Bank · FDIC insured
Mutual Savings Association CD Rates
Mutual Savings Association’s best CD rate is 4.10% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mutual Savings Association’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Mutual Savings Association has the most branches. $10,000, best rate first.
This bank’s best
Mutual Savings Association
4.10%APY
- Term
- 36 months
- Minimum
- $2,000
- Earns on $10,000
- $1,281
CAP Member and Special CDs
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Mutual Savings Association CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Mutual Savings Association 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.
CAP Member and Special CDs
Up to 4.10%APY · 7 terms
Eligibility Requirements Apply: CAP Member (Client Appreciation Program Member in good standing) OR Non-CAP Member with New Dollars (foreign funds/dollars from outside Mutual Savings). For maturing CDs, client must add 50% of maturing balance or $2,000, whichever is less (foreign funds outside Mutual Savings). Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 3.85% | $96 |
| 6 months182 Day Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 3.85% | $193 |
| 12 months1 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 3.85% | $385 |
| 24 months2 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 4.00% | $816 |
| 36 months3 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 4.10% | $1,281 |
| 48 months4 Year Certificate with Rate Protection: CAP Member or New Dollars eligibility required. If rates increase, rate can be adjusted up to current rate offered for remaining term up to twice. Rate never goes lower than initial or adjusted rate. Interest rate and APY may change after opening. Early withdrawal penalty applies | 3.25% | $1,365 |
| 60 months5 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies | 4.00% | $2,167 |
Community Reinvestment Account (CD)
Up to 3.00%APY · 7 terms
Early withdrawal penalty applies. 4 Year Certificate includes Rate Protection allowing up to two rate increases to current rate for remaining term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day Certificate. Early withdrawal penalty applies | 1.00% | $25 |
| 6 months182 Day Certificate. Early withdrawal penalty applies | 2.25% | $113 |
| 12 months1 Year Certificate. Early withdrawal penalty applies | 2.25% | $225 |
| 24 months2 Year Certificate. Early withdrawal penalty applies | 3.00% | $609 |
| 36 months3 Year Certificate. Early withdrawal penalty applies | 2.50% | $769 |
| 48 months4 Year Certificate with Rate Protection: If rates increase, rate can be adjusted up to current rate offered for remaining term up to twice. Rate never goes lower than initial or adjusted rate. Interest rate and APY may change after opening. Early withdrawal penalty applies | 2.50% | $1,038 |
| 60 months5 Year Certificate. Early withdrawal penalty applies | 3.00% | $1,593 |
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.