Bank · FDIC insured
Legacy Bank CD Rates
Legacy Bank’s best CD rate is 3.80% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Legacy Bank’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Legacy Bank has the most branches. $10,000, best rate first.
This bank’s best
Legacy Bank
3.80%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $220
Certificates of Deposit (CD)
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Legacy Bank CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.80%
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 Legacy 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 (CD)
Up to 3.80%APY · 10 terms
Must be at least 16 years of age, a Kansas resident, and not a resident alien to open online (others may open in person or by phone). Interest compounded quarterly for terms of 6 months or greater; paid at maturity for 4-week and 13-week terms. Automatic renewal with 10-day grace period. Early withdrawal subject to penalty. Fees may reduce earnings.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month4 Week (28 day) term. Interest paid at maturity | — | — | 0.25% | 0.25% | $2 |
| 3 months13 Week (91 day) term. Interest paid at maturity | — | — | 0.50% | 0.50% | $13 |
| 6 monthsInterest compounded quarterly | 2.00% | — | — | 2.00% | $100 |
| 7 monthsSpecial Promotion. Requires $5,000 minimum balance to open and earn APY. IRAs are not included in this special | — | 3.80% | — | 3.80% | $220 |
| 12 months1 Year term. Requires $1,000 minimum balance to open and earn APY. Interest compounded quarterly | 3.70% | — | — | 3.70% | $370 |
| 18 monthsInterest compounded quarterly | 3.20% | — | — | 3.20% | $484 |
| 24 months2 Year term. Interest compounded quarterly | 3.40% | — | — | 3.40% | $692 |
| 36 months3 Year term. Interest compounded quarterly | 3.35% | — | — | 3.35% | $1,039 |
| 48 months4 Year term. Interest compounded quarterly | 3.20% | — | — | 3.20% | $1,343 |
| 60 months5 Year term. Interest compounded quarterly | 3.45% | — | — | 3.45% | $1,848 |
Sources (3)
- legacy.bank/help-center/rates-fees
- legacy.bank/personal-banking/personal-cds-and-iras
- legacy.bank/rates-and-fees-type/deposit-rates
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 3.20%APY · 2 terms
Available as Traditional and Roth IRAs with fixed rates. $100 minimum opening deposit. APY assumes interest will remain on deposit until maturity. Automatically renews. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month term | 2.00% | $100 |
| 18 months18 Month: Add-On product. Make deposits to the 18-month product anytime | 3.20% | $484 |
Sources (3)
- legacy.bank/help-center/rates-fees
- legacy.bank/personal-banking/personal-cds-and-iras
- legacy.bank/rates-and-fees-type/deposit-rates
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.