Bank · FDIC insured
First National Bank of Kansas CD Rates
First National Bank of Kansas’s best CD rate is 3.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First National Bank of Kansas’s CD rates compare
Compared with banks and credit unions near Topeka, KS, where First National Bank of Kansas has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Kansas
3.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $300
Fixed 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
Topeka Firemen's Credit Union
4.55%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $455
First National Bank of Kansas CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo3.00%
- 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 First National 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.
Fixed Certificate of Deposit
Up to 3.00%APY · 7 terms
Interest is compounded and paid semi-annually or at maturity, whichever occurs first. Daily balance method applies. Early withdrawals subject to penalty. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-day term. Early withdrawal penalty of 3 months' interest | 1.00% | $25 |
| 6 months182-day term. Early withdrawal penalty of 3 months' interest | 2.00% | $100 |
| 12 months12-month term. Early withdrawal penalty of 3 months' interest | 3.00% | $300 |
| 18 months18-month term. Early withdrawal penalty of 6 months' interest | 2.25% | $339 |
| 30 months30-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $637 |
| 48 months48-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $1,038 |
| 60 months60-month term. Early withdrawal penalty of 12 months' interest | 3.00% | $1,593 |
Sources (2)
All captured Sep 18, 2026
Jump Rate Certificate of Deposit
Up to 2.50%APY · 4 terms
You may change the interest rate on your account once during the term of your certificate to the current interest rate offered. Interest is compounded and paid semi-annually or at maturity, whichever occurs first. Daily balance method applies. Early withdrawals subject to penalty. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18-month term. Early withdrawal penalty of 6 months' interest | 2.00% | $301 |
| 30 months30-month term. Early withdrawal penalty of 12 months' interest | 2.25% | $572 |
| 48 months48-month term. Early withdrawal penalty of 12 months' interest | 2.25% | $931 |
| 60 months60-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $1,314 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Fixed IRA Certificate of Deposit
Up to 3.00%APY · 7 terms
Traditional and Roth IRA options. Funds can be used to purchase CDs within IRA. Annual contribution limits apply. Interest is compounded and paid semi-annually or at maturity, whichever occurs first. Daily balance method applies. Early withdrawals subject to penalty. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-day term. Early withdrawal penalty of 3 months' interest | 1.00% | $25 |
| 6 months182-day term. Early withdrawal penalty of 3 months' interest | 2.00% | $100 |
| 12 months12-month term. Early withdrawal penalty of 3 months' interest | 3.00% | $300 |
| 18 months18-month term. Early withdrawal penalty of 6 months' interest | 2.25% | $339 |
| 30 months30-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $637 |
| 48 months48-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $1,038 |
| 60 months60-month term. Early withdrawal penalty of 12 months' interest | 3.00% | $1,593 |
Sources (3)
- fnbofks.bank/individual-retirement-accounts-iras
- fnbofks.bank/services-tools/tools/rates
- fnbofks.bank/certificates-of-deposit-cds
All captured Sep 18, 2026
Jump Rate IRA Certificate of Deposit
Up to 2.50%APY · 4 terms
Traditional and Roth IRA options. Funds can be used to purchase CDs within IRA. You may change the interest rate on your account once during the term of your certificate to the current interest rate offered. Interest is compounded and paid semi-annually or at maturity, whichever occurs first. Daily balance method applies. Early withdrawals subject to penalty. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18-month term. Early withdrawal penalty of 6 months' interest | 2.00% | $301 |
| 30 months30-month term. Early withdrawal penalty of 12 months' interest | 2.25% | $572 |
| 48 months48-month term. Early withdrawal penalty of 12 months' interest | 2.25% | $931 |
| 60 months60-month term. Early withdrawal penalty of 12 months' interest | 2.50% | $1,314 |
Sources (3)
- fnbofks.bank/individual-retirement-accounts-iras
- fnbofks.bank/services-tools/tools/rates
- fnbofks.bank/certificates-of-deposit-cds
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.