Bank · FDIC insured
Kirkwood Bank CD Rates
Kirkwood Bank’s best CD rate is 4.27% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Kirkwood Bank’s CD rates compare
Compared with banks and credit unions near Bismarck, ND, where Kirkwood Bank has the most branches. $10,000, best rate first.
This bank’s best
Kirkwood Bank
4.27%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $647
Certificates of Deposit
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Kirkwood Bank CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.27%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.27%
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 Kirkwood 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
Up to 4.27%APY · 9 terms
Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 3.55% | — | 3.55% | $88 |
| 6 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 3.79% | — | 3.79% | $188 |
| 9 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 4.02% | — | 4.02% | $300 |
| 12 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 4.10% | — | 4.10% | $410 |
| 18 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | — | 4.27% | 4.27% | $647 |
| 30 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | — | 4.01% | 4.01% | $1,033 |
| 36 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | — | 4.00% | 4.00% | $1,249 |
| 48 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | — | 4.00% | 4.00% | $1,699 |
| 60 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | — | 4.00% | 4.00% | $2,167 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.37%APY · 2 terms
Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 4.37% | $663 |
| 30 monthsSubstantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account | 4.11% | $1,059 |
Sources (1)
- kirkwoodbank.com/personal-banking/deposit-rates · captured Oct 15, 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.