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You are viewing rates from credit unions across Missouri
Below are the best one year CD Rates from credit unions in Missouri. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.
MO - December 15, 2024
1 Year CD National Average : 0.55% ?
Credit Unions | APY | MIN | MILES ? | |
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4.55% |
$1,000 |
- |
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Rate History: 4.08% → 4.60% → 4.80% → 5.00% → 4.55% |
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4.15% 4.10% |
$100,000 $1,000 |
- |
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Rate History: 5.10% → 4.85% → 4.75% → 4.35% → 4.15% |
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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 |
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4.00% |
$500 |
- |
Learn More
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Rate History: 3.50% → 4.75% → 4.65% → 3.65% → 4.00% |
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3.45% 3.35% |
$100,000 $1,000 |
- |
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|
1.11% |
$250 |
- |
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1.00% |
$10,000 |
- |
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|
0.90% |
$10,000 |
- |
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Ric | May 31, 2017 Does not honor rates posted here. Read More |
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0.90% |
$10,000 |
- |
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KH | Dec 17, 2019 Their offer good rates for new clients and care less about current customers Read More |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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|
0.90% |
$100,000 |
- |
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|
|
0.80% |
$10,000 |
- |
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|
Linda Bryan | 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 |
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0.80% |
$10,000 |
- |
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|
|
0.80% |
$10,000 |
- |
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|
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0.75% |
$10,000 |
- |
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|
|
0.75% |
$1,000 |
- |
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0.75% |
$10,000 |
- |
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|
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0.75% |
$100,000 |
- |
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|
|
0.75% |
$10,000 |
- |
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|
|
0.75% |
$100,000 |
- |
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|
|
0.75% |
$25,000 |
- |
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|
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0.75% |
$10,000 |
- |
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|
|
0.70% |
$10,000 |
- |
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|
|
0.70% |
$500 |
- |
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|
|
0.70% |
$10,000 |
- |
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|
|
0.65% |
$10,000 |
- |
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|
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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|
0.65% |
$10,000 |
- |
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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 |
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0.65% |
$10,000 |
- |
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|
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0.60% |
$10,000 |
- |
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|
0.60% |
$10,000 |
- |
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|
0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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|
|
0.56% |
$25,000 |
- |
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|
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 |
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0.55% |
$500 |
- |
Learn More
|
|
0.55% |
$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 |
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0.55% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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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 |
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|
0.50% |
$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 |
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0.50% |
$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 |
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0.50% |
$2,500 |
- |
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|
|
0.50% |
$100,000 |
- |
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|
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0.45% |
$10,000 |
- |
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|
|
0.45% |
$10,000 |
- |
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|
|
0.41% |
$1,000 |
- |
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|
|
0.40% |
$1,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
0.40% |
$10,000 |
- |
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|
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 |
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0.40% |
$10,000 |
- |
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|
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0.40% |
$10,000 |
- |
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|
|
0.35% |
$10,000 |
- |
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|
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0.35% |
$10,000 |
- |
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|
0.30% |
$10,000 |
- |
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0.30% |
$500 |
- |
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0.30% |
$10,000 |
- |
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|
|
0.30% |
$10,000 |
- |
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|
0.30% |
$500 |
- |
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|
Slynyrd | 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 |
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0.25% |
$10,000 |
- |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
0.25% |
$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 |
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0.15% |
$10,000 |
- |
Learn More
|
|
|
0.10% |
$500 |
- |
Learn More
|
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.
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 1-year 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.
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.
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.
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 time deposit is 3 months.
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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, 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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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