Central Missouri Community CU's New, Competitive 9-month CD Special


This week, Central Missouri Community Credit Union (CMCCU) added a 9-month CD Special (1.25% APY) to its fixed rate savings offerings. The 9-month CD Special has a low $1K minimum deposit to open and no maximum balance cap. This CD Special is also available as an IRA, with the same funding requirements.

The Early Withdrawal Penalty, as stated on CMCCU's Share Certificate page, is as follows:

For certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. For terms of up to 12 months, the penalty is 31 days’ dividends. For terms of 18 months and over, the penalty is 90 days’ dividends. Details and exceptions to early withdrawal penalties are available in the Rate & Fee Schedule Brochure for Share Certificate Accounts, available at your local CMCCU branch.


Central Missouri Community Credit Union membership is available to anyone 18 years or older, who lives or works in the Missouri counties of Johnson, Pettis, Ray, Carroll, Lafayette, and Henry. All residents of city of Excelsior Springs are eligible for membership, even though a portion of the city is in Clay County, MO.

CMCCU also offers membership to all educational employees, college students, and high school juniors and seniors in the 23 counties of the University of Central Missouri State district. Please refer to the Central Missouri Community Credit Union About Us page for complete details.

Membership application can be completed online, but an in-person visit to one of the three branch locations (Warrensburg, Sedalia, and Richmond) is required to open the CD.

Credit Union Overview

Central Missouri Community Credit Union has an overall health grade of B+ at DepositAccounts.com, with a Texas Ratio of 7.56% (excellent) based on March 31, 2014 data. CMCCU has increased its total deposits by $10.97 Million in the past year, an excellent growth rate of 12.84%. Please refer to our financial overview of Central Missouri Community Credit Union for more details.

Central Missouri Community Credit Union (NCUA Certificate # 60383) was chartered in 1961 as a credit union for the education community. CMCCU has assets of over $103 Million and a membership base of almost 15,000.

How This CD Compares

When compared to other 9-month CDs tracked by DepositAccounts.com, and available to Missouri residents, Central Missouri Community Credit Union's 9-month CD Special ranks at the top:

Interest Rate CD Length Institution
1.25% APY 9-month CD Special Central Missouri Community Credit Union
0.91% APY 9-month CD Doral Direct
0.65% APY 8-month CD First Federal Bank, FSB

The above rates are accurate as of 8/28/2014.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table.

Related Pages: Central Missouri Community Credit Union, Kansas City


Top 1-Year CD Rate at Central Missouri Community Credit Union

Central Missouri Community Credit Union recently made a large increase to its 12-month CD rate. In fact, it was so large, that I was suspicious that it might be a mistake. However, I received confirmation from the credit union that the increase is correct. The new 1-year CD has a 1.26% APY. This rate is actually higher than the credit union’s 5-year CD rate. Minimum deposit is $1,000. This rate is listed in the credit union’s share certificates rates page as of 6/11/2013.

Credit union membership is open to anyone working...

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Top 1-year CD Rate at Central Missouri Community Credit Union - Local Only

Update 11/2/2012: The 1-year CD rate has fallen.

Central Missouri Community Credit Union is offering a very competitive 1-year CD and IRA CD. It has a 1.51% APY, and the minimum deposit is $1,000. This rate is listed in the credit union's share certificates page as of 10/18/2012. This appears to be a new CD special. The 12-month CD rate just recently had a big increase. The credit union's rate table has a date of 10/12/2012.

Unfortunately, not many are eligible for this offer. Membership in the credit union is primarily limited...

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