Highest 1-Year CD Rates in Missouri
79 Missouri-specific 12-Month CD products
The Missouri market
Missouri accounts
79
Institutions
66
Top Missouri APY
4.32% APY
Nationally: 4.75% APY
FDIC national average
1.73%
As of Sep 2026
79 12-month CDs are open only to Missouri residents, from 66 institutions. The highest advertised APY among them is 4.32%.
The highest nationally available rate is 4.75% APY, 43 basis points above the Missouri leader.
56 of the 79 Missouri 12-month CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Missouri-Specific 12-Month CD Rates
12-Month CD rates specifically available to Missouri residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.32%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #2 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #3 | 4.20%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #4 | 4.20%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #5 | 4.16%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 4.08%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #9 | 4.06%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #10 | 4.05%APY Observed: Oct 13, 2026 | $500 | ||
| #11 | 4.05%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #12 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.91%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.87%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #15 | 3.87%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #16 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #17 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $200 | ||
| #20 | 3.80%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #21 | 3.80%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #22 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 3.77%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #25 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.70%APY Observed: Oct 7, 2026 | N/A | ||
| #27 | 3.70%APY Observed: Oct 7, 2026 | N/A | ||
| #28 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #30 | 3.63%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #31 | 3.61%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #32 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.55%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #35 | 3.55%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #36 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #38 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | Up to3.39%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 3.35%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #43 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 3.28%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 3.28%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | 3.10%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 3.07%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 3.03%APY Observed: Oct 13, 2026 Branches: Yes | $500 |
$50,000
Yes
$10,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
N/A
$1,000
Yes
$1,000
Yes
$1,000
Yes
$10,000
Yes
$10,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$200
Yes
$500
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
N/A
N/A
N/A
N/A
Needs at least $100,000
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in Missouri.
| Institution | Product / Term | APY |
|---|---|---|
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Barclays | 12-Month CD12 months | 4.50% |
| Popular Direct | 12 Months12 months | 4.50% |
| Bread Savings | 1-Year CD12 months | 4.45% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.40% |
| Marcus by Goldman Sachs | 12-Month CD12 months | 4.40% |
| Sallie Mae Bank | 12-Month Certificates of deposit CDs12 months | 4.40% |
| Bask Bank | 12-Month12 months | 4.35% |