Best Banks & Credit Unions in Cape Girardeau, Missouri

Banks and credit unions serving Cape Girardeau, Missouri. Compare up to 2.50% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Cape Girardeau, Missouri. All rankings inherit from the Missouri state directory. Every institution listed is licensed to serve Cape Girardeau residents and is either headquartered in Missouri or operates branches in the metro.

Top options in Cape Girardeau

• Multipli Credit Union: 3.85% APY. 12 Month Certificate: A standard Certificate requires a $500 minimum deposit; the 6 Month pays 4.00% and the 24 Month 4.15%; rates effective 8/20/2026. Read Sep 7, 2026 on multiplicu.com. Rates as of 2026-08-20 per the page.
• Midwest BankCentre: 3.75% APY. 12-Month CD: $1,000 minimum to open and $1,000 minimum balance to earn the APY; rates effective as of 09/06/2026; read on midwestbankcentre.com/personal-banking/personal-cds. Read Sep 7, 2026 on midwestbankcentre.com. Rates as of 2026-09-06 per the page.
• First Community CU: 3.70% APY. 12-month Certificate of Deposit: $500 minimum to open; interest compounded and credited at maturity; rates accurate as of September 4, 2026. Read Sep 7, 2026 on firstcommunity.com. Rates as of 2026-09-04 per the page.
• Navy Federal Credit Union: 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• Mazuma Credit Union: 3.60% APY. 12-month Classic CD 1 Year: Classic CD, $500 minimum deposit; the $10,000 minimum table pays 3.70% for the same 1 Year term; read on mazuma.org/certificate-of-deposit. Read Sep 7, 2026 on mazuma.org.
• Together Credit Union: 3.55% APY. 12 Month Certificate: $1,000 minimum balance / average daily balance, standard certificate table; the Gold Member Merit table (household relationship of $25,000 or more in loans and deposits) pays 3.60%; an 11 Month CD Special pays 4.25% APY, accurate as of 08/18/2026. Read Sep 7, 2026 on togethercu.org.

Other Missouri cities

See the full Missouri banks directory for every institution we've verified in the state, plus the underlying methodology.