Best Credit Union 2 Year CD Rates in Brentwood, Missouri, MO

You are viewing rates from credit unions across Brentwood

Below are two year Certificates of Deposit (CD) rates from credit unions located in Brentwood, Missouri. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Brentwood, MO - July 22, 2025

2 Year CD National Average : 0.66% ^?

Credit Unions	APY	MIN	MILES ^?
Riverways Riverways Federal Credit Union Branch Restrictions	4.16%	$250	-	Learn More Add Review
Rate History: 1.25% → 4.16%
Blucurrent Seminole Branch Restrictions	3.90%	$1,000	-	Learn More Add Review
Rate History: 4.70% → 4.85% → 5.00% → 4.60% → 3.90%
Navy Federal Credit Union Fort Leonard Wood Branch Restrictions	3.66%	$100,000	-	Learn More
Rate History: 4.15% → 4.05% → 3.75% → 3.66%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
First Community Chesterfield Valley Branch Restrictions	3.65%	$500	-	Learn More Add Review
Electro Savings Electro Savings Credit Union Branch Restrictions	3.65% 3.50%	$100,000 $1,000	-	Learn More Add Review
Navy Federal Credit Union Fort Leonard Wood Branch Restrictions	3.60%	$1,000	-	Learn More
Rate History: 4.10% → 4.00% → 3.70% → 3.60%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Communityamerica 64th Street Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.90% → 2.50% → 3.05% → 3.25% → 3.50%
Assemblies Of God Campbell Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Ozark Main Office Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Health Care Family Health Care Family Credit Union Branch Restrictions	1.10%	$100,000	-	Learn More
Ric \| May 31, 2017 Does not honor rates posted here. Read More Reviews (1)
Mainstreet Barry Trail Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Central Missouri Community Central Mo Community Credit Union Branch Restrictions	1.01%	$500	-	Learn More Add Review
Multipli Benton Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Horizon Horizon Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Health Care Family Health Care Family Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More
Ric \| May 31, 2017 Does not honor rates posted here. Read More Reviews (1)
Volt Community Financial Cu Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Telcomm Republic Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Ozark Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Neighbors Neighbors Credit Union Branch Restrictions	0.95%	$10,000	-	Learn More
KH \| Dec 17, 2019 Their offer good rates for new clients and care less about current customers Read More Reviews (2)
Together Main Office/lynch Street Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
St. Louis Community Forest Park Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Raytown-lee's Summit Community Raytown Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
United Methodist Missouri Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Jm Associates St. Louis Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Columbia Columbia Credit Union Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Jm Associates St. Louis Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Great Plains Carthage Branch Restrictions	0.80%	$25,000	-	Learn More Add Review
Infuze Fort Leonard Wood Branch Restrictions	0.77%	$25,000	-	Learn More
BrokenOne \| May 26, 2022 I was a victim of International Fraud through a Canadian Business, this happened around December 23rd 2021. I have since had issues with Customer Service as well as lack of security on my existing account... Read More Reviews (1)
United Consumers Savage Branch Restrictions	0.75%	$500	-	Learn More Add Review
Greater Kc Public Safety Main Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
United Mexico Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Csd Csd Credit Union Branch	0.75%	$10,000	-	Learn More Add Review
United Methodist Missouri Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
River Region Jefferson City West Branch Restrictions	0.75%	$500	-	Learn More Add Review
Gateway Metro Administration Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Century Main Office Branch Restrictions	0.75%	$10,000	-	Learn More
Jana \| Mar 11, 2023 I have been a member of Century Credit Union since about 2006. The customer service is outstanding. The savings rates are excellent and the fees are extremely minimal. I often recommend it to others. Read More Reviews (1)
Educational Community Springfield Office Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Missouri Central Main Office Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
1st Midamerica Independence Office Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Infuze Fort Leonard Wood Branch Restrictions	0.70%	$10,000	-	Learn More
BrokenOne \| May 26, 2022 I was a victim of International Fraud through a Canadian Business, this happened around December 23rd 2021. I have since had issues with Customer Service as well as lack of security on my existing account... Read More Reviews (1)
First Missouri Main Office Branch Restrictions	0.70%	$2,500	-	Learn More Add Review
Great Plains Carthage Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Service 1 Service 1 Fcu/neosho Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Arsenal Arsenal Credit Union -arnold Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Mazuma Troost Branch Restrictions	0.60%	$100,000	-	Learn More
Mary Steelman \| Mar 3, 2021 Where can I use an ATM in Blue Springs? What other banks do you Co-Op for ATM use? Read More Reviews (1)
1st Financial Main Office Branch Restrictions	0.60%	$10,000	-	Learn More
charity \| Jun 23, 2021 Hi I am a Kenyan tying to send money to your customer in the us, kindly provide me with a swift code for MO Read More Reviews (1)
Vantage Administration Branch Restrictions	0.60%	$100,000	-	Learn More
FJM \| Jun 14, 2023 The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on ... Read More Reviews (1)
America's Spfd Branch Office Restrictions	0.60%	$100,000	-	Learn More Add Review
Alliance Administrative Center & Branch Restrictions	0.56%	$1,000	-	Learn More Add Review
Mazuma Troost Branch Restrictions	0.55%	$10,000	-	Learn More
Mary Steelman \| Mar 3, 2021 Where can I use an ATM in Blue Springs? What other banks do you Co-Op for ATM use? Read More Reviews (1)
R G Belton Branch Office Restrictions	0.55%	$10,000	-	Learn More Add Review
Missouri Valley Missouri Valley Federal Credit Union Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
United Community United Community Credit Union Branch Restrictions	0.50%	$500	-	Learn More Add Review
West Community O'fallon Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Central Communications Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
America's Spfd Branch Office Restrictions	0.40%	$10,000	-	Learn More Add Review
Kansas City North Oak Branch Restrictions	0.35%	$500	-	Learn More Add Review
Burns & Mcdonnell Office Branch	0.35%	$10,000	-	Learn More Add Review
Edison Edison Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Vantage Administration Branch Restrictions	0.35%	$10,000	-	Learn More
FJM \| Jun 14, 2023 The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on ... Read More Reviews (1)
County Main Office Branch	0.30%	$10,000	-	Learn More Add Review
City City Credit Union Branch	0.24%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
RIVERWAYS Riverways Federal Credit Union Riverways Federal Credit Union Branch	1012 Forum Dr	Rolla	MO
BLUCURRENT Seminole Branch Seminole Branch	1983 E SEMINOLE ST	SPRINGFIELD	MO
NAVY FEDERAL CREDIT UNION Fort Leonard Wood Fort Leonard Wood Branch	332 Marshall Dr	Saint Robert	MO
FIRST COMMUNITY Chesterfield Valley Chesterfield Valley Branch	17151 Chesterfield Airport Rd	Chesterfield	MO
ELECTRO SAVINGS Electro Savings Credit Union Electro Savings Credit Union Branch	16500 Manchester Road	Wildwood	MO
NAVY FEDERAL CREDIT UNION Fort Leonard Wood Fort Leonard Wood Branch	332 Marshall Dr	Saint Robert	MO
COMMUNITYAMERICA 64th Street Branch 64th Street Branch	6390 N Cosby Ave	Kansas City	MO
ELECTRO SAVINGS Electro Savings Credit Union Electro Savings Credit Union Branch	16500 Manchester Road	Wildwood	MO
ASSEMBLIES OF GOD Campbell Branch Campbell Branch	1535 N Campbell Ave	Springfield	MO
OZARK Main Office Main Office Branch	2438 Katy LN	Poplar Bluff	MO
HEALTH CARE FAMILY Health Care Family Credit Union Health Care Family Credit Union Branch	2114 S Big Bend Blvd	Saint Louis	MO
MAINSTREET Barry Trail Barry Trail Branch	234 NE Barry Rd	Kansas City	MO
CENTRAL MISSOURI COMMUNITY Central Mo Community Credit Union Central Mo Community Credit Union Branch	620 N Maguire St	Warrensburg	MO
MULTIPLI Benton Benton Branch	818 N Benton Ave	Springfield	MO
HORIZON Horizon Credit Union Horizon Credit Union Branch	310 N Missouri St	Macon	MO
HEALTH CARE FAMILY Health Care Family Credit Union Health Care Family Credit Union Branch	2114 S Big Bend Blvd	Saint Louis	MO
VOLT Community Financial Cu Community Financial Cu Branch	815 W Tampa ST	Springfield	MO
TELCOMM Republic Branch Republic Branch	161 US Highway 60 W	Republic	MO
OZARK Main Office Main Office Branch	2438 Katy LN	Poplar Bluff	MO
NEIGHBORS Neighbors Credit Union Neighbors Credit Union Branch	6300 S Lindbergh Blvd	Saint Louis	MO
TOGETHER Main Office/lynch Street Main Office/lynch Street Branch	1001 Lynch St	Saint Louis	MO
ST. LOUIS COMMUNITY Forest Park Forest Park Branch	3651 Forest Park Ave	Saint Louis	MO
RAYTOWN-LEE'S SUMMIT COMMUNITY Raytown Branch Raytown Branch	10021 E 66th Ter	Raytown	MO
INTERFAITH Missouri Branch Missouri Branch	301 SW Woods Chapel Rd	Blue Springs	MO
JM ASSOCIATES St. Louis St. Louis Branch	3120 Rider Trl S	Earth City	MO
COLUMBIA Columbia Credit Union Columbia Credit Union Branch	310 E Walnut St	Columbia	MO
JM ASSOCIATES St. Louis St. Louis Branch	3120 Rider Trl S	Earth City	MO
GREAT PLAINS Carthage Carthage Branch	120 S GARRISON AVE	CARTHAGE	MO
INFUZE Fort Leonard Wood Fort Leonard Wood Branch	5000 Illinois Ave	Fort Leonard Wood	MO
UNITED CONSUMERS Savage Savage Branch	1111 E 23rd St S	Independence	MO
PUBLIC SAFETY Main Office Main Office Branch	2800 E 14th St	Kansas City	MO
UNITED Mexico Branch Mexico Branch	802 E Breckenridge St	Mexico	MO
CSD Csd Credit Union Csd Credit Union Branch	8510 E BANNISTER RD	KANSAS CITY	MO
INTERFAITH Missouri Branch Missouri Branch	301 SW Woods Chapel Rd	Blue Springs	MO
RIVER REGION Jefferson City West Branch Jefferson City West Branch	3608 W Truman Blvd	Jefferson City	MO
GATEWAY METRO Administration Administration Branch	1001 Pine St	Saint Louis	MO
CENTURY Main Office Main Office Branch	1540 LEMAY FERRY RD	SAINT LOUIS	MO
EDUCATIONAL COMMUNITY Springfield Office Springfield Office Branch	1221 E Grand St	Springfield	MO
MISSOURI CENTRAL Main Office Main Office Branch	825 NE Deerbrook St	Lees Summit	MO
1ST MIDAMERICA Independence Office Independence Office Branch	19301 E Valley View Pkwy	Independence	MO
INFUZE Fort Leonard Wood Fort Leonard Wood Branch	5000 Illinois Ave	Fort Leonard Wood	MO
FIRST MISSOURI Main Office Main Office Branch	1690 Lemay Ferry Rd	Saint Louis	MO
GREAT PLAINS Carthage Carthage Branch	120 S GARRISON AVE	CARTHAGE	MO
SERVICE 1 Service 1 Fcu/neosho Service 1 Fcu/neosho Branch	816 W Harmony St	Neosho	MO
ARSENAL Arsenal Credit Union -arnold Branch Arsenal Credit Union -arnold Branch	3780 Vogel Rd	Arnold	MO
MAZUMA Troost Troost Branch	9300 Troost Ave	Kansas City	MO
ALLTRU Main Office Main Office Branch	1232 Wentzville Pkwy	Wentzville	MO
VANTAGE Administration Administration Branch	4020 Fee Fee Rd	Bridgeton	MO
AMERICA'S Spfd Branch Office Spfd Branch Office	2350 E Bennett St	Springfield	MO
ALLIANCE Administrative Center & Branch Administrative Center & Branch	1280 S Highway Dr	Fenton	MO
MAZUMA Troost Troost Branch	9300 Troost Ave	Kansas City	MO
R G Belton Branch Office Belton Branch Office	128 W MARKEY RD	BELTON	MO
MISSOURI VALLEY Missouri Valley Federal Credit Union Missouri Valley Federal Credit Union Branch	7900 Mexico Rd	Saint Peters	MO
UNITED COMMUNITY United Community Credit Union United Community Credit Union Branch	109 Lindsey Dr	Hannibal	MO
WEST COMMUNITY O'fallon O'fallon Branch	4161 Highway K	O Fallon	MO
CENTRAL COMMUNICATIONS Main Office Main Office Branch	17811 E US Highway 40	Independence	MO
AMERICA'S Spfd Branch Office Spfd Branch Office	2350 E Bennett St	Springfield	MO
KANSAS CITY North Oak North Oak Branch	7245 N Oak Trfy	Gladstone	MO
BURNS & MCDONNELL Office Office Branch	9400 Ward Pkwy	Kansas City	MO
EDISON Edison Credit Union Edison Credit Union Branch	4200 E FRONT ST	KANSAS CITY	MO
VANTAGE Administration Administration Branch	4020 Fee Fee Rd	Bridgeton	MO
COUNTY Main Office Main Office Branch	130 S BEMISTON AVE STE 100	SAINT LOUIS	MO
CITY City Credit Union City Credit Union Branch	2550 S State Route 291	Independence	MO

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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Credit Union CD Rates – 2-Year – Brentwood, Missouri

Branches Info around zip 10116

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

SAVINGS & CD CALCULATOR

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CD Products by City in Missouri

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