Best CD Rates in Missouri
Vikram Singh
Best 6-Month CD Rates in Missouri

Bank or Credit Union Name: First Internet Bank of Indiana
Minimum Amount: $1000.00
APY / Rate: 4.39% APY
Pros:
- Only $1,000 minimum balance to open
- Interest is compounded daily and credited monthly
- Rates are locked for the term chosen and cannot go down
Rules:
- In order to open a CD, you’ll need to deposit a minimum amount of money, which may vary depending on the term and rate of the CD.
- The term of the CD is the amount of time that you agree to keep your money in the CD. At Greenwood Credit Union, CD terms range from 3 months to 60 months.
- The interest rate on the CD is the rate at which your money will earn interest. Generally, longer-term CDs will offer higher rates than shorter-term CDs. Greenwood Credit Union offers both fixed-rate and variable-rate CDs.
- If you need to withdraw money from your CD before the maturity date, you will typically be charged an early withdrawal penalty. The specific penalty amount will depend on the term and type of CD you have.
- You can open a CD as an individual or joint account holder. You may also be able to open a CD as an IRA account.

Bank or Credit Union Name: Banesco USA –
Minimum Amount: $1,500
APY Rate: 4.30% APY
Pros:
- Hispanic American-owned bank that supports local communities
- High APY for BanesGrow savings account
- Competitive CD rate
- Access your account 24/7 from desktop or mobile.
- All deposits are FDIC-insured.
Rules:
- The account requires a $100 minimum deposit and carries a $15 monthly fee for balances below the $100 threshold.
- Interest earned may vary
- Consumers are limited to six withdrawals per month with a BanesGrow account.
- Transactions beyond the monthly withdrawal limit carry a $10 fee each.
- A $100 minimum deposit is required to open a BanesGrow account
- BaneSmart CDs offer high-yield interest in exchange for keeping your money in the bank long term.
- CDs are available in five term lengths ranging from six months to 36 months.
- A $1,500 minimum deposit is required to open a CD account through the bank.
Best 12 Month CD Rates in Missouri

Bank or Credit Union Name: CFG Community Bank
Minimum Amount: $500.00
APY / Rate: 4.15% APY
Pros:
- The high yield rate of interest
- A decent minimum amount required
- FDIC-insured banking option
- Strong customer support system
Rules:
- To open a CD an investor can approach the bank online or in-branch.
- The minimum deposit allowed in a CD is $500 and the maximum limit is set at $250,000.
- The interest on the CD is compounded monthly

Bank or Credit Union Name: First Internet Bank of Indiana
Minimum Amount: $1000
APY / Rate: 4.75%
Pros:
- High-interest rates on CD accounts
- Access through mobile, online, and telephone
- FDIC insured to the maximum limited by law
- No monthly maintenance fee
Rules:
- A CD can be opened instantly
- The amount can be withdrawn early by paying an early withdrawal penalty amount
- 10 calendar days grace period post maturity post which the CD is auto-renewed.
Best 3 Years CD Rates in Missouri

Bank or Credit Union Name: First Internet Bank of Indiana
Minimum Amount: $1000.00
APY / Rate: 4.44% APY
Pros:
- Only $1,000 minimum balance to open
- Interest is compounded daily and credited monthly
- Rates are locked for the term chosen and cannot go down
Rules:
- In order to open a CD, you’ll need to deposit a minimum amount of money, which may vary depending on the term and rate of the CD.
- The term of the CD is the amount of time that you agree to keep your money in the CD. At Greenwood Credit Union, CD terms range from 3 months to 60 months.
- The interest rate on the CD is the rate at which your money will earn interest. Generally, longer-term CDs will offer higher rates than shorter-term CDs. Greenwood Credit Union offers both fixed-rate and variable-rate CDs.
- If you need to withdraw money from your CD before the maturity date, you will typically be charged an early withdrawal penalty. The specific penalty amount will depend on the term and type of CD you have.
- You can open a CD as an individual or joint account holder. You may also be able to open a CD as an IRA account.

Bank or Credit Union Name:First National Bank of America
Minimum Amount: $1,000.00
APY Rate: 4.40% APY
Pros:
- High APY and interest rates
- Easy account opening procedure
- FDIC insured
- BBB accredited business
Rules:
- You must maintain a minimum balance of $1000 to earn APY
- Interest is added to the account every end of month
Best 5 Years CD Rates in Missouri

Bank or Credit Union Name: GTE Financial Credit Union
Minimum Amount: $500
APY / Rate: 4.54% APY
Pros:
- Open with as little as $500
- Some of the best rates in the nation
- Variety of term options
- Open online in minutes
- Federally Insured by NCUA
Rules:
- No early withdrawals may be made during the first 60 days from opening the Share Certificate.
- Early withdrawals will be penalized anywhere from 90 to 180 days of earned dividends. Please review your Certificate disclosure for more details.
- There are no penalties for monthly dividend withdrawals. Early withdrawal penalties will apply if the certificate is closed before the maturity date.
- You can withdraw up to 10% of the principal plus dividends one time per year (20% of the current balance if over 59 1/2 years old) with no early withdrawal penalty on IRA certificates.
- Any monthly withdrawals or transfers reduce earnings.

Bank or Credit Union Name: CFG Community Bank
Minimum Amount: $500.00
APY / Rate: 4.50% APY
Pros:
- The high yield rate of interest
- A decent minimum amount required
- FDIC-insured banking option
- Strong customer support system
Rules:
- To open a CD an investor can approach the bank online or in-branch.
- The minimum deposit allowed in a CD is $500 and the maximum limit is set at $250,000.
- The interest on the CD is compounded monthly.
- Premature withdrawal from the CD is subject to a penalty.