Bank · FDIC insured
Dream First Bank CD Rates
Dream First Bank’s best CD rate is 3.71% APY on a 1-year CD. Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How Dream First Bank’s CD rates compare
Compared with banks and credit unions near Garden City, KS, where Dream First Bank has the most branches. $10,000, best rate first.
This bank’s best
Dream First Bank
3.71%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $371
Consumer Certificate of Deposit
Top rate
Grant County Bank
4.69%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,576
2nd-highest rate
Commerce Bank
3.85%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $583
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Consumer Certificate of Deposit
3.71%APY · 1 term
Flexible terms from 3 to 60 months. Quarterly interest payments and no maintenance or setup fees. Fixed interest rate for chosen term. For terms one year and less, tiered rate with higher interest on balances $50,000 and greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed interest rate for chosen term; quarterly interest payments; no maintenance or setup fees | 3.71% | $371 |
Sources (2)
All captured Sep 18, 2026
Emergen-CD
2.99%APY · 1 term
Quarterly interest payments and no maintenance or setup fees. Includes one rate bump up during the term. Deposits allowed at any time. No penalties for emergency withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months3 year maturity with one rate bump during the term to current 36-month interest rate; deposits allowed anytime; no early withdrawal penalty for emergencies | 2.99% | $924 |
Sources (2)
All captured Sep 18, 2026
Opening an account
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