Bank · FDIC insured
Citizens Bank of Kansas CD Rates
Citizens Bank of Kansas’s best CD rate is 3.80% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens Bank of Kansas’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Citizens Bank of Kansas has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank of Kansas
3.80%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $284
Certificates of Deposit
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Citizens Bank of Kansas CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo0.75%
- QualifiedQualified3.80%
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 Citizens Bank of Kansas 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 3.80%APY · 9 terms
All CDs have a penalty for early withdrawal. Fees incurred may reduce earnings.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term. Penalty assessed for early withdrawal | 1.00% | — | 1.00% | $25 |
| 6 months180 Day term. Penalty assessed for early withdrawal | 2.02% | — | 2.02% | $100 |
| 9 months9 Month term. Penalty assessed for early withdrawal | — | 3.80% | 3.80% | $284 |
| 12 months12 Month term. Penalty assessed for early withdrawal | 2.52% | — | 2.52% | $252 |
| 18 months18 Month term. Penalty assessed for early withdrawal | — | 3.80% | 3.80% | $575 |
| 24 months24 Month - One Time Bump term. Penalty assessed for early withdrawal | 0.40% | — | 0.40% | $80 |
| 30 months30 Month term. Penalty assessed for early withdrawal | 0.40% | — | 0.40% | $100 |
| 48 months48 Month term. Penalty assessed for early withdrawal | 0.45% | — | 0.45% | $181 |
| 60 months60 Month term. Penalty assessed for early withdrawal | — | 0.75% | 0.75% | $381 |
Sources (2)
All captured Sep 24, 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.