Bank · FDIC insured
TBO Bank CD Rates
TBO Bank’s best CD rate is 4.15% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How TBO Bank’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where TBO Bank has the most branches. $10,000, best rate first.
This bank’s best
TBO Bank
4.15%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $205
Certificate of Deposit (CD)
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
TBO Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.15%
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 TBO 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 4.15%APY · 10 terms
Rates are fixed once opened and guaranteed only if funds remain on deposit for the full term. Early withdrawals not allowed within first 90 days; after 90 days, early withdrawals require bank approval and incur a penalty. Balance of $500 required to obtain disclosed APY. Funding available exclusively via ACH transfer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 91 days. Balance of $500 required to obtain APY | 0.50% | $0 |
| 6 monthsTerm is 6 months (182 days). Balance of $500 required to obtain APY | 4.15% | $205 |
| 9 monthsBalance of $500 required to obtain APY | 4.10% | $306 |
| 12 monthsBalance of $500 required to obtain APY | 1.25% | $125 |
| 18 monthsBalance of $500 required to obtain APY | 3.80% | $575 |
| 24 monthsBalance of $500 required to obtain APY | 1.70% | $343 |
| 30 monthsBalance of $500 required to obtain APY | 1.80% | $456 |
| 36 monthsBalance of $500 required to obtain APY | 1.90% | $581 |
| 48 monthsBalance of $500 required to obtain APY | 2.00% | $824 |
| 60 monthsBalance of $500 required to obtain APY | 2.25% | $1,177 |
Sources (1)
- tbobank.com/cd-offers · captured Sep 17, 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.