Bank · FDIC insured
Citizens State Bank Cheney CD Rates
Citizens State Bank Cheney’s best CD rate is 3.98% APY on a 1-year CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Citizens State Bank Cheney’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Citizens State Bank Cheney has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank Cheney
3.98%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $398
CDs
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 State Bank Cheney CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo3.98%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.98%
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 State Bank Cheney 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.
CDs
Up to 3.98%APY · 7 terms
A penalty may be imposed for early withdrawal on Certificates of Deposit. The minimum balance to open each account is shown and it is also the amount needed to obtain the stated APY. APY assumes interest will remain on deposit and withdrawal may reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1–3 months13-90 Day CD | — | — | 0.20% | 0.20% | $1 |
| 3 months91 Day CD | — | — | 1.77% | 1.77% | $44 |
| 6 months182 Day CD | — | 3.05% | — | 3.05% | $153 |
| 12 months12 Month CD | 3.98% | — | — | 3.98% | $398 |
| 18 months18 Month CD | 3.35% | — | — | 3.35% | $507 |
| 24 months24 Month CD | 3.35% | — | — | 3.35% | $681 |
| 36 months36 Month CD | 3.05% | — | — | 3.05% | $943 |
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.