Bank · FDIC insured
First Federal Bank of Kansas City CD Rates
First Federal Bank of Kansas City’s best CD rate is 4.15% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Federal Bank of Kansas City’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where First Federal Bank of Kansas City has the most branches. $10,000, best rate first.
This bank’s best
First Federal Bank of Kansas City
4.15%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,297
Certificates 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
First Federal Bank of Kansas City CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.15%
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 First Federal Bank of Kansas City 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 4.15%APY · 9 terms
No monthly maintenance service charge. Penalty for early withdrawal. Fixed rate for the full term. FDIC insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal. Not eligible for Individual Retirement Accounts (IRAs) | 1.50% | $37 |
| 6 monthsPenalty for early withdrawal. Not eligible for Individual Retirement Accounts (IRAs) | 3.50% | $173 |
| 12 monthsPenalty for early withdrawal | 3.80% | $380 |
| 18 monthsPenalty for early withdrawal | 3.45% | $522 |
| 24 monthsPenalty for early withdrawal | 4.01% | $818 |
| 30 monthsPenalty for early withdrawal | 4.05% | $1,043 |
| 36 monthsPenalty for early withdrawal | 4.15% | $1,297 |
| 48 monthsPenalty for early withdrawal | 3.60% | $1,520 |
| 60 monthsPenalty for early withdrawal | 3.60% | $1,934 |
Sources (1)
- ffbkc.com/bank/certificates-deposit · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.15%APY · 7 terms
Available as Traditional or Roth IRA. Penalty for early withdrawal. Interest rate changes to current available rate at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal. Traditional or Roth IRA | 3.80% | $380 |
| 18 monthsPenalty for early withdrawal. Traditional or Roth IRA | 3.45% | $522 |
| 24 monthsPenalty for early withdrawal. Traditional or Roth IRA | 4.01% | $818 |
| 30 monthsPenalty for early withdrawal. Traditional or Roth IRA | 4.05% | $1,043 |
| 36 monthsPenalty for early withdrawal. Traditional or Roth IRA | 4.15% | $1,297 |
| 48 monthsPenalty for early withdrawal. Traditional or Roth IRA | 3.60% | $1,520 |
| 60 monthsPenalty for early withdrawal. Traditional or Roth IRA | 3.60% | $1,934 |
Sources (2)
All 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.