Best Credit Union 3 Year CD Rates in Lake St. Louis, Missouri, MO

You are viewing rates from credit unions across Lake St. Louis

Below are three year CD Rates from credit unions in Lake St. Louis, Missouri. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

Lake St. Louis, MO - November 12, 2024

3 Year CD National Average : 0.75% ^?

Credit Unions	APY	MIN	MILES ^?
Blucurrent Restrictions	4.65%	$1,000	-	Learn More Add Review
Rate History: 3.56% → 4.80% → 4.90% → 5.00% → 4.65%
Navy Federal Credit Union Restrictions	4.05% 4.00%	$100,000 $1,000	-	Learn More
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)
Electro Savings Restrictions	3.95% 3.75%	$100,000 $1,000	-	Learn More Add Review
Communityamerica Restrictions	2.40%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.40%
Riverways Restrictions	1.55%	$250	-	Learn More Add Review
Horizon Restrictions	1.26%	$10,000	-	Learn More Add Review
Health Care Family Restrictions	1.26%	$100,000	-	Learn More
Ric \| May 31, 2017 Does not honor rates posted here. Read More Reviews (1)
Multipli Restrictions	1.26%	$10,000	-	Learn More Add Review
Assemblies Of God Restrictions	1.26%	$10,000	-	Learn More Add Review
Mainstreet Restrictions	1.15%	$10,000	-	Learn More Add Review
Health Care Family Restrictions	1.15%	$10,000	-	Learn More
Ric \| May 31, 2017 Does not honor rates posted here. Read More Reviews (1)
Ozark Restrictions	1.15%	$100,000	-	Learn More Add Review
Central Missouri Community Restrictions	1.11%	$500	-	Learn More Add Review
Neighbors Restrictions	1.10%	$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)
St. Louis Community Restrictions	1.05%	$10,000	-	Learn More Add Review
Infuze Restrictions	1.01%	$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)
Csd	1.00%	$10,000	-	Learn More Add Review
Gateway Metro Restrictions	1.00%	$10,000	-	Learn More Add Review
Educational Community Restrictions	1.00%	$10,000	-	Learn More Add Review
Ozark Restrictions	1.00%	$10,000	-	Learn More Add Review
Together Restrictions	0.99%	$10,000	-	Learn More Add Review
River Region Restrictions	0.98%	$500	-	Learn More Add Review
United Consumers Restrictions	0.95%	$500	-	Learn More Add Review
Greater Kc Public Safety Restrictions	0.95%	$10,000	-	Learn More Add Review
United Methodist Restrictions	0.95%	$100,000	-	Learn More Add Review
Jm Associates Restrictions	0.95%	$100,000	-	Learn More Add Review
Infuze Restrictions	0.91%	$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)
Missouri Central Restrictions	0.90%	$10,000	-	Learn More Add Review
Raytown-lee's Summit Community Restrictions	0.90%	$10,000	-	Learn More Add Review
Columbia Restrictions	0.90%	$10,000	-	Learn More Add Review
Jm Associates Restrictions	0.90%	$10,000	-	Learn More Add Review
First Missouri Restrictions	0.90%	$500	-	Learn More Add Review
Century Restrictions	0.90%	$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)
Great Plains Restrictions	0.90%	$25,000	-	Learn More Add Review
United Restrictions	0.85%	$10,000	-	Learn More Add Review
United Methodist Restrictions	0.85%	$10,000	-	Learn More Add Review
First Community Restrictions	0.85%	$10,000	-	Learn More Add Review
United Community Restrictions	0.80%	$1,000	-	Learn More Add Review
1st Midamerica Restrictions	0.80%	$10,000	-	Learn More Add Review
Great Plains Restrictions	0.80%	$10,000	-	Learn More Add Review
Service 1 Restrictions	0.80%	$10,000	-	Learn More Add Review
Arsenal Restrictions	0.75%	$10,000	-	Learn More Add Review
R G Restrictions	0.75%	$10,000	-	Learn More Add Review
1st Financial Restrictions	0.70%	$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)
Alliance Restrictions	0.66%	$1,000	-	Learn More Add Review
Mazuma Restrictions	0.65%	$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)
Vantage Restrictions	0.65%	$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)
Mazuma Restrictions	0.60%	$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)
Central Communications Restrictions	0.60%	$10,000	-	Learn More Add Review
Missouri Valley Restrictions	0.60%	$10,000	-	Learn More Add Review
America's Restrictions	0.60%	$100,000	-	Learn More Add Review
Missouri Restrictions	0.55%	$10,000	-	Learn More Add Review
West Community Restrictions	0.55%	$10,000	-	Learn More Add Review
Edison Restrictions	0.50%	$10,000	-	Learn More Add Review
Kansas City Restrictions	0.40%	$500	-	Learn More Add Review
Burns & Mcdonnell	0.40%	$10,000	-	Learn More Add Review
Vantage Restrictions	0.40%	$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)
America's Restrictions	0.40%	$10,000	-	Learn More Add Review
County	0.35%	$10,000	-	Learn More Add Review
City	0.30%	$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.

See rates for Online Banks →

See rates for Local Banks →

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 2024

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.