Missouri

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Credit Union CD Rates – 6-Month – Missouri

You are viewing rates from credit unions across Missouri





Below are the best six month CD Rates from credit unions in Missouri. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

MO - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 4.60% → 5.50% → 5.25% → 5.00% → 4.25%

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 3.45% → 5.05% → 4.95% → 4.85% → 3.45%

Rate History: 2.00% → 3.45%

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

Rate History: 4.41% → 5.03% → 1.10%

0.75%

$100,000

-

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| May 31, 2017

Does not honor rates posted here. Read More

0.65%

$100,000

-

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0.65%

$500

-

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0.65%

$100,000

-

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| Dec 17, 2019

Their offer good rates for new clients and care less about current customers Read More

0.60%

$10,000

-

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| 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

0.55%

$10,000

-

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0.55%

$10,000

-

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| Mar 13, 2019

I am not a member of this credit union, but I am currently holding an account there as the personal rep of my sister's estate. She was a member there, a recent County retiree. I am writing on her behalf. ... Read More

| Mar 3, 2021

Where can I use an ATM in Blue Springs? What other banks do you Co-Op for ATM use? Read More

0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.45%

$500

-

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0.45%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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| 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

0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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| 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

| 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

0.30%

$1,000

-

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0.30%

$1,000

-

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0.30%

$2,500

-

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0.26%

$1,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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R G

R G Branch
Restrictions

0.25%

$10,000

-

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| 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

0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$10,000

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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0.19%

$10,000

-

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| 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

0.15%

$10,000

-

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0.05%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

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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 10007


Branch Street City State
BLUCURRENT
Postal Federal Commu Postal Federal Commu Branch
1983 EAST SEMINOLE SPRINGFIELD MO
FIRST COMMUNITY
Ellisville Ellisville Branch
15715 Manchester Rd Ellisville MO
COMMUNITYAMERICA
Community America Community America Branch
9777 RIDGE DR KANSAS CITY MO
ELECTRO SAVINGS
Electro Savings Credit Union Electro Savings Credit Union Branch
1805 Craigshire Road Saint Louis MO
RIVERWAYS
Rolla Rolla Branch
1012 Forum Drive Rolla MO
JM ASSOCIATES
J. M. Associates J. M. Associates Branch
3120 Rider Trail South Earth City MO
HEALTH CARE FAMILY
Health Care Family Health Care Family Branch
2114 South Big Bend Blvd. Saint Louis MO
INTERFAITH
Missouri Branch Missouri Branch
301 SW Woods Chapel Rd Blue Springs MO
RIVER REGION
River Region River Region Branch
3608 West Truman Blvd. Jefferson City MO
OZARK
Poplar Bluff Poplar Bluff Branch
2438 Katy Lane Poplar Bluff MO
NEIGHBORS
Neighbors Neighbors Branch
6300 S Lindbergh Blvd Saint Louis MO
JM ASSOCIATES
J. M. Associates J. M. Associates Branch
3120 Rider Trail South Earth City MO
CENTURY
Century Century Branch
1540 LEMAY FERRY SAINT LOUIS MO
INTERFAITH
Missouri Branch Missouri Branch
301 SW Woods Chapel Rd Blue Springs MO
ST. LOUIS COMMUNITY
St. Louis Community St. Louis Community Branch
3651 Forest Park Ave Saint Louis MO
MAZUMA
Mazuma Mazuma Branch
9300 Troost Ave Kansas City MO
COLUMBIA
Columbia Columbia Branch
310 E WALNUT STREET COLUMBIA MO
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
1001 Lynch Street Saint Louis MO
GATEWAY METRO
Gateway Metro Gateway Metro Branch
1001 Pine Street Saint Louis MO
GREAT PLAINS
Great Plains Great Plains Branch
2306 S RANGE LINE RD JOPLIN MO
SERVICE 1
Service 1 Service 1 Branch
816 W. Harmony Lane Neosho MO
TELCOMM
Telcomm Telcomm Branch
2155 E Sunshine Springfield MO
OZARK
Poplar Bluff Poplar Bluff Branch
2438 Katy Lane Poplar Bluff MO
UNITED CONSUMERS
United Consumers United Consumers Branch
1111 E 23rd St Independence MO
RAYTOWN-LEE'S SUMMIT COMMUNITY
Raytown-lee's Summit Raytown-lee's Summit Branch
10021 E 66th Terrace Raytown MO
HORIZON
District Two Highway District Two Highway Branch
902 North Missouri Street, Suite B Macon MO
UNITED
United United Branch
802 East Breckenridge St Mexico MO
MISSOURI CENTRAL
Missouri Central Missouri Central Branch
825 NE Deerbrook Lees Summit MO
VANTAGE
Cave Springs Cave Springs Branch
1077 Cave Springs Blvd Saint Peters MO
MAINSTREET
Barry Trail Barry Trail Branch
234 NE Barry Rd Kansas City MO
1ST MIDAMERICA
Olin Community Olin Community Branch
19301 E Valley View Parkway Independence MO
WEST COMMUNITY
West Community West Community Branch
4161 Highway K OFallon MO
MISSOURI VALLEY
Missouri Valley Missouri Valley Branch
7900 Mexico Road Saint Peters MO
ASSEMBLIES OF GOD
Assemblies Of God Assemblies Of God Branch
1535 N Campbell Ave Springfield MO
INFUZE
Mid Missouri Mid Missouri Branch
Building 494 Illinois Avenue Fort Leonard Wo MO
INFUZE
Mid Missouri Mid Missouri Branch
Building 494 Illinois Avenue Fort Leonard Wo MO
UNITED COMMUNITY
United Community United Community Branch
109 Lindsey Road Hannibal MO
CENTRAL MISSOURI COMMUNITY
Central Missouri Com Central Missouri Com Branch
201 S Holden St Warrensburg MO
FIRST MISSOURI
First Missouri First Missouri Branch
1690 Lemay Ferry Rd Saint Louis MO
ALLIANCE
Alliance Alliance Branch
575 Rudder Rd Fenton MO
PUBLIC SAFETY
K. C. Police K. C. Police Branch
2800 E 14th St Kansas City MO
BURNS & MCDONNELL
Burns & Mcdonnell Burns & Mcdonnell Branch
9400 Ward Parkway, suite 624 Kansas City MO
R G
R G R G Branch
128 W MARKEY RD BELTON MO
ALLTRU
Downtown Downtown Branch
1407 Washington Ave Saint Louis MO
MULTIPLI
Cu Community Cu Community Branch
818 N. Benton Springfield MO
VOLT
Community Financial Community Financial Branch
815 W. Tampa Springfield MO
EDUCATIONAL COMMUNITY
Educational Communit Educational Communit Branch
1221 E Grand St Springfield MO
CENTRAL COMMUNICATIONS
Central Communicatio Central Communicatio Branch
17811 E US highway 40 Independence MO
EDISON
Edison Edison Branch
4200 E FRONT ST KANSAS CITY MO
ARSENAL
Arsenal Arsenal Branch
3780 Vogel Road Arnold MO
CITY
City City Branch
2550 S State Route 291 Independence MO
VANTAGE
Cave Springs Cave Springs Branch
1077 Cave Springs Blvd Saint Peters MO
AMERICA'S
America's America's Branch
2350 E. BENNETT SPRINGFIELD MO
COUNTY
County County Branch
130 South Bemiston Avenue, Suite 10 Clayton MO


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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