Bank · FDIC insured
Central National Bank CD Rates
Central National Bank’s best CD rate is 2.00% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Central National Bank’s CD rates compare
Compared with banks and credit unions near Manhattan, KS, where Central National Bank has the most branches. $10,000, best rate first.
This bank’s best
Central National Bank
4.05%APY
- Term
- 14 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $474
CNB CD Specials
Top rate
KS StateBank
4.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $435
2nd-highest rate
Credit Union of America
4.30%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $917
Central National Bank CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo0.85%
- 9–15 months9–15 mo1.45%
- 16–30 months16–30 mo1.54%
- 31–60 months31–60 mo1.90%
- 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 Central National 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.
CNB CD Specials
Up to 4.05%APY · 1 term
Interest on CD Specials is compounded monthly. A new or existing Central National Bank checking account is required for the .25% premium shown on CD specials. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO. Not available for public fund customers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsRate & APY without active checking account. Restrictions apply | 3.80% | $445 |
| 14 monthsRequires new or existing active Central National Bank checking account for the 0.25% premium. Limited time offer. 14-MONTH BIRTHDAY SPECIAL | 4.05% | $474 |
Sources (2)
- centralnational.com/pdf_files/depositrates.pdf
- centralnational.com/personal/c…ificates-deposit-cds.asp
All captured Oct 16, 2026
Certificates of Deposit
Up to 1.90%APY · 7 terms
Interest on regular certificates of deposit with maturities of one year or longer is compounded semi-annually. APY on certificates under one year assumes certificates are renewed through one year. Amount deposited initially remains on deposit until maturity. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO.
| Term | APY · Up to $10,000 | APY · $10,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1–3 monthsTerm: 7-90 Days | 0.63% | 0.68% | 0.73% | 0.68%0.63% $0–$10k0.73% from $50k | $1 |
| 3–6 monthsTerm: 91-181 Days | 0.63% | 0.68% | 0.73% | 0.68%0.63% $0–$10k0.73% from $50k | $17 |
| 7–12 monthsTerm: 182-364 Days | 0.79% | 0.85% | 0.90% | 0.85%0.79% $0–$10k0.90% from $50k | $43 |
| 12–23 monthsTerm: 1-1.99 Years | 1.37% | 1.45% | 1.50% | 1.45%1.37% $0–$10k1.50% from $50k | $145 |
| 24–35 monthsTerm: 2-2.99 Years | 1.46% | 1.54% | 1.64% | 1.54%1.46% $0–$10k1.64% from $50k | $310 |
| 36–59 monthsTerm: 3-4.99 Years | 1.65% | 1.73% | 1.83% | 1.73%1.65% $0–$10k1.83% from $50k | $528 |
| 60–Unknown monthsTerm: 5.00+ Years | 1.80% | 1.90% | 2.00% | 1.90%1.80% $0–$10k2.00% from $50k | $987 |
Sources (1)
- centralnational.com/pdf_files/depositrates.pdf · captured Sep 18, 2026
12-Month Variable Rate "Add-On" CD
1.00%APY · 1 term
Additions may be made at any time in increments of $50 or more. Rate may change after a CD is opened. Penalties apply for early withdrawals; fees may reduce earnings.
| Term | APY · Up to $10,000 | APY · $10,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsAdditions in increments of $50 or more | 1.00% | 1.00% | 1.00% | 1.00%1.00% $0–$10k1.00% from $50k | $100 |
Sources (1)
- centralnational.com/pdf_files/depositrates.pdf · 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.