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CD Rate Trends

Springfield, Missouri Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Springfield, Missouri CD rates range from 0.10% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Springfield, Missouri CD rates include Academy BankAcademy Bank2021 E Independence St, Springfield, MO 65804A+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month Certificate of Deposit at 4.40% APY, Omb BankOmb Bank3570 S National Ave, Springfield, MO 65807A5.0 ★Texas Ratio: 6.69%Real return: +1.51%APY minus CPI (February 2026) offering 18 Month Certificate at 4.31% APY, Sullivan BankSullivan Bank2655 S Campbell Ave, Springfield, MO 65807A-4.9 ★Texas Ratio: 16.43%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Special CD at 4.30% APY, Regent Bank (OK)Regent Bank (OK)3721 E Battlefield St, Springfield, MO 65809A5.0 ★Texas Ratio: 13.71%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month Certificate at 4.05% APY, and OBannon BankOBannon Bank3120 E Sunshine St, Springfield, MO 65804A5.0 ★Texas Ratio: 12.26%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Certificates of Deposit at 4.00% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Springfield has 152 local institutions in our database, with CD rates as high as 4.40% APY from Academy Bank at 2021 E Independence St, Springfield, MO 65804. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.

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

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Springfield 3 Month CD Rates

Missouri 3 Month CD Average1.95% APYNational 2.09%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
3 Month Certificate
$0
4.05% ▲ 2.10% above Missouri avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 2.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1150 E Battlefield St, Springfield, MO 65807
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
3 Month Certificates of Deposit
$0
3.55% ▲ 1.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
3 Month IRA CD
$0
3.55% ▲ 1.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
331 South Ave, Springfield, MO 65806
3-Month CD
$1,000
3.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.45% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
3 Month CD
$500
2.69% ▲ 0.74% above Missouri avg
View
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.74% above avgNationally 2.09%
Details

Compounding: at maturity

Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 6 times
2.19%2.69%3.19%Sep 18, 2026: 2.69% APYSep 18, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
3 Month CD
$1,000
2.27% ▲ 0.32% above Missouri avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.32% above avgNationally 2.09%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
3 Month CD
$1,000
2.02% ▲ 0.07% above Missouri avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 0.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
3 Month Certificates of Deposit
$1,000
2.00% ▲ 0.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
90 Day CD
$1,000
1.00% ▼ 0.95% below Missouri avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▼ 0.95% below avgNationally 2.09%
Details

Dividends paid monthly

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
3 Month CD
$1,000
0.50% ▼ 1.45% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▼ 1.45% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
3 Month Certificate
$1,000
0.25% ▼ 1.70% below Missouri avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▼ 1.70% below avgNationally 2.09%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
3 Month Certificate
$1,000
0.10% ▼ 1.85% below Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▼ 1.85% below avgNationally 2.09%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month FDIC-Insured Certificate of Deposit
$0
4.15% ▲ 2.20% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 2.20% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 24, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 24, 2026: 4.10% APYSep 27, 2026: 4.20% APYOct 3, 2026: 4.15% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.15%▼ from 4.20%
  • Sep 27, 20264.20%▲ from 4.10%
  • Sep 24, 20264.10%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08% ▲ 2.13% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 2.13% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 Month
$0
4.06% ▲ 2.11% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 2.11% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo IRA
$100,000
4.02% ▲ 2.07% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.07% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.02% ▲ 0.52 pts · high 4.02% / low 3.50%
2.98%3.76%4.54%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.56% APYOct 10, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.02%▲ from 3.56%
  • Sep 27, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months Jumbo IRA
$100,000
4.02% ▲ 2.07% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.07% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 10, 2026: 4.02% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo+ Certificate
$100,000
4.01% ▲ 2.06% above Missouri avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.06% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.01%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 2.05% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Months Jumbo Certificate
$10,000
3.96% ▲ 2.01% above Missouri avg
View
▼
Rate3.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 2.01% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.96% ▲ 0.41 pts · high 3.96% / low 3.55%
3.05%3.76%4.46%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.96%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
3-Month CD
$500
3.90% ▲ 1.95% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.87% ▲ 1.92% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.92% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.87% ▲ 0.32 pts · high 3.87% / low 3.55%
3.05%3.71%4.37%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 3 Months
$500
3.87% ▲ 1.92% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.92% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
3 Month CD or IRA CD
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Interest paid at term or maturity of CD

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate
$500
3.85% ▲ 1.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.90% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Month Certificate
$0
3.75% ▲ 1.80% above Missouri avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 3 Month
$0
3.75% ▲ 1.80% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.80% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
90 Day CD Special
$0
3.65% ▲ 1.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.70% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 13, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day CD
$1,000
3.65% ▲ 1.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
$0
3.61% ▲ 1.66% above Missouri avg
View
▼
Rate3.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.66% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 11, 2026: 3.51% APYOct 7, 2026: 3.61% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.61%▲ from 3.51%
  • Sep 11, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
CommunityAmerica Credit Union
3 Month Business Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union
3 Month IRA Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union
3 Month Share Certificate
$0
3.60% ▲ 1.65% above Missouri avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average1.95%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
First Bank of the Lake
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month CD
$1,000
3.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.45% above avgNationally 2.09%
Details

APY* (In Branch)

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 month CD/IRA
$0
3.35% ▲ 1.40% above Missouri avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.40% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 11, 2026: 3.25% APYOct 7, 2026: 3.35% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.35%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month CD
$0
3.25% ▲ 1.30% above Missouri avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.30% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 3 Months
$500
3.19% ▲ 1.24% above Missouri avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.24% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 3 Month
$0
3.03% ▲ 1.08% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 1.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Certificate
$0
3.02% ▲ 1.07% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 6 times
2.52%3.02%3.52%Sep 14, 2026: 3.02% APYSep 14, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
90 Day Certificate
$1,000
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 90 Day Certificate
$1,000
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Kennett Trust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.85%
3 Month Certificate
$0
3.00% ▲ 1.05% above Missouri avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average1.95%▲ 1.05% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 13, 2026
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3 Month Share Certificate
$0
2.95% ▲ 1.00% above Missouri avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average1.95%▲ 1.00% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90% ▲ 0.95% above Missouri avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average1.95%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.88% ▲ 0.93% above Missouri avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.93% above avgNationally 2.09%
Details

Balance: $100,000.00+

Rate History
No change since Oct 8, 2026 · 2.88% APY · checked 2 times
2.38%2.88%3.38%Oct 8, 2026: 2.88% APYOct 8, 2026Oct 13, 2026
Bank of Salem MO
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Certificate
$1,000
2.83% ▲ 0.88% above Missouri avg
View
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average1.95%▲ 0.88% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 8, 2026 · 2.83% APY · checked 2 times
2.33%2.83%3.33%Oct 8, 2026: 2.83% APYOct 8, 2026Oct 13, 2026

Springfield 6 Month CD Rates

Missouri 6 Month CD Average2.91% APYNational 2.78%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
6 Month Certificate
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.78%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
6 Month Certificates of Deposit
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
6 Month CD
$1,000
3.77% ▲ 0.86% above Missouri avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.77% APY · checked 2 times
3.27%3.77%4.27%Sep 7, 2026: 3.77% APYSep 7, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
6 Month IRA CD
$0
3.70% ▲ 0.79% above Missouri avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 0.79% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
4625 S National Ave, Springfield, MO 65810
6-month CD
$0
3.65% ▲ 0.74% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.74% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
6 Month Certificate of Deposit
$0
3.60% ▲ 0.69% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.78%
Details

Balance: $100,000.00 and over; Certificates of Deposit (Personal & Business)

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.60%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month Certificate of Deposit
$1,000
3.60% ▲ 0.69% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.69% above avgNationally 2.78%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
6 Month Certificate of Deposit
$0
3.55% ▲ 0.64% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.78%
Details

Balance: $50,000.00 - $99,999.99; Certificates of Deposit (Personal & Business)

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.55% ▼ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.55%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month Certificate of Deposit
$1,000
3.55% ▲ 0.64% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.78%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
6-Month HSA CD
$0
3.55% ▲ 0.64% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
6-Month IRA CD
$0
3.55% ▲ 0.64% above Missouri avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.78%
Details

Printed as 3.50% APR / 3.55% APY

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 6 Month
$1,000
3.55% ▲ 0.64% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
6 Month Certificate of Deposit
$0
3.50% ▲ 0.59% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99; Certificates of Deposit (Personal & Business)

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.50%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month Certificate of Deposit
$1,000
3.50% ▲ 0.59% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.59% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO 65804
6-Month CD
$0
3.45% ▲ 0.54% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.54% above avgNationally 2.78%
Details

Compounds: Six Months

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
331 South Ave, Springfield, MO 65806
6-Month CD
$1,000
3.40% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
6 Month Certificate of Deposit
$0
3.40% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Certificates of Deposit (Personal & Business)

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.40%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 6 Month Certificate of Deposit
$1,000
3.40% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 0.49% above avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
6 Month CD
$500
3.24% ▲ 0.33% above Missouri avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 0.33% above avgNationally 2.78%
Details

Compounding: at maturity

Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 6 times
2.74%3.24%3.74%Sep 18, 2026: 3.24% APYSep 18, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
6 Month CD
$1,000
2.52% ▼ 0.39% below Missouri avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.39% below avgNationally 2.78%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
6 Month Certificates of Deposit
$1,000
2.50% ▼ 0.41% below Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▼ 0.41% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
6 Month CD
$1,000
0.60% ▼ 2.31% below Missouri avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▼ 2.31% below avgNationally 2.78%
Details

Rate History
No change since Sep 8, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 8, 2026: 0.60% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
6 Month Certificate
$1,000
0.25% ▼ 2.66% below Missouri avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▼ 2.66% below avgNationally 2.78%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Teen CD
$1,000
10.00% ▲ 7.09% above Missouri avg
View
▼
Rate9.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.91%▲ 7.09% above avgNationally 2.78%
Details

max $1,000

Rate History
No change since Sep 14, 2026 · 10.00% APY · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APYSep 14, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.78%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75% ▲ 1.84% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APYOct 6, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.67% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.67% above avgNationally 2.78%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month FDIC-Insured Certificate of Deposit
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 24, 2026: 4.20% APYOct 3, 2026: 4.25% APYOct 7, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.25%
  • Oct 3, 20264.25%▲ from 4.20%
  • Sep 24, 20264.20%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 6 Month
$0
4.30% ▲ 1.39% above Missouri avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.39% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24% ▲ 1.33% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.33% above avgNationally 2.78%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.23% ▲ 0.33 pts · high 4.23% / low 3.90%
3.40%4.07%4.73%Sep 14, 2026: 3.90% APYSep 27, 2026: 3.97% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 3.97%
  • Sep 27, 20263.97%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months Jumbo IRA
$100,000
4.23% ▲ 1.32% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 10, 2026: 4.23% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo+ Certificate
$100,000
4.22% ▲ 1.31% above Missouri avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.31% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.22% ▲ 0.32 pts · high 4.22% / low 3.90%
3.40%4.06%4.72%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.22% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$2,000
4.19% ▲ 1.28% above Missouri avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.28% above avgNationally 2.78%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Months Jumbo Certificate
$10,000
4.16% ▲ 1.25% above Missouri avg
View
▼
Rate4.10%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.25% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.16% ▲ 0.26 pts · high 4.16% / low 3.90%
3.40%4.03%4.66%Sep 18, 2026: 3.90% APYSep 27, 2026: 3.96% APYOct 10, 2026: 4.16% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.16%▲ from 3.96%
  • Sep 27, 20263.96%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 6 Month
$0
4.14% ▲ 1.23% above Missouri avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.91%▲ 1.23% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 8, 2026: 4.14% APYOct 8, 2026Oct 13, 2026
MRV Banks
Institution Rating:
F1.6 ★Texas Ratio: 56.27%
3 or 6 Month CD
$1,000
4.10% ▲ 1.19% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.19% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 7, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 7, 2026: 3.85% APYSep 19, 2026: 4.10% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.10%▲ from 3.85%
  • Sep 7, 20263.85%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6-Month Special CD
$0
4.09% ▲ 1.18% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Oct 7, 2026: 4.09% APYOct 7, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
CD Terms - 6 Month
$0
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

As of 10/01/2026

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.07% ▲ 0.11 pts · high 4.07% / low 3.96%
3.46%4.02%4.57%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 6 Months
$500
4.07% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$500
4.06% ▲ 1.15% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.15% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 14, 2026: 3.96% APYOct 10, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.06%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 6-Month
$1,000
4.05% ▲ 1.14% above Missouri avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.91%▲ 1.14% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 6 Months
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00% ▲ 1.09% above Missouri avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.91%▲ 1.09% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded

Springfield 12 Month CD Rates

Missouri 12 Month CD Average3.11% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
12-Month Certificate of Deposit
$500
4.20% ▲ 1.09% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.09% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
12 Month Certificate
$1,000
4.05% ▲ 0.94% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.94% above avgNationally 2.99%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
12 Month Fixed
$0
3.82% ▲ 0.71% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 7, 2026: 3.82% APYSep 7, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
12 Month Certificates of Deposit
$0
3.80% ▲ 0.69% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
12 Month CD
$0
3.80% ▲ 0.69% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
12 Month Variable
$0
3.72% ▲ 0.61% above Missouri avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.72% APY · checked 7 times
3.22%3.72%4.22%Sep 7, 2026: 3.72% APYSep 7, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
12 Month CD
$1,000
3.62% ▲ 0.51% above Missouri avg
View
▼
Rate3.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 0.51% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.62% APY · checked 2 times
3.12%3.62%4.12%Sep 7, 2026: 3.62% APYSep 7, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 12 Month Certificate of Deposit
$1,000
3.60% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.49% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 12 Month
$1,000
3.60% ▲ 0.49% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.49% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 12 Month Certificate of Deposit
$1,000
3.55% ▲ 0.44% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.44% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 12 Month
$1,000
3.55% ▲ 0.44% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.44% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 12 Month Certificate of Deposit
$1,000
3.50% ▲ 0.39% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 12 Month
$1,000
3.50% ▲ 0.39% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
12 Month Certificates of Deposit
$1,000
3.50% ▲ 0.39% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 12 Month Certificate of Deposit
$1,000
3.40% ▲ 0.29% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.29% above avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 12 Month
$1,000
3.40% ▲ 0.29% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 0.29% above avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
12 Month CD
$500
3.03% ▼ 0.08% below Missouri avg
View
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▼ 0.08% below avgNationally 2.99%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO 65804
12-Month CD
$0
3.00% ▼ 0.11% below Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▼ 0.11% below avgNationally 2.99%
Details

Compounds: 12 Months

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
12-Month IRA CD
$0
2.89% ▼ 0.22% below Missouri avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▼ 0.22% below avgNationally 2.99%
Details

Printed as 2.85% APR / 2.89% APY

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 6 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 12 Month
$1,000
2.89% ▼ 0.22% below Missouri avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▼ 0.22% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 6 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
12 Month CD
$1,000
2.78% ▼ 0.33% below Missouri avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▼ 0.33% below avgNationally 2.99%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
12 Month CD
$1,000
0.70% ▼ 2.41% below Missouri avg
View
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▼ 2.41% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 8, 2026: 0.70% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
1 Year Certificate
$1,000
0.50% ▼ 2.61% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▼ 2.61% below avgNationally 2.99%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
Southeast Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 month Youth CD
$100
6.14% ▲ 3.03% above Missouri avg
View
▼
Rate6.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 3.03% above avgNationally 2.99%
Details

$1000.00 Maximum

Rate History
No change since Oct 10, 2026 · 6.14% APY
5.64%6.14%6.64%Oct 10, 2026: 6.14% APYOct 10, 2026Oct 13, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
1 Year Certificate of Deposit
$5,000
5.09% ▲ 1.98% above Missouri avg
View
▼
Rate5.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.98% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 5.09% APY · checked 6 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APYSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month 75th Anniversary Certificates of Deposit
$7,500
4.84% ▲ 1.73% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.73% above avgNationally 2.99%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.84% APY
4.34%4.84%5.34%Oct 10, 2026: 4.84% APYOct 10, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 1.49% above Missouri avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.49% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year FDIC-Insured Certificate of Deposit
$0
4.55% ▲ 1.44% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 1.44% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
3.85%4.45%5.05%Sep 24, 2026: 4.35% APYSep 27, 2026: 4.37% APYOct 3, 2026: 4.50% APYOct 7, 2026: 4.55% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.55%▲ from 4.50%
  • Oct 3, 20264.50%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 13, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 12 months
$0
4.50% ▲ 1.39% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 12 Month
$0
4.40% ▲ 1.29% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - Youth 12 Month
$0
4.40% ▲ 1.29% above Missouri avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo IRA
$100,000
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.39% ▲ 0.29 pts · high 4.39% / low 4.10%
3.60%4.24%4.89%Sep 14, 2026: 4.10% APYSep 27, 2026: 4.18% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.18%
  • Sep 27, 20264.18%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months Jumbo IRA
$100,000
4.39% ▲ 1.28% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.28% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.39% APY
3.89%4.39%4.89%Oct 10, 2026: 4.39% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.26% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.26% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.37% ▲ 0.27 pts · high 4.37% / low 4.10%
3.60%4.23%4.87%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.24% above Missouri avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.24% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.24% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.24% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Months Jumbo Certificate
$10,000
4.32% ▲ 1.21% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.21% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 4.10% → 4.32% ▲ 0.22 pts · high 4.32% / low 4.10%
3.60%4.21%4.82%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.16% APYOct 10, 2026: 4.32% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.32%▲ from 4.16%
  • Sep 27, 20264.16%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.25%▼ from 4.60%
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificate - 12 Months
$500
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.18% APYOct 13, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.18%
  • Oct 1, 20264.18%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 1-Year
$1,000
4.25% ▲ 1.14% above Missouri avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 24, 2026: 4.05% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
4.23% ▲ 1.12% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 12 Months
$500
4.23% ▲ 1.12% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
4.22% ▲ 1.11% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.11%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 1 year
$0
4.20% ▲ 1.09% above Missouri avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.11%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
4.19% ▲ 1.08% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.11%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 13, 2026
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12-Month Special CD
$0
4.15% ▲ 1.04% above Missouri avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.11%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Share Certificate - 12-Month IRA
$0
4.11% ▲ 1.00% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.00% above avgNationally 2.99%
Details

Balance: $25,000 and over

Rate History
No change since Oct 13, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 13, 2026: 4.11% APYOct 13, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate - 12-Month
$0
4.11% ▲ 1.00% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.11%▲ 1.00% above avgNationally 2.99%
Details

Balance: $25,000 and over; Dividends compounded per certificate type; daily balance method

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.11%▲ from 3.91%
  • Sep 14, 20263.91%first recorded

Springfield 18 Month CD Rates

Missouri 18 Month CD Average2.95% APYNational 2.87%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
18-Month Certificate of Deposit
$500
4.40% ▲ 1.45% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.45% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3570 S National Ave, Springfield, MO 65807
18 Month Certificate
$0
4.31% ▲ 1.36% above Missouri avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 4.31% APY · checked 6 times
3.81%4.31%4.81%Sep 8, 2026: 4.31% APYSep 8, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
18 Month Certificates of Deposit
$1,000
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
18 Month IRA CD
$0
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
18 Month Fixed
$0
3.67% ▲ 0.72% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.72% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.67% APY · checked 7 times
3.17%3.67%4.17%Sep 7, 2026: 3.67% APYSep 7, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
18 Month Certificates of Deposit
$0
3.65% ▲ 0.70% above Missouri avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
18 Month CD
$1,000
3.55% ▲ 0.60% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.60% above avgNationally 2.87%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
18 Month Variable
$0
3.51% ▲ 0.56% above Missouri avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.56% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 7, 2026: 3.51% APYSep 7, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
18 Month Certificate
$1,000
2.98% ▲ 0.03% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.03% above avgNationally 2.87%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 2.98% APY · checked 8 times
2.48%2.98%3.48%Sep 8, 2026: 2.98% APYSep 8, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
18 Month CD
$500
2.92% ▼ 0.03% below Missouri avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▼ 0.03% below avgNationally 2.87%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 2.92% APY · checked 6 times
2.42%2.92%3.42%Sep 18, 2026: 2.92% APYSep 18, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
18-Month IRA CD
$0
2.53% ▼ 0.42% below Missouri avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▼ 0.42% below avgNationally 2.87%
Details

Printed as 2.50% APR / 2.53% APY

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 18 Month
$1,000
2.53% ▼ 0.42% below Missouri avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▼ 0.42% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
18 Month CD
$1,000
1.36% ▼ 1.59% below Missouri avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▼ 1.59% below avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Sep 7, 2026: 1.36% APYSep 7, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
18 Month CD
$1,000
0.75% ▼ 2.20% below Missouri avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▼ 2.20% below avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 8, 2026: 0.75% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
18 Month Certificate
$1,000
0.50% ▼ 2.45% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▼ 2.45% below avgNationally 2.87%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month YOUTH Fair CD Special
$0
4.90% ▲ 1.95% above Missouri avg
View
▼
Rate4.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.95% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 11, 2026 · 4.90% APY · checked 7 times
4.40%4.90%5.40%Sep 11, 2026: 4.90% APYSep 11, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month FDIC-Insured Certificate of Deposit
$0
4.75% ▲ 1.80% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.80% above avgNationally 2.87%
Details

Rate History
3 changes since Sep 24, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 24, 2026: 4.50% APYSep 27, 2026: 4.55% APYOct 3, 2026: 4.70% APYOct 11, 2026: 4.75% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20264.75%▲ from 4.70%
  • Oct 3, 20264.70%▲ from 4.55%
  • Sep 27, 20264.55%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate of Deposit
$1,000
4.52% ▲ 1.57% above Missouri avg
View
▼
Rate4.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.57% above avgNationally 2.87%
Details

Compound Method: Calculated Daily, Compounded Semi-annually

Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
4.02%4.52%5.02%Oct 7, 2026: 4.52% APYOct 7, 2026Oct 13, 2026
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 MONTHS IRA
$500
4.50% ▲ 1.55% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.55% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.39% ▲ 0.14 pts · high 4.39% / low 4.25%
3.75%4.32%4.89%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 27, 20264.33%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months Jumbo IRA
$100,000
4.39% ▲ 1.44% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.44% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33%
3.83%4.36%4.89%Sep 14, 2026: 4.33% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo+ Certificate
$100,000
4.37% ▲ 1.42% above Missouri avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.42% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.37% ▲ 0.17 pts · high 4.37% / low 4.20%
3.70%4.29%4.87%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYOct 10, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.32%
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Community Bank of Marshall
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month IRA Certificate
$500
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.87%
Details

Compounded Semi-Annually

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Rising CD 18-Month
$5,000
4.35% ▲ 1.40% above Missouri avg
View
▼
Rate4.28%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.40% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 4.35% ▲ 1.30 pts · high 4.35% / low 3.05%
1.75%3.70%5.65%Sep 24, 2026: 3.05% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.35%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Months Jumbo Certificate
$10,000
4.32% ▲ 1.37% above Missouri avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.37% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20%
3.70%4.26%4.82%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.32% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.32%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25% ▲ 1.30% above Missouri avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.95%▲ 1.30% above avgNationally 2.87%
Details

Balance: $5,000 and over

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16%
3.66%4.20%4.73%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 18 Months
$500
4.23% ▲ 1.28% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Sep 14, 2026: 4.18% APYOct 10, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate
$500
4.22% ▲ 1.27% above Missouri avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.27% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16%
3.66%4.19%4.72%Sep 14, 2026: 4.16% APYOct 10, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.22%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Citizens Bank New Haven, MO
Institution Rating:
B4.6 ★Texas Ratio: 19.42%
18 Month CD
$500
4.20% ▲ 1.25% above Missouri avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 19, 2026: 4.20% APYSep 19, 2026Oct 13, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.22% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 1.22% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 1.20% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
18 Month CD or IRA CD
$500
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 18 Months
$1,000
4.15% ▲ 1.20% above Missouri avg
View
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
18 Month Certificates of Deposit
$0
4.12% ▲ 1.17% above Missouri avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 1.17% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 0.55% → 4.12% ▲ 3.57 pts · high 4.12% / low 0.55%
0.00%3.85%7.69%Sep 19, 2026: 0.55% APYSep 27, 2026: 4.12% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20264.12%▲ from 0.55%
  • Sep 19, 20260.55%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Premium Certificate of Deposit
$0
4.00% ▲ 1.05% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 1.05% above avgNationally 2.87%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
CD's - 18 months
$0
3.96% ▲ 1.01% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 1.01% above avgNationally 2.87%
Details

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 13, 2026: 3.96% APYOct 13, 2026Oct 13, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.72%
CD 18 Months
$1,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 7, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Business In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month In-House Specials - Certificates of Deposit
$5,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Premier CD
$25,000
3.85% ▲ 0.90% above Missouri avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
18 Month Certificate
$1,000
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.85% above Missouri avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 month ADVANTAGE CD/IRA
$0
3.76% ▲ 0.81% above Missouri avg
View
▼
Rate3.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.95%▲ 0.81% above avgNationally 2.87%
Details

Rate History
1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 11, 2026: 3.66% APYOct 7, 2026: 3.76% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.76%▲ from 3.66%
  • Sep 11, 20263.66%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.80% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Share Certificates - 18 Month
$0
3.75% ▲ 0.80% above Missouri avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month IRA Certificate
$500
3.75% ▲ 0.80% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.80% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.75% above Missouri avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.95%▲ 0.75% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026

Springfield 24 Month CD Rates

Missouri 24 Month CD Average3.03% APYNational 2.88%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
24 Month Certificate
$1,000
4.05% ▲ 1.02% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.02% above avgNationally 2.88%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
24 Month IRA CD
$0
3.91% ▲ 0.88% above Missouri avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month Certificate of Deposit
$1,000
3.60% ▲ 0.57% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.57% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 24 Month
$1,000
3.60% ▲ 0.57% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.57% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month Certificate of Deposit
$1,000
3.55% ▲ 0.52% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 24 Month
$1,000
3.55% ▲ 0.52% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
24 Month CD
$1,000
3.55% ▲ 0.52% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.52% above avgNationally 2.88%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
24-Month Certificate of Deposit
$500
3.51% ▲ 0.48% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 18, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month Certificate of Deposit
$1,000
3.50% ▲ 0.47% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.47% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 24 Month
$1,000
3.50% ▲ 0.47% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.47% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
24 Month Certificates of Deposit
$0
3.44% ▲ 0.41% above Missouri avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 19, 2026: 3.44% APYSep 19, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 24 Month Certificate of Deposit
$1,000
3.40% ▲ 0.37% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.37% above avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 24 Month
$1,000
3.40% ▲ 0.37% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.37% above avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
24 Month CD
$500
3.21% ▲ 0.18% above Missouri avg
View
▼
Rate3.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.18% above avgNationally 2.88%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 3.21% APY · checked 6 times
2.71%3.21%3.71%Sep 18, 2026: 3.21% APYSep 18, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
24 Month CD
$1,000
3.20% ▲ 0.17% above Missouri avg
View
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 7, 2026: 3.20% APYSep 7, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO 65804
24-Month CD
$0
3.15% ▲ 0.12% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▲ 0.12% above avgNationally 2.88%
Details

Compounds: 24 Months

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
24-Month IRA CD
$0
2.53% ▼ 0.50% below Missouri avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.50% below avgNationally 2.88%
Details

Printed as 2.50% APR / 2.53% APY

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 24 Month
$1,000
2.53% ▼ 0.50% below Missouri avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average3.03%▼ 0.50% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
24 Month CD
$1,000
0.85% ▼ 2.18% below Missouri avg
View
▼
Rate0.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▼ 2.18% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 8 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
2 Year Certificate
$1,000
0.50% ▼ 2.53% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▼ 2.53% below avgNationally 2.88%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 1.97% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.97% above avgNationally 2.88%
Details

Rate History
4 changes since Sep 24, 2026 · 4.60% → 5.00% ▲ 0.40 pts · high 5.00% / low 4.60%
4.10%4.80%5.50%Sep 24, 2026: 4.60% APYSep 27, 2026: 4.65% APYOct 3, 2026: 4.85% APYOct 7, 2026: 4.90% APYOct 11, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.00%▲ from 4.90%
  • Oct 7, 20264.90%▲ from 4.85%
  • Oct 3, 20264.85%▲ from 4.65%
  • Sep 27, 20264.65%▲ from 4.60%
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 1.78% above Missouri avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.78% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.55% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.55% above avgNationally 2.88%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 1.52% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average3.03%▲ 1.52% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Months Jumbo IRA
$100,000
4.44% ▲ 1.41% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.44% ▲ 0.14 pts · high 4.44% / low 4.30%
3.80%4.37%4.94%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYOct 10, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.44%▲ from 4.39%
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 24 Months Jumbo IRA
$100,000
4.44% ▲ 1.41% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.44% ▲ 0.05 pts · high 4.44% / low 4.39%
3.89%4.42%4.94%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.44%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Months Jumbo+ Certificate
$100,000
4.42% ▲ 1.39% above Missouri avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.39% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30%
3.80%4.36%4.92%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.42% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.42%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Months Jumbo Certificate
$10,000
4.37% ▲ 1.34% above Missouri avg
View
▼
Rate4.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.37% ▲ 0.07 pts · high 4.37% / low 4.30%
3.80%4.34%4.87%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.32% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
24 Month CD
$0
4.32% ▲ 1.29% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 4.32% ▲ 1.03 pts · high 4.32% / low 3.29%
2.26%3.81%5.35%Sep 7, 2026: 3.29% APYOct 3, 2026: 4.32% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.32%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Rising Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Term CD 2-Year
$1,000
4.30% ▲ 1.27% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.00% → 4.30% ▲ 1.30 pts · high 4.30% / low 3.00%
1.70%3.65%5.60%Sep 24, 2026: 3.00% APYOct 6, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.30%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$500
4.28% ▲ 1.25% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.28% ▲ 0.06 pts · high 4.28% / low 4.22%
3.72%4.25%4.78%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.28%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 24 Months
$500
4.28% ▲ 1.25% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23%
3.73%4.26%4.78%Sep 14, 2026: 4.23% APYOct 10, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate
$500
4.27% ▲ 1.24% above Missouri avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22%
3.72%4.24%4.77%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.27%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24-Month Special CD
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
24 Month CD or IRA CD
$500
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 8, 2026: 4.25% APYSep 8, 2026Oct 13, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
24 Month Certificate
$0
4.25% ▲ 1.22% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.22% above avgNationally 2.88%
Details

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

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
3.50%4.11%4.71%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.21% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.21%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.17% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.17% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★Texas Ratio: 12.91%
24 Month OASIS SPECIALS CERTIFICATE OF DEPOSIT
$1,000
4.16% ▲ 1.13% above Missouri avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 7, 2026: 4.16% APYOct 7, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.08% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.08% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
2 year Certificate of Deposit (CD)
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
2.60%3.73%4.85%Sep 7, 2026: 3.35% APYSep 27, 2026: 4.10% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.35%
  • Sep 7, 20263.35%first recorded
CommunityAmerica Credit Union
24 Month IRA Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
24 Month Share Certificate
$0
4.10% ▲ 1.07% above Missouri avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
24 Month Business Certificate
$0
4.09% ▲ 1.06% above Missouri avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average3.03%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.09% ▲ 0.64 pts · high 4.09% / low 3.45%
2.81%3.77%4.73%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.09%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
4.08% ▲ 1.05% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Business In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
F&M Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month In-House Specials - Certificates of Deposit
$5,000
4.06% ▲ 1.03% above Missouri avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average3.03%▲ 1.03% above avgNationally 2.88%
Details

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

$1,000 minimum balance

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026

Springfield 36 Month CD Rates

Missouri 36 Month CD Average2.77% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
36 Month IRA CD
$0
3.96% ▲ 1.19% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.60% ▲ 0.83% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.60% ▲ 0.83% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.83% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.55% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.55% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.78% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
36-Month Certificate of Deposit
$500
3.51% ▲ 0.74% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.50% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.73% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
36 Month Fixed
$0
3.46% ▲ 0.69% above Missouri avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.46% APY · checked 7 times
2.96%3.46%3.96%Sep 7, 2026: 3.46% APYSep 7, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
36 Month CD
$1,000
3.42% ▲ 0.65% above Missouri avg
View
▼
Rate3.37%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.65% above avgNationally 2.81%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.42% APY · checked 2 times
2.92%3.42%3.92%Sep 14, 2026: 3.42% APYSep 14, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 36 Month Certificate of Deposit
$1,000
3.40% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.63% above avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit (Personal & Business) - 36 Month
$0
3.40% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.63% above avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
36 Month Certificates of Deposit
$0
3.34% ▲ 0.57% above Missouri avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.57% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 19, 2026: 3.34% APYSep 19, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
36 Month Variable
$0
3.30% ▲ 0.53% above Missouri avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 7, 2026: 3.30% APYSep 7, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO 65804
36-Month CD
$0
3.30% ▲ 0.53% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.53% above avgNationally 2.81%
Details

Compounds: 36 Months

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
36 Month Certificate
$1,000
3.25% ▲ 0.48% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.48% above avgNationally 2.81%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 8, 2026: 3.25% APYSep 8, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
36-Month IRA CD
$0
3.15% ▲ 0.38% above Missouri avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.38% above avgNationally 2.81%
Details

Printed as 3.10% APR / 3.15% APY

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 36 Month
$1,000
3.15% ▲ 0.38% above Missouri avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.77%▲ 0.38% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
36 Month CD
$500
3.01% ▲ 0.24% above Missouri avg
View
▼
Rate2.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 0.24% above avgNationally 2.81%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 3.01% APY · checked 6 times
2.51%3.01%3.51%Sep 18, 2026: 3.01% APYSep 18, 2026Oct 13, 2026
Table Rock Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3550 South National Avenue, Springfield, MO 65807
36 Month CD
$1,000
2.50% ▼ 0.27% below Missouri avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▼ 0.27% below avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 7, 2026: 2.50% APYSep 7, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
36 Month CD
$1,000
0.90% ▼ 1.87% below Missouri avg
View
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▼ 1.87% below avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 8, 2026: 0.90% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
3 Year Certificate
$1,000
0.50% ▼ 2.27% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▼ 2.27% below avgNationally 2.81%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02% ▲ 2.25% above Missouri avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 2.25% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year FDIC-Insured Certificate of Deposit
$0
5.00% ▲ 2.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 2.23% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 24, 2026: 4.75% APYSep 27, 2026: 4.90% APYOct 3, 2026: 5.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20265.00%▲ from 4.90%
  • Sep 27, 20264.90%▲ from 4.75%
  • Sep 24, 20264.75%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71% ▲ 1.94% above Missouri avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.94% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
36 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.81% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.81% above avgNationally 2.81%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.24 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APYSep 27, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 27, 20264.39%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 36 Months Jumbo IRA
$100,000
4.54% ▲ 1.77% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
3.89%4.47%5.04%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Months Jumbo+ Certificate
$100,000
4.52% ▲ 1.75% above Missouri avg
View
▼
Rate4.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.75% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30%
3.80%4.41%5.02%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Months Jumbo Certificate
$10,000
4.47% ▲ 1.70% above Missouri avg
View
▼
Rate4.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.70% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.47% ▲ 0.17 pts · high 4.47% / low 4.30%
3.80%4.39%4.97%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.37% APYOct 10, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.47%▲ from 4.37%
  • Sep 27, 20264.37%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$500
4.39% ▲ 1.62% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.39% ▲ 0.17 pts · high 4.39% / low 4.22%
3.72%4.31%4.89%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 36 Months
$500
4.39% ▲ 1.62% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23%
3.73%4.31%4.89%Sep 14, 2026: 4.23% APYOct 10, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$500
4.37% ▲ 1.60% above Missouri avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.60% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 14, 2026: 4.22% APYOct 10, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.37%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
36 Month CD or IRA CD
$500
4.35% ▲ 1.58% above Missouri avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 8, 2026: 4.35% APYSep 8, 2026Oct 13, 2026
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month CD
$0
4.32% ▲ 1.55% above Missouri avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.77%▲ 1.55% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.43% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.43% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36-Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15% ▲ 1.38% above Missouri avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.38% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.34% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.34% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.33% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
4.08% ▲ 1.31% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
United Bank of Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.38%
36 Month Certificate Special
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.23% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 3 year
$0
3.95% ▲ 1.18% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.77%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month Jumbo CD
$50,000
3.91% ▲ 1.14% above Missouri avg
View
▼
Rate3.85%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.77%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 11, 2026: 3.91% APYSep 11, 2026Oct 13, 2026

Springfield 48 Month CD Rates

Missouri 48 Month CD Average2.82% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
48 Month IRA CD
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.60%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.60% ▲ 0.78% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.78% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.55% ▼ 0.45 pts · high 4.00% / low 3.55%
3.05%3.78%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.55%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
48 Month CD
$1,000
3.55% ▲ 0.73% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.73% above avgNationally 2.80%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
48-Month Certificate of Deposit
$500
3.51% ▲ 0.69% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.69% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.50%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificate of Deposit
$1,000
3.40% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
1 change since Oct 9, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Oct 9, 2026: 4.00% APYOct 13, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20263.40%▼ from 4.00%
  • Oct 9, 20264.00%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 48 Month Certificate of Deposit
$1,000
3.40% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.82%▲ 0.58% above avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
48 Month Certificate
$1,000
3.25% ▲ 0.43% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.43% above avgNationally 2.80%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 8, 2026: 3.25% APYSep 8, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
48 Month Fixed
$0
3.20% ▲ 0.38% above Missouri avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 7, 2026: 3.20% APYSep 7, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
48 Month Certificates of Deposit
$0
3.19% ▲ 0.37% above Missouri avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.37% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 19, 2026: 3.19% APYSep 19, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
48 Month CD
$500
3.08% ▲ 0.26% above Missouri avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.26% above avgNationally 2.80%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 3.08% APY · checked 6 times
2.58%3.08%3.58%Sep 18, 2026: 3.08% APYSep 18, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
48 Month CD
$1,000
0.95% ▼ 1.87% below Missouri avg
View
▼
Rate0.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▼ 1.87% below avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 8, 2026: 0.95% APYSep 8, 2026Oct 13, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
4 Year Certificate
$1,000
0.50% ▼ 2.32% below Missouri avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▼ 2.32% below avgNationally 2.80%
Details

Available as IRA in Branch:

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year FDIC-Insured Certificate of Deposit
$0
5.10% ▲ 2.28% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 2.28% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 24, 2026 · 4.85% → 5.10% ▲ 0.25 pts · high 5.10% / low 4.85%
4.35%4.98%5.60%Sep 24, 2026: 4.85% APYSep 27, 2026: 4.95% APYOct 3, 2026: 5.00% APYOct 7, 2026: 5.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20265.10%▲ from 5.00%
  • Oct 3, 20265.00%▲ from 4.95%
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 24, 20264.85%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Months Jumbo IRA
$100,000
4.65% ▲ 1.83% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.83% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55%
4.05%4.60%5.15%Sep 14, 2026: 4.55% APYSep 27, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months Jumbo IRA
$100,000
4.65% ▲ 1.83% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.65% APY · checked 6 times
4.15%4.65%5.15%Sep 14, 2026: 4.65% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Months Jumbo+ Certificate
$100,000
4.63% ▲ 1.81% above Missouri avg
View
▼
Rate4.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.81% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.63% ▲ 0.08 pts · high 4.63% / low 4.55%
4.05%4.59%5.13%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.63% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.63%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.76% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Months Jumbo Certificate
$10,000
4.58% ▲ 1.76% above Missouri avg
View
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.76% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.55% → 4.58% ▲ 0.03 pts · high 4.58% / low 4.55%
4.05%4.56%5.08%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.58% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.58%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$500
4.49% ▲ 1.67% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.67% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.47% → 4.49% ▲ 0.02 pts · high 4.49% / low 4.47%
3.97%4.48%4.99%Sep 14, 2026: 4.47% APYOct 10, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.49%▲ from 4.47%
  • Sep 14, 20264.47%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 48 Months
$500
4.49% ▲ 1.67% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.49% APY · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$500
4.47% ▲ 1.65% above Missouri avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.47% APY · checked 6 times
3.97%4.47%4.97%Sep 14, 2026: 4.47% APYSep 14, 2026Oct 13, 2026
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
48 Month CD or IRA CD
$500
4.40% ▲ 1.58% above Missouri avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 1.58% above avgNationally 2.80%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.40% APY · checked 8 times
3.90%4.40%4.90%Sep 8, 2026: 4.40% APYSep 8, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Dream Fund CD
$100
4.32% ▲ 1.50% above Missouri avg
View
▼
Rate4.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.50% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.32% APY · checked 7 times
3.82%4.32%4.82%Sep 11, 2026: 4.32% APYSep 11, 2026Oct 13, 2026
Heritage Community Bank Union, MO
Institution Rating:
B4.5 ★Texas Ratio: 21.03%
48 Month Certificate
$0
4.25% ▲ 1.43% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 1.43% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15% ▲ 1.33% above Missouri avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.33% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$1,000
4.08% ▲ 1.26% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo Bump Up CD
$50,000
4.06% ▲ 1.24% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month ADVANTAGE CD/IRA
$0
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 11, 2026: 3.85% APYOct 7, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20263.96%▲ from 3.85%
  • Sep 11, 20263.85%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Jumbo CD
$50,000
3.96% ▲ 1.14% above Missouri avg
View
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 4 year
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
CommunityAmerica Credit Union
48 Month Business Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
48 Month IRA Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
48 Month Share Certificate
$0
3.95% ▲ 1.13% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Premium Certificate of Deposit
$0
3.90% ▲ 1.08% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 1.08% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 48 Months
$0
3.85% ▲ 1.03% above Missouri avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.82%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
48 Month Certificates of Deposit
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
48 Month CD
$0
3.80% ▲ 0.98% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 3.29% → 3.80% ▲ 0.51 pts · high 3.80% / low 3.29%
2.78%3.55%4.31%Sep 7, 2026: 3.29% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 3.29%
  • Sep 7, 20263.29%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month CD
$1,000
3.80% ▲ 0.98% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month Bump Up CD
$1,000
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
48 Month Share Certificate of Deposit
$0
3.75% ▲ 0.93% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.82%▲ 0.93% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 13, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded

Springfield 60 Month CD Rates

Missouri 60 Month CD Average2.92% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sullivan Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
2655 S Campbell Ave, Springfield, MO 65807
60 Months Special CD
$1,000
4.30% ▲ 1.38% above Missouri avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 1.38% above avgNationally 2.90%
Details

Available as IRA in Branch:

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Oct 13, 2026
Phelps County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
334 E Walnut Street, Springfield, MO 65806
60 Month IRA CD
$0
3.96% ▲ 1.04% above Missouri avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 8, 2026: 3.96% APYOct 8, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.60% ▲ 0.68% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO 65803
60 Month CD
$1,000
3.55% ▲ 0.63% above Missouri avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Certificate dividends paid monthly; Penalty may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2021 E Independence St, Springfield, MO 65804
60-Month Certificate of Deposit
$500
3.51% ▲ 0.59% above Missouri avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.50% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.50% ▲ 0.58% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Business 60 Month Certificate of Deposit
$1,000
3.40% ▲ 0.48% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Certificates of Deposit - 60 Month
$1,000
3.40% ▲ 0.48% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Personal & Business; Penalty may apply for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
60-Month IRA CD
$0
3.35% ▲ 0.43% above Missouri avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.43% above avgNationally 2.90%
Details

Printed as 3.30% APR / 3.35% APY

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2155 E Sunshine St, Springfield, MO 65804 1816
CD - 60 Month
$1,000
3.35% ▲ 0.43% above Missouri avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Regent Bank (OK)
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3721 E Battlefield St, Springfield, MO 65809
60 Month Certificate
$1,000
3.25% ▲ 0.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Limited time offer. Rates apply to new deposits only.

Rate History
No change since Sep 8, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 8, 2026: 3.25% APYSep 8, 2026Oct 13, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★Texas Ratio: 9.58%
3807 S Campbell Ave, Springfield, MO 65807
60 Month CD
$500
3.18% ▲ 0.26% above Missouri avg
View
▼
Rate3.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.26% above avgNationally 2.90%
Details

Compounding: semi-annually

Rate History
No change since Sep 18, 2026 · 3.18% APY · checked 6 times
2.68%3.18%3.68%Sep 18, 2026: 3.18% APYSep 18, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
60 Month Fixed
$0
3.05% ▲ 0.13% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 7, 2026: 3.05% APYSep 7, 2026Oct 13, 2026
OBannon Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.26%
3120 E Sunshine St, Springfield, MO 65804
60 Month Certificates of Deposit
$0
3.03% ▲ 0.11% above Missouri avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 19, 2026: 3.03% APYSep 19, 2026Oct 13, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1615 E Independence St, Springfield, MO 65804
60 Month CD
$1,000
1.00% ▼ 1.92% below Missouri avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▼ 1.92% below avgNationally 2.90%
Details

Rate History
No change since Sep 8, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 8, 2026: 1.00% APYSep 8, 2026Oct 13, 2026
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year FDIC-Insured Certificate of Deposit
$0
5.20% ▲ 2.28% above Missouri avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 2.28% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.90% → 5.20% ▲ 0.30 pts · high 5.20% / low 4.90%
4.40%5.05%5.70%Sep 24, 2026: 4.90% APYSep 27, 2026: 5.05% APYOct 7, 2026: 5.15% APYOct 11, 2026: 5.20% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20265.20%▲ from 5.15%
  • Oct 7, 20265.15%▲ from 5.05%
  • Sep 27, 20265.05%▲ from 4.90%
  • Sep 24, 20264.90%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo IRA
$100,000
4.70% ▲ 1.78% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.78% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
3.95%4.58%5.20%Sep 14, 2026: 4.45% APYSep 27, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 27, 20264.54%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months Jumbo IRA
$100,000
4.70% ▲ 1.78% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54%
4.04%4.62%5.20%Sep 14, 2026: 4.54% APYOct 10, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.70%▲ from 4.54%
  • Sep 14, 20264.54%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo+ Certificate
$100,000
4.68% ▲ 1.76% above Missouri avg
View
▼
Rate4.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.76% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45%
3.95%4.56%5.18%Sep 18, 2026: 4.45% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.68% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.68%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.45%
  • Sep 18, 20264.45%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Months Jumbo Certificate
$10,000
4.63% ▲ 1.71% above Missouri avg
View
▼
Rate4.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.71% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40%
3.90%4.52%5.13%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.52% APYOct 10, 2026: 4.63% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.63%▲ from 4.52%
  • Sep 27, 20264.52%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month 75th Anniversary Certificates of Deposit
$7,500
4.58% ▲ 1.66% above Missouri avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.66% above avgNationally 2.90%
Details

Get complete details here

Rate History
No change since Oct 10, 2026 · 4.58% APY
4.08%4.58%5.08%Oct 10, 2026: 4.58% APYOct 10, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
4.54% ▲ 1.62% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.54% ▲ 0.17 pts · high 4.54% / low 4.37%
3.87%4.46%5.04%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
IRA & HSA Certificates - 60 Months
$500
4.54% ▲ 1.62% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.62% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39%
3.89%4.47%5.04%Sep 14, 2026: 4.39% APYOct 10, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.54%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
4.52% ▲ 1.60% above Missouri avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.60% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37%
3.87%4.45%5.02%Sep 14, 2026: 4.37% APYOct 10, 2026: 4.52% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.52%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Bank of Washington
Institution Rating:
D3.5 ★Texas Ratio: 33.34%
60 Month CD or IRA CD
$500
4.45% ▲ 1.53% above Missouri avg
View
▼
Rate4.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 1.53% above avgNationally 2.90%
Details

Interest paid quarterly

Rate History
No change since Sep 8, 2026 · 4.45% APY · checked 8 times
3.95%4.45%4.95%Sep 8, 2026: 4.45% APYSep 8, 2026Oct 13, 2026
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Certificate
$0
4.34% ▲ 1.42% above Missouri avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.42% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 11, 2026 · 4.34% APY · checked 7 times
3.84%4.34%4.84%Sep 11, 2026: 4.34% APYSep 11, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25% ▲ 1.33% above Missouri avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.33% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Certificates - 60 Month
$0
4.25% ▲ 1.33% above Missouri avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Metz Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
4.08% ▲ 1.16% above Missouri avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 11, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 11, 2026: 4.08% APYOct 11, 2026Oct 13, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month Jumbo CD
$50,000
4.06% ▲ 1.14% above Missouri avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 13, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
5 Year Certificate
$500
4.06% ▲ 1.14% above Missouri avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 13, 2026
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 month ADVANTAGE CD/IRA
$0
4.01% ▲ 1.09% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 11, 2026: 3.91% APYOct 7, 2026: 4.01% APYSep 11, 2026Oct 13, 2026
  • Oct 7, 20264.01%▲ from 3.91%
  • Sep 11, 20263.91%first recorded
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month CD
$1,000
3.96% ▲ 1.04% above Missouri avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Missouri Average2.92%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 13, 2026
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Basic CD - 5 year
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
CommunityAmerica Credit Union
60 Month Business Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
60 Month IRA Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
60 Month Share Certificate
$0
3.95% ▲ 1.03% above Missouri avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.98% above Missouri avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.98% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Certificate of Deposit (CD) - 60 Months
$0
3.90% ▲ 0.98% above Missouri avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Missouri Average2.92%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.93% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.93% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
60 Month Certificates of Deposit
$1,000
3.80% ▲ 0.88% above Missouri avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Substantial penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Seymour Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
60 Month CD
$0
3.80% ▲ 0.88% above Missouri avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 60 Months
$1,000
3.80% ▲ 0.88% above Missouri avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Missouri Average2.92%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Springfield, Missouri Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Omb Bank
18 Month Certificate
A 5.0 ★ TX: 6.69%
Min: $0
4.31%
Sullivan Bank
60 Months Special CD
A- 4.9 ★ TX: 16.43%
Min: $1,000
4.30%
Regent Bank (OK)
12 Month Certificate
A 5.0 ★ TX: 13.71%
Min: $1,000
4.05%
OBannon Bank
6 Month Certificates of Deposit
A 5.0 ★ TX: 12.26%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Multi-States Credit Union
18 Month Certificates of Deposit
A+ 5.0 ★ TX: 2.17%
Min: $1,000
4.00%
BluCurrent Credit Union
48 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.53%
Min: $1,000
3.60%
Assemblies Of God Credit Union
18 Month CD
B 4.6 ★ TX: 19.27%
Min: $1,000
3.55%
TelComm Credit Union
6-Month HSA CD
A+ 5.0 ★ TX: 1.32%
Min: $0
3.55%
Educational Community Credit Union
6-Month CD
A+ 5.0 ★ TX: 4.72%
Min: $0
3.45%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Springfield, MO CD Rate Trends

Compare local Springfield, MO CD rate quotes against the statewide average

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

View Full Missouri CD Trends
12-Month CD MO Avg
3.112%
▲ 0.015 vs 7 days ago

Missouri 12-month CD rates rose 0.015 points over the past 7 days to 3.112% APY.

6-Month CD MO Avg
2.914%
▲ 0.042 vs 7 days ago

Missouri 6-month CD rates rose 0.042 points over the past 7 days to 2.914% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MO CD Rate Forecast, Next 12 Months

Where are Missouri CD rates headed through October 2027?

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

MO 12-Month Avg APY
3.112%
6-Month Forecast
3.112%
Range: 2.91%, 3.26%
12-Month Forecast
3.362%
Range: 3.16%, 3.51%

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

Spread model: The Missouri 12-month CD average currently trades 1.26% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at MO CD Rates Today

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

CD Term MO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.945% $97.26 $194.51 $486.28 $972.55
6-Month CD 2.914% $145.69 $291.38 $728.45 $1,456.90
12-Month CD 3.112% $155.58 $311.15 $777.88 $1,555.75
18-Month CD 2.947% $147.35 $294.70 $736.75 $1,473.50
24-Month CD 3.029% $151.43 $302.86 $757.15 $1,514.30
36-Month CD 2.769% $138.45 $276.90 $692.25 $1,384.50
48-Month CD 2.817% $140.87 $281.74 $704.35 $1,408.70
60-Month CD 2.919% $145.96 $291.92 $729.80 $1,459.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Springfield, Missouri Savers

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

Build Your Ladder
Rung Term Deposit MO Avg APY Annual Earnings
1 3-Month CD $5,000 1.945% $97.26
2 6-Month CD $5,000 2.914% $145.69
3 12-Month CD $5,000 3.112% $155.58
4 24-Month CD $5,000 3.029% $151.43
5 36-Month CD $5,000 2.769% $138.45
Total ($25,000 invested) $25,000 2.754% blended $688.41/yr

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

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1,359
CD Rates
Tracked in Springfield, Missouri
79 Banks 54 Credit Unions

About Our Springfield, Missouri CD Rate Database

MonitorBankRates tracks 1,359 CD rates from 79 banks and 54 credit unions with locations in Springfield, Missouri, plus national online institutions available to Missouri residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Academy Bank offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Springfield, Missouri.

How to Find the Best CD Rates in Springfield, Missouri

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

To find the best APYs in Springfield, Missouri, start with credit unions and online-only banks: Springfield, Missouri has 54 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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

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

When a CD Makes Sense in Springfield, 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 Springfield, Missouri: 133 institutions here report CD rates

Consider an Alternative If…

Springfield, Missouri Financial Snapshot

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

Population 65+
16.2%
National avg: 17.3%
Median Individual Earnings
$32,170
National avg: $47,340
Poverty Rate
18.4%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$100/yr
At MO 12-mo avg 3.112% APY

16.2% of residents are 65 or older, below the national average of 17.3%. At today’s MO 12-month CD average of 3.112%, saving 10% of the local median salary ($3,217/year) and putting it in a CD would earn an additional $100 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 Springfield, Missouri

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

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

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

Choosing a CD Term in Springfield, 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 Springfield, Missouri savers easier access to their funds. For example, Regent Bank (OK) is offering its 6 Month Certificate at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Sullivan Bank is offering its 60 Months Special CD at 4.30% 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Missouri

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

Are CD rates in Springfield, Missouri FDIC insured?

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

Here are recent top rates found for this area:
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • Omb Bank: 4.31% APY (18 Month Certificate)
  • Sullivan Bank: 4.30% APY (60 Months Special CD)
  • Regent Bank (OK): 4.05% APY (12 Month Certificate)
  • OBannon Bank: 4.00% APY (6 Month Certificates of Deposit)
  • Multi-States Credit Union: 4.00% APY (18 Month Certificates of Deposit)
  • Phelps County Bank: 3.96% APY (36 Month IRA CD)
  • UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
  • Table Rock Community Bank: 3.77% APY (6 Month CD)
  • Simmons Bank: 3.65% APY (6-month CD)
Rates reflect recent verified offers available in Springfield, Missouri. Last Updated: October 13, 2026

Springfield, Missouri CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Springfield, Missouri CD Rates by Term

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

CD Calculators for Springfield, Missouri

Springfield, Missouri CD Calculator

At today’s MO top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Springfield, Missouri CD Ladder

MO CD rates currently range from 1.945% (3-month) to 2.769% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Springfield, Missouri CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Missouri’s average 12-month CD is 3.112% 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 Springfield, 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 Springfield, 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 Springfield, Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MO.

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

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

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