Bank · FDIC insured
Bank 21 CD Rates
Bank 21’s best CD rate is 3.50% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank 21’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Bank 21 has the most branches. $10,000, best rate first.
This bank’s best
Bank 21
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
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
Bank 21 CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.50%
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 Bank 21 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 3.50%APY · 8 terms
A penalty will be imposed for early withdrawal from Certificates of Deposit. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term. Penalty for early withdrawal | 1.00% | $25 |
| 6 months182 Day term. Penalty for early withdrawal | 3.50% | $173 |
| 12 months12 Month term. Penalty for early withdrawal | 3.50% | $350 |
| 18 months18 Month term. Penalty for early withdrawal | 3.50% | $530 |
| 24 months24 Month term. Penalty for early withdrawal | 3.50% | $712 |
| 36 months36 Month term. Penalty for early withdrawal | 3.00% | $927 |
| 48 months48 Month term. Penalty for early withdrawal | 3.00% | $1,255 |
| 60 months60 Month term. Penalty for early withdrawal | 3.00% | $1,593 |
Sources (1)
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.50%APY · 8 terms
Individual Retirement Accounts are offered under the same maturities and interest rates as Certificates of Deposit. A penalty will be imposed for early withdrawal. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term. Penalty for early withdrawal | 1.00% | $25 |
| 6 months182 Day term. Penalty for early withdrawal | 3.50% | $173 |
| 12 months12 Month term. Penalty for early withdrawal | 3.50% | $350 |
| 18 months18 Month term. Penalty for early withdrawal | 3.50% | $530 |
| 24 months24 Month term. Penalty for early withdrawal | 3.50% | $712 |
| 36 months36 Month term. Penalty for early withdrawal | 3.00% | $927 |
| 48 months48 Month term. Penalty for early withdrawal | 3.00% | $1,255 |
| 60 months60 Month term. Penalty for early withdrawal | 3.00% | $1,593 |
Sources (1)
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html · 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.