regular minimum balance: $500.00; IRA minimum balance: $500.00
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
90 Day CD Special
$0
3.65%
▲ 1.71% above Missouri avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details
Preferred Rate with any checking account; Rate: 3.70%, APY: 3.75%
Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 7 times
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day CD
$1,000
3.65%
▲ 1.71% above Missouri avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.71% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
$0
3.61%
▲ 1.67% above Missouri avg
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.67% above avgNationally 2.09%
Details
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
- Oct 7, 20263.61%▲ from 3.51%
- Sep 11, 20263.51%first recorded
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
3 Month IRA CD
$0
3.55%
▲ 1.61% above Missouri avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.94%▲ 1.61% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month CD
$1,000
3.40%
▲ 1.46% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.46% above avgNationally 2.09%
Details
APY* (In Branch)
Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 7 times
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month CD/IRA
$0
3.35%
▲ 1.41% above Missouri avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.41% above avgNationally 2.09%
Details
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 7, 20263.35%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 3 Months
$500
3.19%
▲ 1.25% above Missouri avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.25% above avgNationally 2.09%
Details
Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty
Rate History
No change since Oct 13, 2026 · 3.19% APY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 3 Month
$0
3.03%
▲ 1.09% above Missouri avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.94%▲ 1.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
3.02%
▲ 1.08% above Missouri avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.94%▲ 1.08% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
Saint Louis 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
6 Month Teen CD
$1,000
10.00%
▲ 7.09% above Missouri avg
▼
Rate9.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.77%
Details
max $1,000
Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.67% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.77%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
6 Month FDIC-Insured Certificate of Deposit
$0
4.30%
▲ 1.39% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.25%
- Oct 3, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 6 Months
$500
4.24%
▲ 1.33% above Missouri avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.77%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Term CD 6-Month
$1,000
4.05%
▲ 1.14% above Missouri avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.77%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month CD
$0
4.00%
▲ 1.09% above Missouri avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6 Month Certificate of Deposit
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
6-Month IRA
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 1.09% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 Month Term Shares Certificate
$0
3.89%
▲ 0.98% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.98% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.89% APY · checked 4 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
6 Month Certificate of Deposit
$0
3.80%
▲ 0.89% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.89% above avgNationally 2.77%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
- Oct 10, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
6 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.84% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.84% above avgNationally 2.77%
Details
Compounding and Crediting Frequency: Maturity
Rate History
No change since Oct 14, 2026 · 3.75% APY
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
6 Month Business CDs
$0
3.70%
▲ 0.79% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 6 Month
$1,000
3.70%
▲ 0.79% above Missouri avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.79% above avgNationally 2.77%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
7151 Natural Bridge Rd, Saint Louis, MO 63121
6-month CD
$50,000
3.65%
▲ 0.74% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.74% above avgNationally 2.77%
Details
Balance: $50,000 - $250,000 New Money; Open now or in branch; Take advantage of our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
6 Month Performance CDs
$0
3.60%
▲ 0.69% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
6 Month Business Share Certificate
$500
3.60%
▲ 0.69% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 10, 20263.60%▲ from 3.45%
- Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
6 Month Share Certificate
$500
3.60%
▲ 0.69% above Missouri avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.77%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 6 Month Certificate
$0
3.55%
▲ 0.64% above Missouri avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.77%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.55% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
6 Month Share Certificate
$100,000
3.55%
▲ 0.64% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.55% APY
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 6-Month CD
$1,000
3.51%
▲ 0.60% above Missouri avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.60% above avgNationally 2.77%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 3.51% APY · checked 8 times
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3803 Union Rd, Saint Louis, MO 63125
6 Month Certificate of Deposit
$1,000
3.51%
▲ 0.60% above Missouri avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.60% above avgNationally 2.77%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.51% APY
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 6 Months
$0
3.50%
▲ 0.59% above Missouri avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 3 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate
$0
3.50%
▲ 0.59% above Missouri avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 6 Month Certificate
$0
3.50%
▲ 0.59% above Missouri avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 6 Month
$1,000
3.50%
▲ 0.59% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Sep 29, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
6 Month Share Certificate
$50,000
3.50%
▲ 0.59% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
6 Month Certificate of Deposit
$1,000
3.45%
▲ 0.54% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.54% above avgNationally 2.77%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
366 S Kirkwood Rd, Saint Louis, MO 63122
6-Month CD
$1,000
3.40%
▲ 0.49% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.77%
Details
Penalty for early withdrawal applies; Open Online or Open In Person
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
6 Month Share Certificate
$0
3.40%
▲ 0.49% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
6 Month Share Certificate
$1,000
3.35%
▲ 0.44% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.44% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.35% APY
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
6 Month Certificates of Deposit
$500
3.25%
▲ 0.34% above Missouri avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.34% above avgNationally 2.77%
Details
Rate History
1 change since Sep 22, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 13, 20263.25%▲ from 3.00%
- Sep 22, 20263.00%first recorded
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 6 months
$1,000
3.05%
▲ 0.14% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.14% above avgNationally 2.77%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 6 month
$250
2.50%
▼ 0.41% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.41% below avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 6 month
$0
2.50%
▼ 0.41% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.41% below avgNationally 2.77%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 2.50% APY
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
6 Month Certificates of Deposit
$1,000
2.50%
▼ 0.41% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.41% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 6 Months
$1,000
2.50%
▼ 0.41% below Missouri avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.41% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 6-Month
$0
1.00%
▼ 1.91% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▼ 1.91% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 6 Months
$1,000
0.30%
▼ 2.61% below Missouri avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.61% below avgNationally 2.77%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 8 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 6 Month
$1,000
0.26%
▼ 2.65% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.65% below avgNationally 2.77%
Details
Compound APY: 0.26%; Automatic Renewal Term: 6 Month
Rate History
No change since Sep 24, 2026 · 0.26% APY · checked 6 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.85% below Missouri avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.85% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.86% below Missouri avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.86% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.86% below Missouri avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.86% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
6 Month Standard CD
$1,000
0.05%
▼ 2.86% below Missouri avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.86% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
6 Month Certificate of Deposit
$0
0.03%
▼ 2.88% below Missouri avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.88% below avgNationally 2.77%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 6 Months
$250
0.03%
▼ 2.88% below Missouri avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.88% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
6 Month Certificate of Deposit
$0
0.02%
▼ 2.89% below Missouri avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.89% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 6 Months
$250
0.02%
▼ 2.89% below Missouri avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.89% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
6 Month Certificate of Deposit
$0
0.01%
▼ 2.90% below Missouri avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.91%▼ 2.90% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Saint Louis 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
12-Month IRA
$0
4.60%
▲ 1.50% above Missouri avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.50% above avgNationally 2.99%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
1 Year FDIC-Insured Certificate of Deposit
$0
4.55%
▲ 1.45% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▲ 1.45% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
- Oct 7, 20264.55%▲ from 4.50%
- Oct 3, 20264.50%▲ from 4.37%
- Sep 27, 20264.37%▲ from 4.35%
- Sep 24, 20264.35%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 12 Months
$500
4.39%
▲ 1.29% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 1.29% above avgNationally 2.99%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$1,000
4.35%
▲ 1.25% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.25% above avgNationally 2.99%
Details
Featured rate; Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
12 Month Special Certificates of Deposit
$10,000
4.25%
▲ 1.15% above Missouri avg
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details
Compound Method: Quarterly
Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
- Oct 7, 20264.25%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.00%
- Sep 19, 20264.00%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Term CD 1-Year
$1,000
4.25%
▲ 1.15% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 1.15% above avgNationally 2.99%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 6, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 Month Term Shares Certificate
$0
4.08%
▲ 0.98% above Missouri avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.10%▲ 0.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.08% ▲ 0.38 pts · high 4.08% / low 3.70%
- Oct 4, 20264.08%▲ from 3.70%
- Sep 25, 20263.70%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 12 Months
$1,000
4.01%
▲ 0.91% above Missouri avg
▼
Rate3.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.91% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.01% ▲ 0.11 pts · high 4.01% / low 3.90%
- Oct 13, 20264.01%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
12 Month Certificates of Deposit (CDs)
$500
4.00%
▲ 0.90% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.90% above avgNationally 2.99%
Details
Compounding and Crediting Frequency: Maturity
Rate History
No change since Oct 14, 2026 · 4.00% APY
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
12 Month Certificates of Deposit
$500
3.90%
▲ 0.80% above Missouri avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.80% above avgNationally 2.99%
Details
Rate History
1 change since Sep 22, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 13, 20263.90%▲ from 3.65%
- Sep 22, 20263.65%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Youth Saver 12-Month CD
$250
3.90%
▲ 0.80% above Missouri avg
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.80% above avgNationally 2.99%
Details
Ages: 0-19
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Build A Certificate of Deposit
$0
3.81%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
12 Month Certificate of Deposit
$1,000
3.81%
▲ 0.71% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.71% above avgNationally 2.99%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 12-Month CD
$1,000
3.75%
▲ 0.65% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
12 Month Business Share Certificate
$500
3.75%
▲ 0.65% above Missouri avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 10, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
12 Month Share Certificate
$500
3.75%
▲ 0.65% above Missouri avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.65% above avgNationally 2.99%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 12 Months
$0
3.70%
▲ 0.60% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.10%▲ 0.60% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
1 Year Business CDs
$0
3.60%
▲ 0.50% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.50% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 12 Month Certificate
$0
3.60%
▲ 0.50% above Missouri avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.50% above avgNationally 2.99%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.60% APY
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 12 Month
$1,000
3.60%
▲ 0.50% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.50% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
1 Year Share Certificate
$100,000
3.60%
▲ 0.50% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.50% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 12 months
$1,000
3.56%
▲ 0.46% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.46% above avgNationally 2.99%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
12 Month Certificate
$0
3.55%
▲ 0.45% above Missouri avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.45% above avgNationally 2.99%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
- Sep 18, 20263.55%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 12 Month Certificate
$0
3.55%
▲ 0.45% above Missouri avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.45% above avgNationally 2.99%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
1 Year Share Certificate
$50,000
3.55%
▲ 0.45% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.45% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
12 Month Performance CDs
$0
3.50%
▲ 0.40% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 12 month
$250
3.50%
▲ 0.40% above Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 12 month
$0
3.50%
▲ 0.40% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 3.50% APY
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
12 Month Share Certificate
$0
3.50%
▲ 0.40% above Missouri avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
12 Month Certificates of Deposit
$1,000
3.50%
▲ 0.40% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
1 Year Share Certificate
$1,000
3.40%
▲ 0.30% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.10%▲ 0.30% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.40% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
12 Month Jumbo CD
$50,000
3.35%
▲ 0.25% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▲ 0.25% above avgNationally 2.99%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 12 Month
$1,000
3.10%
At Missouri avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%At the averageNationally 2.99%
Details
Partial withdrawals not allowed; $100,000 maximum deposit per CD product; automatically renewable
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
12 Month CD
$0
3.10%
At Missouri avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%At the averageNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
12 Month Certificate of Deposit
$1,000
3.10%
At Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%At the averageNationally 2.99%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
12 Month Certificate of Deposit
$0
3.06%
▼ 0.04% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 0.04% below avgNationally 2.99%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.06% ▼ 0.74 pts · high 3.80% / low 3.06%
- Oct 10, 20263.06%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
12 Month Regular CD
$2,000
3.00%
▼ 0.10% below Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 0.10% below avgNationally 2.99%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
1 Year Certificate of Deposit
$1,000
2.78%
▼ 0.32% below Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▼ 0.32% below avgNationally 2.99%
Details
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 4 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 1 Year
$1,000
2.78%
▼ 0.32% below Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▼ 0.32% below avgNationally 2.99%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 6 times
FCB Banks
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
12 Month Certificate of Deposit
$0
2.75%
▼ 0.35% below Missouri avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 0.35% below avgNationally 2.99%
Details
Term: One Year (12 - 23 months)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.59% below Missouri avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 1.59% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1 N Jefferson Ave, Saint Louis, MO 63103
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.60% below Missouri avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 1.60% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
12 Month Certificates of Deposit
$1,000
1.50%
▼ 1.60% below Missouri avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 1.60% below avgNationally 2.99%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
12-Month IRA
$1,000
1.25%
▼ 1.85% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▼ 1.85% below avgNationally 2.99%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼ 1.85% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▼ 1.85% below avgNationally 2.99%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 12-Month
$0
1.00%
▼ 2.10% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.10%▼ 2.10% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.35% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 2.35% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
12 Month Standard CD
$1,000
0.75%
▼ 2.35% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 2.35% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 12 Month
$1,000
0.41%
▼ 2.69% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 2.69% below avgNationally 2.99%
Details
Compound APY: 0.41%; Automatic Renewal Term: 12 Month
Rate History
No change since Sep 24, 2026 · 0.41% APY · checked 6 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 12 Months
$1,000
0.40%
▼ 2.70% below Missouri avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.10%▼ 2.70% below avgNationally 2.99%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
Saint Louis 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
18 Month FDIC-Insured Certificate of Deposit
$0
4.75%
▲ 1.80% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.80% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
- Oct 11, 20264.75%▲ from 4.70%
- Oct 3, 20264.70%▲ from 4.55%
- Sep 27, 20264.55%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Rising CD 18-Month
$5,000
4.35%
▲ 1.40% above Missouri avg
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
- Oct 6, 20264.35%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 18-Month CD
$1,000
4.25%
▲ 1.30% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.88%
Details
Traditional CDs
Rate History
1 change since Sep 8, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 14, 20264.25%▲ from 3.00%
- Sep 8, 20263.00%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
18-Month Variable Rate IRA
$0
4.17%
▲ 1.22% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.22% above avgNationally 2.88%
Details
Variable Rate
Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
- Oct 3, 20264.17%▲ from 3.79%
- Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
18-month CD
$1,000
4.15%
▲ 1.20% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 18 Months
$1,000
4.15%
▲ 1.20% above Missouri avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
- Oct 13, 20264.15%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
18 Month Certificates of Deposit
$1,000
4.00%
▲ 1.05% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.80% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.88%
Details
Compounding and Crediting Frequency: Semi-annually
Rate History
No change since Oct 14, 2026 · 3.75% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
18 Month Share Certificate
$100,000
3.55%
▲ 0.60% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.60% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
18 Month Special Certificates of Deposit
$10,000
3.50%
▲ 0.55% above Missouri avg
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 8 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
18 Month Share Certificate
$50,000
3.50%
▲ 0.55% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
18 Month Business Share Certificate
$500
3.50%
▲ 0.55% above Missouri avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
- Oct 10, 20263.50%▲ from 3.35%
- Sep 14, 20263.35%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
18 Month Share Certificate
$500
3.50%
▲ 0.55% above Missouri avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
18 Month Performance CDs
$0
3.40%
▲ 0.45% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
18 Month Jumbo CD
$50,000
3.40%
▲ 0.45% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.45% above avgNationally 2.88%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
18 Month Share Certificate
$1,000
3.35%
▲ 0.40% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.40% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.35% above Missouri avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.35% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3803 Union Rd, Saint Louis, MO 63125
18 Month Certificate of Deposit
$1,000
3.25%
▲ 0.30% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
18 Month CD
$0
3.25%
▲ 0.30% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
18 Month Certificate of Deposit
$1,000
3.25%
▲ 0.30% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
18-Month IRA
$1,000
3.25%
▲ 0.30% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 18-Month
$1,000
3.25%
▲ 0.30% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
- Oct 7, 20263.25%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate
$0
3.25%
▲ 0.30% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 18 Month Certificate
$0
3.25%
▲ 0.30% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
18 Month Certificates of Deposit
$500
3.25%
▲ 0.30% above Missouri avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.30% above avgNationally 2.88%
Details
Rate History
1 change since Sep 22, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 13, 20263.25%▲ from 3.15%
- Sep 22, 20263.15%first recorded
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 18 months
$1,000
3.05%
▲ 0.10% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.10% above avgNationally 2.88%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
18 Month Regular CD
$2,000
3.05%
▲ 0.10% above Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 0.10% above avgNationally 2.88%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 18 Month
$1,000
3.00%
▲ 0.05% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.05% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
1.5 Year Business CDs
$0
2.10%
▼ 0.85% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 0.85% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 7 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 18 month
$250
2.00%
▼ 0.95% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▼ 0.95% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.00% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 18 month
$0
2.00%
▼ 0.95% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▼ 0.95% below avgNationally 2.88%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 2.00% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
18 Month Certificates of Deposit
$1,000
1.50%
▼ 1.45% below Missouri avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 1.45% below avgNationally 2.88%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.20% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
18 Month Standard CD
$1,000
0.75%
▼ 2.20% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 18 Month
$1,000
0.51%
▼ 2.44% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.44% below avgNationally 2.88%
Details
Compound APY: 0.51%; Automatic Renewal Term: 18 Month
Rate History
No change since Sep 24, 2026 · 0.51% APY · checked 6 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 18 Months
$1,000
0.45%
▼ 2.50% below Missouri avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.50% below avgNationally 2.88%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 8 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Individual Retirement Accounts - 18 Months
$500
0.45%
▼ 2.50% below Missouri avg
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.50% below avgNationally 2.88%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Oct 14, 2026 · 0.45% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 18-Month
$0
0.15%
▼ 2.80% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▼ 2.80% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
18 Month Certificate of Deposit
$0
0.03%
▼ 2.92% below Missouri avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.92% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 18 Months
$250
0.03%
▼ 2.92% below Missouri avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.92% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
18 Month Certificate of Deposit
$0
0.02%
▼ 2.93% below Missouri avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.93% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 18 Months
$250
0.02%
▼ 2.93% below Missouri avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.93% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
18 Month Certificate of Deposit
$0
0.01%
▼ 2.94% below Missouri avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.94% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 18 Months
$250
0.01%
▼ 2.94% below Missouri avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▼ 2.94% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90%
▲ 1.95% above Missouri avg
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.95% above avgNationally 2.88%
Details
See Fair Special options; Preferred Rate with any checking account; Rate: 4.89%, APY: 5.00%
Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 MONTHS IRA
$500
4.50%
▲ 1.55% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 18-Month
$500
4.40%
▲ 1.45% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.45% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 14, 20263.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.39%
▲ 1.44% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
- Oct 10, 20264.39%▲ from 4.33%
- Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 18 Months Jumbo+
$100,000
4.37%
▲ 1.42% above Missouri avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.95%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.37% ▲ 0.12 pts · high 4.37% / low 4.25%
- Oct 14, 20264.37%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month IRA Certificate
$500
4.35%
▲ 1.40% above Missouri avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.88%
Details
Compounded Semi-Annually
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
Saint Louis 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
2 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 1.97% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.97% above avgNationally 2.88%
Details
Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
- Oct 11, 20265.00%▲ from 4.90%
- Oct 7, 20264.90%▲ from 4.85%
- Oct 3, 20264.85%▲ from 4.65%
- Sep 27, 20264.65%▲ from 4.60%
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
24-Month IRA
$0
4.81%
▲ 1.78% above Missouri avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.78% above avgNationally 2.88%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.55% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.55% above avgNationally 2.88%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 24 Months
$500
4.55%
▲ 1.52% above Missouri avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.52% above avgNationally 2.88%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
24 Month Performance CDs
$0
4.35%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 14, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Term CD 2-Year
$1,000
4.30%
▲ 1.27% above Missouri avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.27% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
- Oct 6, 20264.30%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 24-Month CD
$1,000
4.25%
▲ 1.22% above Missouri avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details
Traditional CDs
Rate History
2 changes since Sep 8, 2026 · 3.51% → 4.25% ▲ 0.74 pts · high 4.25% / low 3.51%
- Oct 14, 20264.25%▲ from 4.01%
- Oct 2, 20264.01%▲ from 3.51%
- Sep 8, 20263.51%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 24 Months
$1,000
4.21%
▲ 1.18% above Missouri avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 13, 20264.21%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
24 Month OASIS SPECIALS CERTIFICATE OF DEPOSIT
$1,000
4.16%
▲ 1.13% above Missouri avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.13% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
24 Month Business Share Certificate
$500
4.10%
▲ 1.07% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 14, 20264.10%▲ from 4.09%
- Oct 10, 20264.09%▲ from 3.45%
- Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
24 Month Share Certificate
$500
4.10%
▲ 1.07% above Missouri avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
24-month CD
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month CD
$0
4.00%
▲ 0.97% above Missouri avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24 Month Certificate of Deposit
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
24-Month IRA
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 0.97% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.97% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
SIMPLIFIED EMPLOYEE PENSION (SEP) IRA 2 Year
$1,000
3.91%
▲ 0.88% above Missouri avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
24 Month Certificate of Deposit
$0
3.80%
▲ 0.77% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.77% above avgNationally 2.88%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
- Oct 10, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 24 Months
$0
3.75%
▲ 0.72% above Missouri avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.03%▲ 0.72% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Certificate of Deposit
$50,000
3.55%
▲ 0.52% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
2 Year Share Certificate
$100,000
3.55%
▲ 0.52% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
24 Month Certificates of Deposit (CDs)
$500
3.55%
▲ 0.52% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details
Compounding and Crediting Frequency: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
2 Year Share Certificate
$50,000
3.50%
▲ 0.47% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.47% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
24 Month Term Shares Certificate
$0
3.46%
▲ 0.43% above Missouri avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.46% APY · checked 4 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Build a Certificate of Deposit
$0
3.45%
▲ 0.42% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
24 Month Certificate of Deposit
$1,000
3.45%
▲ 0.42% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
24 Month Jumbo CD
$50,000
3.45%
▲ 0.42% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.42% above avgNationally 2.88%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
24 Month Share Certificate
$0
3.35%
▲ 0.32% above Missouri avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average3.03%▲ 0.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 9, 20263.35%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
2 Year Share Certificate
$1,000
3.35%
▲ 0.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.32% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 24 Month Certificate
$0
3.30%
▲ 0.27% above Missouri avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.27% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
24 Month Certificate
$0
3.25%
▲ 0.22% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 24 Month Certificate
$0
3.25%
▲ 0.22% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 24 months
$1,000
3.25%
▲ 0.22% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Jumbo CD 2-Year
$100,000
3.25%
▲ 0.22% above Missouri avg
▼
Rate3.21%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.22% above avgNationally 2.88%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
24 Month Regular CD
$2,000
3.10%
▲ 0.07% above Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▲ 0.07% above avgNationally 2.88%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
24 Month Certificates of Deposit
$500
3.00%
▼ 0.03% below Missouri avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.03% below avgNationally 2.88%
Details
Rate History
1 change since Sep 22, 2026 · 3.15% → 3.00% ▼ 0.15 pts · high 3.15% / low 3.00%
- Oct 13, 20263.00%▼ from 3.15%
- Sep 22, 20263.15%first recorded
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 24 Month
$1,000
3.00%
▼ 0.03% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.03% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
FCB Banks
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
24 Month Certificate of Deposit
$0
2.90%
▼ 0.13% below Missouri avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 0.13% below avgNationally 2.88%
Details
Term: Two Years (24 - 35 months)
Rate History
No change since Oct 14, 2026 · 2.90% APY
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
2 Year Certificate of Deposit
$1,000
2.78%
▼ 0.25% below Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▼ 0.25% below avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 4 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 2 Year
$1,000
2.78%
▼ 0.25% below Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▼ 0.25% below avgNationally 2.88%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 6 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 24 Months
$1,000
2.75%
▼ 0.28% below Missouri avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 0.28% below avgNationally 2.88%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Individual Retirement Accounts - 24 Months
$500
2.75%
▼ 0.28% below Missouri avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 0.28% below avgNationally 2.88%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Oct 14, 2026 · 2.75% APY
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
2 Year Business CDs
$0
2.20%
▼ 0.83% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 0.83% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.20% APY · checked 7 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
24 Month Certificate of Deposit (CD)
$0
2.06%
▼ 0.97% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.97% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.06% APY · checked 8 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 24 month
$250
2.05%
▼ 0.98% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.98% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.05% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 24 month
$0
2.05%
▼ 0.98% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.98% below avgNationally 2.88%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 2.05% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
24 Month Certificates of Deposit
$1,000
1.50%
▼ 1.53% below Missouri avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 1.53% below avgNationally 2.88%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 5 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 2 Year
$1,000
0.75%
▼ 2.28% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 2.28% below avgNationally 2.88%
Details
Compound APY: 0.75%; Automatic Renewal Term: 24 Month
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.28% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 2.28% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
24 Month Standard CD
$1,000
0.75%
▼ 2.28% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average3.03%▼ 2.28% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Saint Louis 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
36-Month IRA
$0
5.02%
▲ 2.25% above Missouri avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 2.25% above avgNationally 2.81%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
No change since Oct 12, 2026 · 5.02% APY
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
3 Year FDIC-Insured Certificate of Deposit
$0
5.00%
▲ 2.23% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 2.23% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
- Oct 3, 20265.00%▲ from 4.90%
- Sep 27, 20264.90%▲ from 4.75%
- Sep 24, 20264.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO 63122 4200
Share Certificates - 36 Months
$500
4.71%
▲ 1.94% above Missouri avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.81%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.81% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.81%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
9900 Clayton Rd, Saint Louis, MO 63124
36-Month CD
$0
4.40%
▲ 1.63% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.63% above avgNationally 2.81%
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month CD
$0
4.15%
▲ 1.38% above Missouri avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
36-Month IRA
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.38% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
36 Month Business Share Certificate
$500
3.85%
▲ 1.08% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 10, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
36 Month Share Certificate
$500
3.85%
▲ 1.08% above Missouri avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.08% above avgNationally 2.81%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
36 Month Certificate of Deposit
$0
3.80%
▲ 1.03% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 36 Months
$0
3.80%
▲ 1.03% above Missouri avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.77%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 36 Months
$0
3.70%
▲ 0.93% above Missouri avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.93% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 13, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$50,000
3.60%
▲ 0.83% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
3 Year Share Certificate
$100,000
3.55%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
36 Month Certificates of Deposit (CDs)
$500
3.55%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details
Compounding and Crediting Frequency: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Build A Certificate of Deposit
$0
3.50%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
36 Month Certicicate of Deposit
$1,000
3.50%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
3 Year Share Certificate
$50,000
3.50%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
36 Month Jumbo CD
$50,000
3.50%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 Month Term Shares Certificate
$0
3.41%
▲ 0.64% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 0.64% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
36 Month Performance CDs
$0
3.40%
▲ 0.63% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
36 Month Share Certificate
$0
3.35%
▲ 0.58% above Missouri avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.77%▲ 0.58% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Oct 9, 20263.35%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
3 Year Share Certificate
$1,000
3.35%
▲ 0.58% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.58% above avgNationally 2.81%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 36 Month Certificate
$0
3.30%
▲ 0.53% above Missouri avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.53% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Certificate
$0
3.25%
▲ 0.48% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.48% above avgNationally 2.81%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 36 Month Certificate
$0
3.25%
▲ 0.48% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.48% above avgNationally 2.81%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 36 months
$1,000
3.25%
▲ 0.48% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.48% above avgNationally 2.81%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15%
▲ 0.38% above Missouri avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.38% above avgNationally 2.81%
Details
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Rate History
No change since Oct 13, 2026 · 3.15% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
36 Month Regular CD
$2,000
3.15%
▲ 0.38% above Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.38% above avgNationally 2.81%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Variable Rate Certificate
$0
3.10%
▲ 0.33% above Missouri avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.33% above avgNationally 2.81%
Details
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 36 Month Variable Rate Certificate
$0
3.10%
▲ 0.33% above Missouri avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.33% above avgNationally 2.81%
Details
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .10% for 36 months; rate will never be lower than rate earned on issue date
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
FCB Banks
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
12000 Tesson Ferry Rd, Saint Louis, MO 63128
36 Month Certificate of Deposit
$0
3.00%
▲ 0.23% above Missouri avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▲ 0.23% above avgNationally 2.81%
Details
Term: Three Years (36 - 59 months)
Rate History
No change since Oct 14, 2026 · 3.00% APY
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
36 Month Certificates of Deposit
$500
3.00%
▲ 0.23% above Missouri avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.23% above avgNationally 2.81%
Details
Rate History
1 change since Sep 22, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Oct 13, 20263.00%▼ from 3.25%
- Sep 22, 20263.25%first recorded
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 36 Month
$1,000
3.00%
▲ 0.23% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.23% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
3 Year Certificate of Deposit
$1,000
2.78%
▲ 0.01% above Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.01% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 4 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 3 Year
$1,000
2.78%
▲ 0.01% above Missouri avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 0.01% above avgNationally 2.81%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 2.78% APY · checked 6 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 36 Months
$1,000
2.75%
▼ 0.02% below Missouri avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.02% below avgNationally 2.81%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Individual Retirement Accounts - 36 Months
$500
2.75%
▼ 0.02% below Missouri avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.02% below avgNationally 2.81%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Oct 14, 2026 · 2.75% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
36 Month Certificates of Deposit
$1,000
2.75%
▼ 0.02% below Missouri avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.02% below avgNationally 2.81%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 5 times
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Term CD 3-Year
$1,000
2.55%
▼ 0.22% below Missouri avg
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.22% below avgNationally 2.81%
Details
Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000
Rate History
No change since Sep 24, 2026 · 2.55% APY · checked 6 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3 Year Business CDs
$0
2.40%
▼ 0.37% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 36-Month CD
$1,000
2.25%
▼ 0.52% below Missouri avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 0.52% below avgNationally 2.81%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 2.25% APY · checked 8 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 36 month
$250
2.05%
▼ 0.72% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▼ 0.72% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.05% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 36 month
$0
2.05%
▼ 0.72% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▼ 0.72% below avgNationally 2.81%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 2.05% APY
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 3 Year
$1,000
0.91%
▼ 1.86% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 1.86% below avgNationally 2.81%
Details
Compound APY: 0.91%; Automatic Renewal Term: 36 Month
Rate History
No change since Sep 24, 2026 · 0.91% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.02% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 2.02% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
36 Month Standard CD
$1,000
0.75%
▼ 2.02% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.77%▼ 2.02% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 36-Month
$0
0.35%
▼ 2.42% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▼ 2.42% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
Saint Louis 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
4 Year FDIC-Insured Certificate of Deposit
$0
5.10%
▲ 2.28% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 2.28% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
- Oct 7, 20265.10%▲ from 5.00%
- Oct 3, 20265.00%▲ from 4.95%
- Sep 27, 20264.95%▲ from 4.85%
- Sep 24, 20264.85%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.76% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month CD
$0
4.15%
▲ 1.33% above Missouri avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
48-Month IRA
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.33% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
48 Month Business Share Certificate
$500
3.95%
▲ 1.13% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 10, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
48 Month Share Certificate
$500
3.95%
▲ 1.13% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 48 Months
$0
3.85%
▲ 1.03% above Missouri avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 1.03% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
48 Month Certificate of Deposit
$0
3.80%
▲ 0.98% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 48 Months
$1,000
3.75%
▲ 0.93% above Missouri avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 13, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$100,000
3.60%
▲ 0.78% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$50,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
48 Month Certificates of Deposit (CDs)
$500
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Compounding and Crediting Frequency: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
48 Month Jumbo CD
$50,000
3.55%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 Month Term Shares Certificate
$0
3.41%
▲ 0.59% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 0.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
48 Month Performance CDs
$0
3.40%
▲ 0.58% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
48 Month Share Certificate
$0
3.40%
▲ 0.58% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 9, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
4 Year Share Certificate
$1,000
3.40%
▲ 0.58% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.40% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 48 Month Certificate
$0
3.30%
▲ 0.48% above Missouri avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.48% above avgNationally 2.80%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 48 months
$1,000
3.30%
▲ 0.48% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.48% above avgNationally 2.80%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3803 Union Rd, Saint Louis, MO 63125
4 Year Certificate of Deposit
$1,000
3.25%
▲ 0.43% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.43% above avgNationally 2.80%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
48 Month Certificate
$0
3.25%
▲ 0.43% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.43% above avgNationally 2.80%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 48 Month Certificate
$0
3.25%
▲ 0.43% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.43% above avgNationally 2.80%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
48 Month Regular CD
$2,000
3.20%
▲ 0.38% above Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 0.38% above avgNationally 2.80%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
48 Month Certificates of Deposit
$500
3.05%
▲ 0.23% above Missouri avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.23% above avgNationally 2.80%
Details
Rate History
1 change since Sep 22, 2026 · 3.25% → 3.05% ▼ 0.20 pts · high 3.25% / low 3.05%
- Oct 13, 20263.05%▼ from 3.25%
- Sep 22, 20263.25%first recorded
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
4 Year Certificate of Deposit
$1,000
3.03%
▲ 0.21% above Missouri avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.21% above avgNationally 2.80%
Details
Rate History
No change since Sep 11, 2026 · 3.03% APY · checked 4 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 4 Year
$1,000
3.03%
▲ 0.21% above Missouri avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.21% above avgNationally 2.80%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 3.03% APY · checked 6 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 48 Months
$1,000
2.75%
▼ 0.07% below Missouri avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 0.07% below avgNationally 2.80%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Individual Retirement Accounts - 48 Months
$500
2.75%
▼ 0.07% below Missouri avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 0.07% below avgNationally 2.80%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Oct 14, 2026 · 2.75% APY
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
48 Month Certificates of Deposit
$1,000
2.75%
▼ 0.07% below Missouri avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 0.07% below avgNationally 2.80%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 5 times
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 48 Month
$1,000
2.75%
▼ 0.07% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▼ 0.07% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
4 Year Business CDs
$0
2.50%
▼ 0.32% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 0.32% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 48-Month CD
$1,000
2.50%
▼ 0.32% below Missouri avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 0.32% below avgNationally 2.80%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 2.50% APY · checked 8 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 48 month
$250
1.70%
▼ 1.12% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▼ 1.12% below avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 1.70% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 48 month
$0
1.70%
▼ 1.12% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▼ 1.12% below avgNationally 2.80%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 1.70% APY
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 4 Year
$1,000
1.16%
▼ 1.66% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 1.66% below avgNationally 2.80%
Details
Compound APY: 1.17%; Automatic Renewal Term: 48 Month
Rate History
2 changes since Sep 24, 2026 · 1.16% → 1.16% ▼ 0.00 pts · high 1.17% / low 1.16%
- Oct 14, 20261.16%▼ from 1.17%
- Oct 7, 20261.17%▲ from 1.16%
- Sep 24, 20261.16%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.07% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.07% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
48 Month Standard CD
$1,000
0.75%
▼ 2.07% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.07% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 48-Month
$0
0.45%
▼ 2.37% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▼ 2.37% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
48 Month Certificate of Deposit
$0
0.03%
▼ 2.79% below Missouri avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.79% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 48 Months
$250
0.03%
▼ 2.79% below Missouri avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.79% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
48 Month Certificate of Deposit
$0
0.02%
▼ 2.80% below Missouri avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.80% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 48 Months
$250
0.02%
▼ 2.80% below Missouri avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.80% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
48 Month Certificate of Deposit
$0
0.01%
▼ 2.81% below Missouri avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.81% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
IRA CD - 48 Months
$250
0.01%
▼ 2.81% below Missouri avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▼ 2.81% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
5.01%
▲ 2.19% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.19% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.65% → 5.01% ▲ 0.36 pts · high 5.01% / low 4.65%
- Oct 14, 20265.01%▲ from 4.65%
- Sep 14, 20264.65%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 48 Months Jumbo+
$100,000
4.99%
▲ 2.17% above Missouri avg
▼
Rate4.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.17% above avgNationally 2.80%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.99% ▲ 0.44 pts · high 4.99% / low 4.55%
- Oct 14, 20264.99%▲ from 4.55%
- Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Certificate (CD) - 48 Months Jumbo
$10,000
4.94%
▲ 2.12% above Missouri avg
▼
Rate4.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.12% above avgNationally 2.80%
Details
Rate bump-up available
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.94% ▲ 0.39 pts · high 4.94% / low 4.55%
- Oct 14, 20264.94%▲ from 4.55%
- Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months
$500
4.85%
▲ 2.03% above Missouri avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.82%▲ 2.03% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.85% ▲ 0.36 pts · high 4.85% / low 4.49%
- Oct 14, 20264.85%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Saint Louis 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
5 Year FDIC-Insured Certificate of Deposit
$0
5.20%
▲ 2.27% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 2.27% above avgNationally 2.91%
Details
Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
- Oct 11, 20265.20%▲ from 5.15%
- Oct 7, 20265.15%▲ from 5.05%
- Sep 27, 20265.05%▲ from 4.90%
- Sep 24, 20264.90%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
60 Month 75th Anniversary Certificates of Deposit
$0
4.58%
▲ 1.65% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.65% above avgNationally 2.91%
Details
Effective date 10/1/26; Get complete details here
Rate History
No change since Oct 10, 2026 · 4.58% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month CD
$0
4.25%
▲ 1.32% above Missouri avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
60-Month IRA
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.32% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 1.32% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
60 Month Business Share Certificate
$500
3.95%
▲ 1.02% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
- Oct 10, 20263.95%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
1805 Craigshire Dr, Saint Louis, MO 63146
60 Month Share Certificate
$500
3.95%
▲ 1.02% above Missouri avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 1.02% above avgNationally 2.91%
Details
Minimum deposit for a Share Certificate is $500
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) - 60 Months
$0
3.90%
▲ 0.97% above Missouri avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.93%▲ 0.97% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO 63128
60 Month Certificate of Deposit
$0
3.80%
▲ 0.87% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details
Substantial penalty for early withdrawal; Effective date 10/1/26
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 10, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
5530 Fyler Ave, Saint Louis, MO 63139
Certificate of Deposit - 60 Months
$1,000
3.80%
▲ 0.87% above Missouri avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.87% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
- Oct 13, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$50,000
3.66%
▲ 0.73% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.73% above avgNationally 2.91%
Details
$50,000 +; Certificates of Deposit require a minimum deposit of $50,000; Interest compounded semi-annually
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$100,000
3.65%
▲ 0.72% above Missouri avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.72% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.65% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$50,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
60 Month Jumbo CD
$50,000
3.60%
▲ 0.67% above Missouri avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.67% above avgNationally 2.91%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Build a Certificate of Deposit
$0
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO 63117 2406
60 Month Certificate of Deposit
$1,000
3.55%
▲ 0.62% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.62% above avgNationally 2.91%
Details
Certificates of Deposit require a minimum deposit of $1,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10024 Office Center Ave, Saint Louis, MO 63128
Certificates of Deposit - 60 Month
$1,000
3.50%
▲ 0.57% above Missouri avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
4249 Watson Rd, Saint Louis, MO 63109 1214
60 Month Certificates of Deposit (CDs)
$500
3.50%
▲ 0.57% above Missouri avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.57% above avgNationally 2.91%
Details
Compounding and Crediting Frequency: Annually
Rate History
No change since Oct 14, 2026 · 3.50% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
8866 Ladue Rd, Saint Louis, MO 63124 2325
5 Year Share Certificate
$1,000
3.45%
▲ 0.52% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.52% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.45% APY
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 Month Term Shares Certificate
$0
3.41%
▲ 0.48% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.93%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 3.41% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
3.5-Year Bump Rate CD
$0
3.40%
▲ 0.47% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.47% above avgNationally 2.91%
Details
Call before 4 p.m. (ET) for same day rate bump.
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
60 Month Performance CDs
$0
3.40%
▲ 0.47% above Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.47% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO 63108
60 Month Share Certificate
$0
3.40%
▲ 0.47% above Missouri avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.93%▲ 0.47% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
- Oct 9, 20263.40%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 60 Month Certificate
$0
3.30%
▲ 0.37% above Missouri avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO 63105 1913
Certificate of Deposit - 60 months
$1,000
3.30%
▲ 0.37% above Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.37% above avgNationally 2.91%
Details
Effective Sept. 1, 2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
5 Year Certificate of Deposit
$1,000
3.29%
▲ 0.36% above Missouri avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 0.36% above avgNationally 2.91%
Details
Rate History
No change since Sep 11, 2026 · 3.29% APY · checked 4 times
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
2330 West Port Plaza Dr, Saint Louis, MO 63146
CERTIFICATES OF DEPOSIT (CD's) & INDIVIDUAL RETIREMENT ACCOUNTS (IRA's) 5 Year
$1,000
3.29%
▲ 0.36% above Missouri avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▲ 0.36% above avgNationally 2.91%
Details
Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity
Rate History
No change since Sep 11, 2026 · 3.29% APY · checked 6 times
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3803 Union Rd, Saint Louis, MO 63125
5 Year Certificate of Deposit
$1,000
3.25%
▲ 0.32% above Missouri avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Interest is compounded quarterly; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Certificate
$0
3.25%
▲ 0.32% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 60 Month Certificate
$0
3.25%
▲ 0.32% above Missouri avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO 63129
60 Month Regular CD
$2,000
3.25%
▲ 0.32% above Missouri avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.32% above avgNationally 2.91%
Details
Rates effective 9/1/2026; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15%
▲ 0.22% above Missouri avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.22% above avgNationally 2.91%
Details
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Rate History
No change since Oct 13, 2026 · 3.15% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Variable Rate Certificate
$0
3.10%
▲ 0.17% above Missouri avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.17% above avgNationally 2.91%
Details
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO 63125 4320
Business 60 Month Variable Rate Certificate
$0
3.10%
▲ 0.17% above Missouri avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.17% above avgNationally 2.91%
Details
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .25% for 60 months; rate will never be lower than rate earned on issue date
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
60 Month Certificates of Deposit
$500
3.10%
▲ 0.17% above Missouri avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▲ 0.17% above avgNationally 2.91%
Details
Rate History
1 change since Sep 22, 2026 · 3.25% → 3.10% ▼ 0.15 pts · high 3.25% / low 3.10%
- Oct 13, 20263.10%▼ from 3.25%
- Sep 22, 20263.25%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
60 Month Certificates of Deposit
$1,000
3.00%
▲ 0.07% above Missouri avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▲ 0.07% above avgNationally 2.91%
Details
Compound Method: Quarterly
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Certificates of Deposit - 60 Months
$1,000
2.75%
▼ 0.18% below Missouri avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 0.18% below avgNationally 2.91%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2301 Market St, Saint Louis, MO 63103
Individual Retirement Accounts - 60 Months
$500
2.75%
▼ 0.18% below Missouri avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 0.18% below avgNationally 2.91%
Details
Rates current as of today's date. A penalty may be imposed for early withdrawals.
Rate History
No change since Oct 14, 2026 · 2.75% APY
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
Certificates of Deposit (CD) - 60 Month
$1,000
2.75%
▼ 0.18% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▼ 0.18% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5575 Telegraph Rd, Saint Louis, MO 63129
Traditional 60-Month CD
$1,000
2.55%
▼ 0.38% below Missouri avg
▼
Rate2.53%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 0.38% below avgNationally 2.91%
Details
Traditional CDs
Rate History
No change since Sep 8, 2026 · 2.55% APY · checked 8 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
5 Year Business CDs
$0
2.50%
▼ 0.43% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 0.43% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
211 N Broadway, Saint Louis, MO 63102
2.5 Year Business CDs
$0
2.30%
▼ 0.63% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 0.63% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 7 times
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Certificate of Deposit (CD) - 60 month
$250
1.70%
▼ 1.23% below Missouri avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▼ 1.23% below avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 1.70% APY
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1407 Washington Ave, Saint Louis, MO 63103 1920
Individual Retirement Account (IRA) Certificate - 60 month
$0
1.70%
▼ 1.23% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.93%▼ 1.23% below avgNationally 2.91%
Details
Available as a Traditional, Roth, or Coverdell certificate
Rate History
No change since Oct 13, 2026 · 1.70% APY
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
7730 Carondelet Ave, Saint Louis, MO 63105
CD 5 Year
$1,000
1.40%
▼ 1.53% below Missouri avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 1.53% below avgNationally 2.91%
Details
Compound APY: 1.41%; Automatic Renewal Term: 60 Month
Rate History
2 changes since Sep 24, 2026 · 1.40% → 1.40% ▼ 0.00 pts · high 1.41% / low 1.40%
- Oct 14, 20261.40%▼ from 1.41%
- Oct 7, 20261.41%▲ from 1.40%
- Sep 24, 20261.40%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.18% below Missouri avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 2.18% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2301 S Kingshighway Blvd, Saint Louis, MO 63110
60 Month Standard CD
$1,000
0.75%
▼ 2.18% below Missouri avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 2.18% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
7495 Watson Rd, Saint Louis, MO 63119
Business 60-Month
$0
0.50%
▼ 2.43% below Missouri avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.93%▼ 2.43% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6025 Chippewa St, Saint Louis, MO 63109
60 Month Certificate of Deposit
$0
0.03%
▼ 2.90% below Missouri avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Missouri Average2.93%▼ 2.90% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Saint Louis, MO CD Rate Trends
Compare local Saint Louis, MO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MO Avg
3.098%
Unchanged vs 7 days ago
Missouri 12-month CD rates currently average 3.098% APY based on data from institutions in our monitoring network.
6-Month CD MO Avg
2.906%
▲ 0.022 vs 7 days ago
Missouri 6-month CD rates rose 0.022 points over the past 7 days to 2.906% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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MO CD Rate Forecast, Next 12 Months
Where are Missouri CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
3.098%
6-Month Forecast
3.098%
Range: 2.90%, 3.25%
12-Month Forecast
3.348%
Range: 3.15%, 3.50%
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What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.941% | $97.05 | $194.09 | $485.22 | $970.45 |
| 6-Month CD | 2.906% | $145.30 | $290.60 | $726.50 | $1,453.00 |
| 12-Month CD | 3.098% | $154.89 | $309.77 | $774.43 | $1,548.85 |
| 18-Month CD | 2.953% | $147.64 | $295.27 | $738.18 | $1,476.35 |
| 24-Month CD | 3.027% | $151.33 | $302.66 | $756.65 | $1,513.30 |
| 36-Month CD | 2.768% | $138.41 | $276.82 | $692.05 | $1,384.10 |
| 48-Month CD | 2.821% | $141.04 | $282.08 | $705.20 | $1,410.40 |
| 60-Month CD | 2.934% | $146.69 | $293.38 | $733.45 | $1,466.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Saint Louis, 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 | 1.941% | $97.05 |
| 2 | 6-Month CD | $5,000 | 2.906% | $145.30 |
| 3 | 12-Month CD | $5,000 | 3.098% | $154.89 |
| 4 | 24-Month CD | $5,000 | 3.027% | $151.33 |
| 5 | 36-Month CD | $5,000 | 2.768% | $138.41 |
| Total ($25,000 invested) | $25,000 | 2.748% blended | $686.98/yr | |
Ladder example uses equal $5,000 rungs and Missouri average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,371
CD Rates
Tracked in Saint Louis, Missouri
Tracked in Saint Louis, Missouri
72 Banks
54 Credit Unions
About Our Saint Louis, Missouri CD Rate Database
MonitorBankRates tracks 1,371 CD rates from 72 banks and 54 credit unions with locations in Saint Louis, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Century Credit Union offers a CD at 10.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Saint Louis, Missouri.
How to Find the Best CD Rates in Saint Louis, Missouri
What to compare when shopping for a CD in Saint Louis, Missouri
To find the best APYs in Saint Louis, Missouri, start with credit unions and online-only banks: Saint Louis, Missouri has 54 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Saint Louis, 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 Saint Louis, Missouri: 126 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Saint Louis, 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 Saint Louis, Missouri money market rates
Missouri Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$133/yr
At MO 12-mo avg 3.098% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.098%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $133 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Saint Louis, Missouri
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Saint Louis, 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 Saint Louis, 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 Saint Louis, Missouri as everywhere in the U.S.
Choosing a CD Term in Saint Louis, 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 Saint Louis, Missouri savers easier access to their funds. For example, Century Credit Union is offering its 6 Month Teen CD at 10.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Edward Jones Trust Company is offering its 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, Missouri
Most CDs carry a fixed rate that is locked for the entire term, protecting a Saint Louis, 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 Saint Louis, Missouri
Are CD rates in Saint Louis, Missouri FDIC insured?
Yes, most established banks in Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, Missouri?
Here are recent top rates found for this area:
- Century Credit Union: 10.00% APY (6 Month Teen CD)
- Edward Jones Trust Company: 5.20% APY (5 Year FDIC-Insured Certificate of Deposit)
- National Police Federal Credit Union: 5.02% APY (36-Month IRA)
- Members 1st Credit Union Saint Louis, MO: 4.58% APY (24 Month 75th Anniversary Certificates of Deposit)
- Banterra Bank: 4.40% APY (36-Month CD)
- EverBank: 4.35% APY (24 Month Performance CDs)
- CIBC: 4.35% APY (12-month CD)
- Rising Bank: 4.35% APY (Rising CD 18-Month)
- Midwest BankCentre: 4.25% APY (Traditional 18-Month CD)
- Lindell Bank & Trust Company: 4.25% APY (12 Month Special Certificates of Deposit)
Rates reflect recent verified offers available in Saint Louis, Missouri. Last Updated: October 14, 2026
Saint Louis, 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 Saint Louis, Missouri rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Saint Louis, Missouri
Saint Louis, Missouri CD Calculator
At today’s MO top rate of 10.00% APY, a $10,000 deposit earns $1,000 in the first year. Enter your amount to see your exact return.
Saint Louis, Missouri CD LadderMO CD rates currently range from 1.941% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saint Louis, 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 3.098% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Louis, 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 Saint Louis, 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 Saint Louis, Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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