Credit union · NCUA insured
Public Safety Credit Union CD Rates
Top CarrotPublic Safety Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Public Safety Credit Union’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Public Safety Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Public Safety Credit Union
3.90%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $390
Share Certificates
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
Public Safety Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.90%
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 Public Safety Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.90%APY · 7 terms
Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.50% | $173 |
| 12 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.90% | $390 |
| 18 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.60% | $545 |
| 24 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.50% | $712 |
| 36 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.50% | $1,087 |
| 48 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.50% | $1,475 |
| 60 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses | 3.50% | $1,877 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.90%APY · 7 terms
Minimum required deposit is $500. Rates vary based on member relationship with the Credit Union and include all available bonuses. IRA Share Certificates may be subject to IRS penalties for withdrawal prior to age 59½ and other tax reporting requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.50% | $173 |
| 12 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.90% | $390 |
| 18 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.60% | $545 |
| 24 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.50% | $712 |
| 36 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.50% | $1,087 |
| 48 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.50% | $1,475 |
| 60 monthsCertificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses. Subject to IRS penalties for early withdrawal prior to age 59½ | 3.50% | $1,877 |
Sources (2)
All captured Sep 17, 2026
Who can join Public Safety Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of First Responder Agencies in Missouri and Kansas are eligible for membership.
- Employees of Public Safety Credit Union are eligible for membership.
- Employees of Private Security Agencies in Missouri and Kansas are eligible for membership.
Military, government and schools
- Employees of Kansas City Crime Commission, Kansas City Board of Police Commissioners, and KCMO Police Retirement Board are eligible for membership.
- Employees of Prosecuting Attorney offices in Missouri and Kansas are eligible for membership.
Family and household
- Family members of any eligible individual are eligible for membership.
1 more way to join
Other ways
- All active and retired First Responders in Kansas and Missouri are eligible for membership.
Membership information collected October 4, 2026.