Compare Bank & Credit Union Rates
Best CD rates in Kansas City, MO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Kansas City, MO
- 5.00%APY$289 over 7 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum $5,000. Maximum $1,000,000.
Offer: Online only. Maximum balance to open is $1,000,000.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.92%APY$619 over 15 months on $10,000with conditions
Requirements
Product: Interest compounded daily. Relationship rates based on aggregate daily balances in qualifying NASB Checking accounts. Balance tiers for 4.97% and 5.07% tiers are blank in current evidence.
Offer: Base rate without qualifying checking relationship.
Qualified rate · 4.80% interest rate · Compounded daily
Rate checked
More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 18-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.20%APY$1,789 over 48 months on $10,000
Requirements
Product: FDIC insured time-deposit accounts. Minimum opening deposit of $1,000 required. Accounts opened online reside in Kansas for legal purposes; IRAs and trust accounts cannot be opened online. CDs generally renew automatically at maturity with a 10-calendar-day grace period. Early withdrawal penalties apply to principal withdrawals. No monthly maintenance fees.
Offer: Term: 48 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest.
4.11% interest rate · Compounded daily · Effective Sep 18, 2026
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Early withdrawal of funds prior to maturity may result in penalty. Fees could reduce earnings.
4.07% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Federal Bank of Kansas CityCertificates of DepositCD · 36 months · $1,000 min
Bank · 2 branches
4.15%APY$1,297 over 36 months on $10,000Requirements
Product: No monthly maintenance service charge. Penalty for early withdrawal. Fixed rate for the full term. FDIC insured up to $250,000.
Offer: Penalty for early withdrawal.
4.09% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: $1,000 minimum deposit. Penalty for early withdrawal. Fees may reduce earnings.
4.04% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.06%APY$2,202 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
Offer: 5 year CD. A penalty may be imposed for early withdrawal.
4.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - Kansas City Credit UnionShare Certificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Certificate dividends are paid at maturity.
Offer: Certificate dividends are paid at maturity.
4.00% interest rate
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: Online only. Interest compounded daily. Minimum balance to open is $5,000; maximum balance to open is $500,000.
Offer: Online only.
3.92% interest rate · Compounded daily · Balance cap $500,000 · Effective Sep 11, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Kansas City, MO
330 CDs at 29 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 3.90%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches