Bank · FDIC insured
Central Bank of Kansas City CD Rates
Central Bank of Kansas City’s best CD rate is 4.06% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Central Bank of Kansas City’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Central Bank of Kansas City has the most branches. $10,000, best rate first.
This bank’s best
Central Bank of Kansas City
4.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,202
Certificates 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
Central Bank of Kansas City CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.06%
- QualifiedQualified4.06%
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 Central Bank of Kansas City 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.
Certificates of Deposit
Up to 4.06%APY · 7 terms
A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. A penalty may be imposed for early withdrawal | 1.26% | $32 |
| 6 months182 Day CD. A penalty may be imposed for early withdrawal | 2.27% | $114 |
| 9 months9 Month CD. A penalty may be imposed for early withdrawal | 2.27% | $170 |
| 12 months1 year CD. A penalty may be imposed for early withdrawal | 3.55% | $355 |
| 24 months2 year CD. A penalty may be imposed for early withdrawal | 3.80% | $774 |
| 36 months3 year CD. A penalty may be imposed for early withdrawal | 3.91% | $1,219 |
| 60 months5 year CD. A penalty may be imposed for early withdrawal | 4.06% | $2,202 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA
Up to 3.91%APY · 3 terms
All IRAs are invested in CDs (Traditional or Roth). A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year IRA CD (Traditional or Roth). A penalty may be imposed for early withdrawal | 3.55% | $355 |
| 24 months2 Year IRA CD (Traditional or Roth). A penalty may be imposed for early withdrawal | 3.80% | $774 |
| 36 months3 Year IRA CD (Traditional or Roth). A penalty may be imposed for early withdrawal | 3.91% | $1,219 |
Sources (3)
- centralbankkc.com/personal/cds-and-iras
- centralbankkc.com/personal/personal-banking-overview
- centralbankkc.com/resources/current-rates
All captured Oct 16, 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.