Bank · FDIC insured
Preferred Bank CD Rates
Preferred Bank’s best CD rate is 3.86% APY on an 11-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Preferred Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Preferred Bank has the most branches. $10,000, best rate first.
This bank’s best
Preferred Bank
3.86%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $353
Certificate of Deposit Special
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
Preferred Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.86%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo1.76%
- QualifiedQualified3.86%
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 Preferred 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 Special
3.86%APY · 1 term
Compounded quarterly. *11 Month CD Special will automatically renew at maturity as a 12 month CD. A certificate maturing one year or less will have a 90 day interest penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsCompounded quarterly. *11 Month CD Special will automatically renew at maturity as a 12 month CD. A certificate maturing one year or less will have a 90 day interest penalty | 3.86% | $353 |
Sources (1)
- mypfbank.com/rates · captured Oct 5, 2026
Certificate of Deposit
Up to 1.76%APY · 6 terms
Compounded quarterly. A certificate maturing one year or less will have a 90 day interest penalty. A certificate maturing over one year will have a 180 day interest penalty.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day Certificate. Compounded quarterly. A certificate maturing one year or less will have a 90 day interest penalty | — | 0.50% | 0.50% | $12 |
| 6 monthsCompounded quarterly. A certificate maturing one year or less will have a 90 day interest penalty | 0.75% | — | 0.75% | $37 |
| 12 monthsCompounded quarterly. A certificate maturing one year or less will have a 90 day interest penalty | 1.26% | — | 1.26% | $126 |
| 18 monthsCompounded quarterly. A certificate maturing over one year will have a 180 day interest penalty | 1.76% | — | 1.76% | $265 |
| 24 monthsCompounded quarterly. A certificate maturing over one year will have a 180 day interest penalty | 1.76% | — | 1.76% | $355 |
| 36 monthsCompounded quarterly. A certificate maturing over one year will have a 180 day interest penalty | 1.76% | — | 1.76% | $537 |
Sources (1)
- mypfbank.com/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
2.27%APY · 1 term
Compounded quarterly. A certificate maturing over one year will have a 180 day interest penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsCompounded quarterly. A certificate maturing over one year will have a 180 day interest penalty | 2.27% | $459 |
Sources (1)
- mypfbank.com/rates · 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.