Bank · FDIC insured
Academy Bank CD Rates
Academy Bank’s best CD rate is 4.40% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Academy Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Academy Bank has the most branches. $10,000, best rate first.
This bank’s best
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Certificate of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Academy Bank CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo1.15%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo3.51%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Academy Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.40%APY · 14 terms
Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30-Day term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Early withdrawal penalty: 7 - 91 Days: 60 days loss of interest | 1.00% | $8 |
| 3 months91-Day term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Early withdrawal penalty: 7 - 91 Days: 60 days loss of interest | 1.05% | $26 |
| 6 months182-Day term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Early withdrawal penalty: 92 - 182 Days: 182 days loss of interest | 1.15% | $57 |
| 9 months9-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.45% | $258 |
| 12 months12-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 4.20% | $420 |
| 13 months13-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 4.00% | $434 |
| 15 months15-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 4.30% | $540 |
| 18 months18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 4.40% | $667 |
| 19 months19-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.51% | $561 |
| 24 months24-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.51% | $714 |
| 30 months30-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.51% | $901 |
| 36 months36-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.51% | $1,090 |
| 48 months48-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest | 3.51% | $1,480 |
| 60 months60-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 60 Months: 2 years loss of interest | 3.51% | $1,883 |
Sources (1)
- academybank.com/personal/save/certificate-of-deposit · captured Oct 16, 2026
Special-purpose accounts
CD IRA
Up to 4.40%APY · 14 terms
Tax-deferred growth at a guaranteed fixed rate earned on the entire balance. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month30-Day term. Minimum opening balance of $500 required to obtain disclosed APY. Paid at maturity | 1.00% | $8 |
| 3 months91-Day term. Minimum opening balance of $500 required to obtain disclosed APY. Paid at maturity | 1.05% | $26 |
| 6 months182-Day term. Minimum opening balance of $500 required to obtain disclosed APY. Paid at maturity | 1.15% | $57 |
| 9 months9-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Paid at maturity | 3.45% | $258 |
| 12 months12-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 4.20% | $420 |
| 13 months13-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 4.00% | $434 |
| 15 months15-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 4.30% | $540 |
| 18 months18-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 4.40% | $667 |
| 19 months19-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $561 |
| 24 months24-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $714 |
| 30 months30-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $901 |
| 36 months36-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $1,090 |
| 48 months48-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $1,480 |
| 60 months60-Month term. Minimum opening balance of $500 required to obtain disclosed APY. Interest compounded and credited quarterly | 3.51% | $1,883 |
Sources (1)
- academybank.com/personal/save/…money-market-and-cd-iras · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.