Highest 3-Month CD Rates in Missouri
60 Missouri-specific 3-Month CD products
The Missouri market
Missouri accounts
60
Institutions
52
Top Missouri APY
4.06% APY
Nationally: 4.30% APY
FDIC national average
1.13%
As of Sep 2026
60 3-month CDs are open only to Missouri residents, from 52 institutions. The highest advertised APY among them is 4.06%.
The highest nationally available rate is 4.30% APY, 24 basis points above the Missouri leader.
32 of the 60 Missouri 3-month CDs advertise more than the FDIC national average of 1.13% for 3-month CDs as of Sep 2026.
Missouri-Specific 3-Month CD Rates
3-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 | 4.06%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #2 | 3.85%APY Observed: Oct 13, 2026 | $500 | ||
| #3 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #4 | 3.85%APY That 3.85% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #5 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #6 | 3.65%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #7 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #8 | 3.64%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #9 | 3.64%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #10 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.51%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #13 | 3.51%APY Observed: Oct 3, 2026 Branches: Yes | $2,500 | ||
| #14 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.35%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.29%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.25%APY Observed: Oct 5, 2026 Branches: Yes | $500 | ||
| #18 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.00%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 2.98%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #23 | Up to2.88%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | 2.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #26 | 1.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | 1.51%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #28 | 1.50%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #29 | Up to1.45%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #30 | 1.26%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 1.16%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #32 | 1.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 1.05%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #34 | 1.05%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #36 | 1.00%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #37 | 1.00%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #38 | 1.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 0.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 0.65%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 0.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 0.40%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #43 | 0.35%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | 0.35%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #45 | 0.30%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #46 | 0.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 0.25%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #48 | 0.25%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #49 | 0.21%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 0.20%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$1,000
Yes
$500
N/A
$5,000
Yes
That 3.85% is a promotional rate.
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$10,000
Yes
$10,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$2,500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
$500
Yes
$2,500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
Nationally Available 3-Month CD Rates
The 8 highest 3-Month CD rates available nationwide, including in Missouri.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 3 Months3 months | 4.30% |
| Ivy Bank | 3-Month High-Yield Certificate of Deposit3 months | 4.25% |
| Bask Bank | 3-Month3 months | 4.10% |
| Omb Bank | 3 Month CD3 months | 4.05% |
| Bread Savings | 3-Month CD3 months | 3.95% |
| Customers Bank | 3-Month CD3 months | 3.85% |
| Carver Bank | 91 Day CD3 months | 3.69% |
| Quontic Bank | 3 Month CD3 months | 3.66% |