Bank · FDIC insured
Golden Belt Bank CD Rates
Golden Belt Bank’s best CD rate is 3.75% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Golden Belt Bank’s CD rates compare
Compared with banks and credit unions near Hays, KS, where Golden Belt Bank has the most branches. $10,000, best rate first.
This bank’s best
Golden Belt Bank
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Certificates of Deposit (CDs)
Top rate
Heartland Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,925
2nd-highest rate
Credit Union of America
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
Golden Belt Bank CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.75%
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 Golden Belt 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.
Certificates of Deposit (CDs)
Up to 3.75%APY · 8 terms
Rates listed are valid for personal accounts only. Available in various terms from 3 months to 7 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.25% | $80 |
| 6 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.65% | $181 |
| 9 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.70% | $276 |
| 12 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.75% | $375 |
| 18 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.00% | $453 |
| 24 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 2.75% | $558 |
| 36–60 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 2.75% | $848 |
| 60–84 monthsThe minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 2.75% | $1,453 |
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.