Bank · FDIC insured
American Bank (Baxter Springs, KS) CD Rates
American Bank (Baxter Springs, KS)’s best CD rate is 4.05% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How American Bank (Baxter Springs, KS)’s CD rates compare
Compared with banks and credit unions near Joplin, MO-KS, where American Bank (Baxter Springs, KS) has the most branches. $10,000, best rate first.
This bank’s best
American Bank (Baxter Springs, KS)
4.05%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $826
Certificate of Deposit
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
American Bank (Baxter Springs, KS) CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.05%
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 American Bank (Baxter Springs, KS) 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 4.05%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.49% | $86 |
| 6 months | 3.70% | $183 |
| 12 months | 3.85% | $385 |
| 18 months | 4.00% | $606 |
| 24 months | 4.05% | $826 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.54% | $1,493 |
| 60 months | 3.39% | $1,814 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account
Up to 4.05%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable IRA; interest rate and annual percentage yield may change after account opening | 4.00% | $606 |
| 24 monthsFixed IRA | 4.05% | $826 |
| 36 monthsFixed IRA | 3.80% | $1,184 |
| 48 monthsFixed IRA | 3.54% | $1,493 |
| 60 monthsFixed IRA | 3.39% | $1,814 |
Sources (2)
All 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.