Bank · FDIC insured
Pony Express Bank CD Rates
Pony Express Bank’s best CD rate is 4.10% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Pony Express Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Pony Express Bank has the most branches. $10,000, best rate first.
This bank’s best
Pony Express Bank
4.10%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $445
Certificates of Deposit
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
Pony Express Bank CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- 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 Pony Express 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 4.10%APY · 11 terms
Penalty for early withdrawal. $500 minimum deposit to open. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 0.75% | $19 |
| 6 monthsPenalty for early withdrawal | 3.00% | $149 |
| 7 monthsAt maturity, this will auto-renew at the then current 6-month rate/APY | 4.05% | $234 |
| 12 monthsPenalty for early withdrawal | 3.15% | $315 |
| 13 monthsAt maturity, this will auto-renew at the then current 12-month rate/APY | 4.10% | $445 |
| 18 monthsPenalty for early withdrawal | 1.50% | $226 |
| 24 monthsPenalty for early withdrawal | 2.00% | $404 |
| 30 monthsPenalty for early withdrawal | 2.00% | $508 |
| 36 monthsPenalty for early withdrawal | 2.50% | $769 |
| 48 monthsPenalty for early withdrawal | 2.50% | $1,038 |
| 60 monthsPenalty for early withdrawal | 3.00% | $1,593 |
Sources (2)
- ponyexpressbank.com/personal/p…ates-of-deposit-cds.html
- ponyexpressbank.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 11 terms
Penalty for early withdrawal. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 0.75% | $19 |
| 6 monthsPenalty for early withdrawal | 3.00% | $149 |
| 7 monthsAt maturity, this will auto-renew at the then current 6-month rate/APY | 4.05% | $234 |
| 12 monthsPenalty for early withdrawal | 3.15% | $315 |
| 13 monthsAt maturity, this will auto-renew at the then current 12-month rate/APY | 4.10% | $445 |
| 18 monthsPenalty for early withdrawal | 1.50% | $226 |
| 24 monthsPenalty for early withdrawal | 2.00% | $404 |
| 30 monthsPenalty for early withdrawal | 2.00% | $508 |
| 36 monthsPenalty for early withdrawal | 2.50% | $769 |
| 48 monthsPenalty for early withdrawal | 2.50% | $1,038 |
| 60 monthsPenalty for early withdrawal | 3.00% | $1,593 |
Sources (1)
- ponyexpressbank.com/services-tools/tools/rates.html · captured Oct 5, 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.