Saint Louis, Missouri CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Saint Louis, Missouri CD rates include Century Credit UnionCentury Credit Union1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405A+5.0 ★Texas Ratio: 0.81%Real return: +7.20%APY minus CPI (February 2026) offering Certificate of Deposit (CD) Teen CD 6 Months max 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: +1.35%APY minus CPI (February 2026) offering FDIC-Insured Certificates of Deposit 5-year at 4.15% APY, CIBCCIBC1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144A+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY, First Missouri Credit UnionFirst Missouri Credit Union1690 Lemay Ferry Rd, Saint Louis, MO 63125A5.0 ★Texas Ratio: 10.51%Real return: +1.25%APY minus CPI (February 2026) offering 18 month CD at 4.05% APY, and Lindell Bank & Trust CompanyLindell Bank & Trust Company12040 Tesson Ferry Rd, Saint Louis, MO 63128A+5.0 ★Texas Ratio: 1.64%Real return: +1.24%APY minus CPI (February 2026) offering 18 Months at 4.04% APY. CD rates as of June 3, 2026 according to verified data from MonitorBankRates.
Saint Louis has 193 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 — 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: June 3, 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
FDIC-Insured Certificates of Deposit 3-month
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
CDARS? CDs 3 month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $12M
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
3 Months
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
3 months Share Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3 month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDARS? CDs 3 month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $12M
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
3 Months Certificate of Deposit & IRA CD
$1,000
2.15%
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 3 Months
$1,000
2.15%
▼
Rate2.14%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
3-Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
3 month Certificates of Deposit
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
3 Month CD
$1,000
0.21%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 3 Month
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Renewal rate based on 3-month board rate at maturity. Penalty for early withdrawal. Rates subject to change.
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 3 Month
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
3 Month CD or IRA CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Interest paid at term or maturity of CD
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
90 Day CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
3 Month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Months IRA and CD's
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 3 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 3 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Months Certificates (CDs)
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 3 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit 3 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3 Month Certificates of Deposit
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedJun 3, 2026
Details
Early Withdrawal Penalty: 91 Days
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA Certificate of Deposit - 3-month
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3-month Certificate of Deposit
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 days
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Share Certificate 3 Month
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Certificate
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
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: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) Teen CD 6 Months max
$0
10.00%
▼
Rate9.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000; Qualifying balance up to $1,000.00
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
FDIC-Insured Certificates of Deposit 6-month
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
6 months Term Shares Certificate
$0
3.89%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9900 Clayton Rd, Saint Louis, MO 63124
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CD Rate Special
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
6 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
6-month term Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
5575 Telegraph Rd, Saint Louis, MO 63129
6-Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Take advantage of current rates while they last
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDARS? CDs 6 month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $12M
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
6 months Share Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
6 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 6 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
CDARS? CDs 6 month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $12M
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
6 Month CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
6 month Certificates of Deposit
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
6 Months Certificate of Deposit & IRA CD
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 6 Months
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
6-Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
6 Month CD
$1,000
0.26%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 6 Month
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months Share Certificates
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 months Share Certificates - 1
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 6 months
$100
4.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 6 months - FEATURED RATE
$100
4.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 6 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Months Certificates (CDs)
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 6 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day IRA
$250
4.00%
▼
Rate3.94%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
180 Day CD
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Add-On CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Additional deposits of $25.00 minimum allowed with a maximum total contribution of $10,000.00
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Simple Interest CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$50,000
3.90%
▼
Rate3.83%
Min Deposit$50,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$15,000
3.85%
▼
Rate3.78%
Min Deposit$15,000
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Saint Louis 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
FDIC-Insured Certificates of Deposit 1-year
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
12-month term Certificates of Deposit
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
12 Months Certificate of Deposit & IRA CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 12 Months
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Youth Saver 12-Month CD (ages 0-19)
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Youth Saver 12-Month CD (ages 0-19) Certificate of Deposit & IRA CD
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 18, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
9900 Clayton Rd, Saint Louis, MO 63124
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CD Rate Special
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
12 months Term Shares Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
12 Month IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
12 Month CD
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 12 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 1 Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
12 months Share Certificates
$0
3.50%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2345 S Brentwood Blvd, Saint Louis, MO 63144 2033
Certificate of Deposit 12 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
12 month Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
12 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDARS? CDs 1 year
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $12M
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
12 Months
$10,000
3.25%
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
CDARS? CDs 1 year
$0
2.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $12M
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 N Jefferson Ave, Saint Louis, MO 63103
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
12-Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
12 Month CD
$1,000
0.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 12 Month
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
12 Month Investment Builder
$100
0.30%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 18, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 months Share Certificates
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 months Share Certificates - 1
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 1 12 months
$100
4.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 12 Months
$0
4.28%
▼
Rate4.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Months Certificates (CDs)
$500
4.27%
▼
Rate4.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 12 Months
$0
4.27%
▼
Rate4.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month Certificate
$0
4.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 12 Months
$1,000
3.95%
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
Individual Retirement Account (IRA) 12-month
$500
3.91%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1 Year Share CD or IRA CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
12 Month CD
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
12 Month Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
Youth 12 Month Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
12 Month Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Missouri Baptist Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
12 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Missouri Baptist Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
CD Special 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rates subject to change
Saint Louis 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
18-month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Featured rate.
First Missouri Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
1690 Lemay Ferry Rd, Saint Louis, MO 63125
18 month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
18 Months
$1,000
4.04%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Calculated Daily, Compounded Semi-annually
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
FDIC-Insured Certificates of Deposit 18-month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141 8235
18 month Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
18 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 18 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
18 Months
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12040 Tesson Ferry Rd, Saint Louis, MO 63128
18 Months
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
18 Month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
1.5 year
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
18 Month CD
$1,000
0.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 18 Month
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
18-Month
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 18 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Months Certificates (CDs)
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 18 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
F&M Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month
$5,000
3.85%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedJun 3, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 18 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month Daily Compound CD
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month CD IRA and CD's
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1.5 Year Share CD or IRA CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 months
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 18 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
18-Month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit 18 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 Month CD
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Term
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates 18 Month Term
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
18 Month CD or IRA CD
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Interest paid quarterly
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Term
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates 18 Month Term
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Bank 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 MONTH CERTIFICATE OF DEPOSIT
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
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
FDIC-Insured Certificates of Deposit 2-year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
24-month term Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
24 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 24 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
24 months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144
24-month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
24 Month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
24 Month IRA
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
CDARS? CDs 2 year
$0
2.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $1M
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
2 year
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDARS? CDs 2 year
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $1M
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
2 Year CD
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 24 Month
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
24-Month
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Certificate
$0
4.25%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 24 Months
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 24 Months
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 Months Certificates (CDs)
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 24 Months
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
24 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
2 Year Certificates of Deposit
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA 24 Month (Fixed rate)
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
24 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Daily Compound CD
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
24 MONTHS Certificates of Deposit
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 2 year
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24 Month Term
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates 24 Month Term
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Month CD IRA and CD's
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificates of Deposit (Personal&Business)
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
First Missouri State Bank of Cape County
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Growth Certificate of Deposit 24 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
24-Month CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 24 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificates of Deposit (Personal&Business)
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24 Month Term
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Share Certificates & IRA Share Certificates 24 Month Term
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Saint Louis 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
FDIC-Insured Certificates of Deposit 3-year
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
36-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
36 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 36 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
36-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
36 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 36 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
36 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
CDARS? CDs 3 year
$0
3.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $0.5M
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 36 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
36 months Share Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
36 Month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
36 Month IRA
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3 year
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Business CDARS? CDs 3 year
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $0.5M
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
3 Year CD
$1,000
0.91%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 36 Month
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
36-Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 36 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
36 Months Certificates (CDs)
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 36 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
36 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36-Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (Personal&Business)
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 36 Months
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
36 Month CD or IRA CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Interest paid quarterly
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 3 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 36 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (Personal&Business)
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (Personal&Business)
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 36 Months
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 29, 2026
Details
OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
36 Month Certificate of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36-Month IRA Share Certificate
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3 Year Share CD or IRA CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 36 Months
$15,000
3.30%
▼
Rate3.25%
Min Deposit$15,000
Min Balance—
UpdatedMay 29, 2026
Details
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
FDIC-Insured Certificates of Deposit 4-year
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
48 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 48 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
48-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
48 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 48 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
48 months Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 4 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
4 Years
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
48 Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
48 Month IRA
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
4 year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
4 Year CD
$1,000
1.16%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 48 Month
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
48 Month Bump Rate
$1,000
1.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
48-Month
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 48 Months
$0
4.44%
▼
Rate4.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 48 Months
$0
4.42%
▼
Rate4.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
48 Months Certificates (CDs)
$500
4.42%
▼
Rate4.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Certificate
$0
4.25%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
48 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
48-Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Tri-County Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificates of Deposit (Personal&Business)
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificates of Deposit (Personal&Business)
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 48 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Basic CDs 4 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
48 Month CD or IRA CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Interest paid quarterly
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
CD 48 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificates of Deposit (Personal&Business)
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
4 Year Share CD or IRA CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Kearney Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Daily Compound CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
48 MONTHS Certificates of Deposit
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates 48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
CERTIFICATES (Includes IRA Certificates) 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate of Deposit 48 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
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
FDIC-Insured Certificates of Deposit 5-year
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1805 Craigshire Dr, Saint Louis, MO 63146
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO 63125 2405
Certificate of Deposit (CD) 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
60 Months Certificate of Deposit & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 60 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO 63128
60-month term Certificates of Deposit
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO 63102
60 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
60 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
Certificates of Deposit & IRA CDs 60 Months Rate Bump
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
5530 Fyler Ave, Saint Louis, MO 63139
60 Months Rate Bump Certificate of Deposit & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO 63108
60 months Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO 63101
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3805 Union Rd, Saint Louis, MO 63125 4320
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3803 Union Rd, Saint Louis, MO 63125
5 Years
$0
3.01%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
60 Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
60 Month IRA
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
5 year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
2.5 year
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
7730 Carondelet Ave, Saint Louis, MO 63105
5 Year CD
$1,000
1.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Automatic Renewal Term: 60 Month
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
60 Month Bump Rate
$1,000
1.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
7495 Watson Rd, Saint Louis, MO 63119
60-Month
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.23%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Available as IRA in Branch
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
60 Months Special Click to Open CD
$1,000
4.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Open an Account platform
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
IRA & HSA Certificates 60 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
60 Months Certificates (CDs)
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificates (CDs) 60 Months
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
60 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
60-Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
60 Month CD or IRA CD
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Interest paid quarterly
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
60 MONTHS Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Month CD IRA and CD's
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month Certificates of Deposit (Personal&Business)
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 months Certificates of Deposit (CD)
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 months Share Certificates - 1
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 60 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month Certificates of Deposit (Personal&Business)
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
5 Year Share CD or IRA CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates 60 Months
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
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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
2.886%
▼ 0.011 vs 7 days ago
Missouri 12-month CD rates fell 0.011 points over the past 7 days to 2.886% APY.
6-Month CD — MO Avg
2.757%
▼ 0.007 vs 7 days ago
Missouri 6-month CD rates fell 0.007 points over the past 7 days to 2.757% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MO CD Rate Forecast — Next 12 Months
Where are Missouri CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MO 12-Month Avg APY
2.886%
6-Month Forecast
2.886%
Range: 2.69% – 3.04%
12-Month Forecast
2.636%
Range: 2.44% – 2.79%
Powered by
MonitorBankRates
What Your Savings Earn at MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.096% | $104.79 | $209.57 | $523.93 | $1,047.85 |
| 6-Month CD | 2.757% | $137.84 | $275.68 | $689.20 | $1,378.40 |
| 12-Month CD | 2.886% | $144.31 | $288.61 | $721.53 | $1,443.05 |
| 18-Month CD | 2.608% | $130.39 | $260.77 | $651.93 | $1,303.85 |
| 24-Month CD | 2.691% | $134.55 | $269.09 | $672.73 | $1,345.45 |
| 36-Month CD | 2.736% | $136.80 | $273.60 | $684.00 | $1,368.00 |
| 48-Month CD | 2.741% | $137.06 | $274.12 | $685.30 | $1,370.60 |
| 60-Month CD | 2.935% | $146.76 | $293.52 | $733.80 | $1,467.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 3, 2026. | |||||
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 | 2.096% | $104.79 |
| 2 | 6-Month CD | $5,000 | 2.757% | $137.84 |
| 3 | 12-Month CD | $5,000 | 2.886% | $144.31 |
| 4 | 24-Month CD | $5,000 | 2.691% | $134.55 |
| 5 | 36-Month CD | $5,000 | 2.736% | $136.80 |
| Total ($25,000 invested) | $25,000 | 2.633% blended | $658.29/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.
791
CD Rates
Tracked in Saint Louis, Missouri
Tracked in Saint Louis, Missouri
59 Banks
42 Credit Unions
About Our Saint Louis, Missouri CD Rate Database
MonitorBankRates tracks 791 CD rates from 59 banks and 42 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 (1–5), 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 $0. 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 42 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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 — 101 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Saint Louis, Missouri savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$123/yr
At MO 12-mo avg 2.886% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 2.886%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $123 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 (90–180 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 Certificate of Deposit (CD) Teen CD 6 Months max 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 FDIC-Insured Certificates of Deposit 5-year at 4.15% 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 (Certificate of Deposit (CD) Teen CD 6 Months max)
- Edward Jones Trust Company: 4.15% APY (FDIC-Insured Certificates of Deposit 5-year)
- CIBC: 4.15% APY (18-month CD)
- First Missouri Credit Union: 4.05% APY (18 month CD)
- Lindell Bank & Trust Company: 4.04% APY (18 Months)
- Mercy Credit Union: 4.00% APY (18 month Certificates of Deposit)
- FRB Federal Credit Union: 3.89% APY (6 months Term Shares Certificate)
- UNIFY Financial Federal Credit Union: 3.89% APY (IRA Certificate Term 18-Month Variable)
- Members 1st Credit Union Saint Louis, MO: 3.80% APY (12-month term Certificates of Deposit)
- Alliance Credit Union Fenton, MO: 3.80% APY (12 Months Certificate of Deposit & IRA CD)
Rates reflect recent verified offers available in Saint Louis, Missouri. Last Updated: June 3, 2026
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 2.096% (3-month) to 2.736% (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 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMissouri’s average 12-month CD is 2.886% 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: June 3, 2026
Saint Louis, Missouri Rates & Resources
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