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 16–30 results in Kansas City, MO
- 3.90%APY$390 over 1 year on $10,000
Requirements
Product: 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.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.83% interest rate · Effective Jul 10, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 10 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: Available online or at Kansas City area branches. Interest compounded daily and paid quarterly.
Offer: Minimum balance to open is $1,000.
Compounded daily
Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 10 branches
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalty applies.
3.69% interest rate
Rate checked
More details - 3.75%APY$1,587 over 48 months on $10,000
Requirements
Product: Low minimum deposit; terms from three months to five years; dividends paid quarterly; automatic renewals; may be used as collateral for loans.
3.75% interest rate
Rate checked
More details - 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalty applies.
3.59% interest rate
Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 12 months · $500 min · 3.50%–3.65% by balance
Credit union · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.50% $10,000 and upYour amount 3.65% Rate checked
More details - 3.64%APY$364 over 1 year on $10,000
Requirements
Product: A Membership Savings/Share Account with a $5 minimum balance is required to establish and maintain membership. A penalty may be assessed in the event of early withdrawal. Dividends are credited and compounded quarterly.
Offer: Dividends credited and compounded quarterly.
3.60% interest rate · Compounded quarterly
Rate checked
More details - Security Bank of Kansas CityCertificates of Deposit - Fixed RateCD · 18 months · $500 min
Bank · 5 branches
3.60%APY$545 over 18 months on $10,000Requirements
Product: Interest compounded and credited quarterly. $500.00 minimum to open unless otherwise noted. Penalty for early withdrawal may apply.
3.55% interest rate
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce earnings in the account.
Offer: 12 Month CD. Minimum balance requirement exists to earn the interest rate and APY listed. Daily balance method applies.
3.50% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Certificate dividends are earned at the applicable term's fixed rate until maturity. Subject to penalty for early withdrawal. Membership eligibility required.
Offer: Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.
3.49% interest rate · Effective Feb 1, 2025
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Set target amount and make regular required deposits of $25 or more. Automatically transferred into holder's primary share account upon maturity. Membership eligibility required. Early withdrawal penalty applies.
Offer: Requires regular deposits of $25 or more to reach target amount.
3.45% interest rate
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