Bank · FDIC insured
Mid-America Bank CD Rates
Top CarrotMid-America Bank’s best CD rate is 4.55% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mid-America Bank’s CD rates compare
Compared with banks and credit unions near Lawrence, KS, where Mid-America Bank has the most branches. $10,000, best rate first.
This bank’s best
Mid-America Bank
4.30%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $430
Certificate of Deposit (CD)
Top rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
2nd-highest rate
TriCentury Bank
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,462
Mid-America Bank CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.04%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Mid-America 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.
Certificate of Deposit (CD)
Up to 4.30%APY · 9 terms
Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
| Term | APY · Any balance | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 91 Day CD | — | 4.06% | —4.06% from $250k | — |
| 3 monthsStandard rate; 91 Day CD | 3.80% | — | 3.80% | $94 |
| 6 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 182 Day CD | — | 4.30% | —4.30% from $250k | — |
| 6 monthsStandard rate; 182 Day CD | 4.04% | — | 4.04% | $200 |
| 12 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 1 Year CD | — | 4.55% | —4.55% from $250k | — |
| 12 monthsStandard rate; 1 Year CD | 4.30% | — | 4.30% | $430 |
| 18 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 18 Month CD | — | 4.55% | —4.55% from $250k | — |
| 18 monthsStandard rate; 18 Month CD | 4.30% | — | 4.30% | $652 |
| 24 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 24 Month CD | — | 4.55% | —4.55% from $250k | — |
| 24 monthsStandard rate; 24 Month CD | 4.30% | — | 4.30% | $878 |
| 30 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 30 Month CD | — | 4.55% | —4.55% from $250k | — |
| 30 monthsStandard rate; 30 Month CD | 4.30% | — | 4.30% | $1,110 |
| 36 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 36 Month CD | — | 4.55% | —4.55% from $250k | — |
| 36 monthsStandard rate; 36 Month CD | 4.30% | — | 4.30% | $1,346 |
| 48 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 48 Month CD | — | 4.55% | —4.55% from $250k | — |
| 48 monthsStandard rate; 48 Month CD | 4.30% | — | 4.30% | $1,834 |
| 60 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 60 Month CD | — | 4.55% | —4.55% from $250k | — |
| 60 monthsStandard rate; 60 Month CD | 4.30% | — | 4.30% | $2,343 |
Special-purpose accounts
Individual Retirement Account (IRAs) CD
4.30%APY · 7 terms
Traditional, Simple, Roth, and SEP IRAs available; guaranteed interest rate during the CD term; complimentary paper statements or e-Statements with Online Banking; jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
| Term | APY · Any balance | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 1 Year IRA CD | — | 4.55% | —4.55% from $250k | — |
| 12 monthsStandard rate; 1 Year IRA CD | 4.30% | — | 4.30% | $430 |
| 18 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 18 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 18 monthsStandard rate; 18 Month IRA CD | 4.30% | — | 4.30% | $652 |
| 24 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 24 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 24 monthsStandard rate; 24 Month IRA CD | 4.30% | — | 4.30% | $878 |
| 30 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 30 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 30 monthsStandard rate; 30 Month IRA CD | 4.30% | — | 4.30% | $1,110 |
| 36 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 36 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 36 monthsStandard rate; 36 Month IRA CD | 4.30% | — | 4.30% | $1,346 |
| 48 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 48 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 48 monthsStandard rate; 48 Month IRA CD | 4.30% | — | 4.30% | $1,834 |
| 60 monthsJumbo rate available for certificate balances $250,000 & above when additional qualifications are met; 60 Month IRA CD | — | 4.55% | —4.55% from $250k | — |
| 60 monthsStandard rate; 60 Month IRA CD | 4.30% | — | 4.30% | $2,343 |
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.