Bank · FDIC insured
Citizens Federal Savings Bank CD Rates
Citizens Federal Savings Bank’s best CD rate is 4.63% APY on a 6-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Citizens Federal Savings Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Citizens Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Federal Savings Bank
3.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $300
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
Citizens Federal Savings Bank CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.00%
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 Federal Savings 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.
6-Month CD Special
4.63%APY · 1 term
Limited time special. Converts to a regular 6-Month CD at prevailing rates at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires new money deposit. Converts to regular 6-Month CD at prevailing rates at maturity | 4.63% | $229 |
One more rate on its site comes from an older rate sheet (2024) and isn’t shown as current.
Sources (1)
- citizensfsb.bank/6-month-cd-special-4-63-apy · captured Sep 18, 2026
Certificate of Deposit
Up to 3.00%APY · 8 terms
91 days to 6 year terms. Early withdrawal penalties apply. $25 minimum deposit required for additional deposits on the 1 year CD. Compounded quarterly and credited quarterly (or credited at maturity for terms under 1 year).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD. A penalty may be imposed for early withdrawal | — | 1.75% | 1.75% | $44 |
| 6 months6 Month CD. A penalty may be imposed for early withdrawal | — | 2.50% | 2.50% | $124 |
| 12 monthsOne Year CD. A penalty may be imposed for early withdrawal | 3.00% | — | 3.00% | $300 |
| 24 monthsTwo Year CD. A penalty may be imposed for early withdrawal | 3.00% | — | 3.00% | $609 |
| 36 monthsThree Year CD. A penalty may be imposed for early withdrawal | 2.75% | — | 2.75% | $848 |
| 48 monthsFour Year CD. A penalty may be imposed for early withdrawal | 2.75% | — | 2.75% | $1,146 |
| 60 monthsFive Year CD. A penalty may be imposed for early withdrawal | 2.75% | — | 2.75% | $1,453 |
| 72 monthsSix Year CD. A penalty may be imposed for early withdrawal | 2.75% | — | 2.75% | $1,768 |
4 more rates on its site come from an older rate sheet (2024) and aren’t shown as current.
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account Certificate of Deposit
Up to 3.00%APY · 6 terms
Choose from Traditional or Roth IRAs. 1 year to 6 year terms. Minimum balances apply. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOne Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 3.00% | $300 |
| 24 monthsTwo Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 3.00% | $609 |
| 36 monthsThree Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 2.75% | $848 |
| 48 monthsFour Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 2.75% | $1,146 |
| 60 monthsFive Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 2.75% | $1,453 |
| 72 monthsSix Year Certificate of Deposit/IRA. A penalty may be imposed for early withdrawal | 2.75% | $1,768 |
Sources (2)
All captured Sep 18, 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.