Compare Bank & Credit Union Rates
Best CD rates and certificates
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-KS metro
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
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
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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
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More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
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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
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More details - 4.16%APY$241 over 7 months on $10,000
Requirements
Product: For both short- and long-term savings, ranging from 30 days to 60 months. Minimum balance to open is $500.00. An interest penalty may be imposed for early withdrawals.
Offer: An interest penalty may be imposed for early withdrawals. 7 Month CD.
4.10% interest rate · Effective Apr 1, 2026
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More details - 4.15%APY$205 over 6 months on $10,000
Requirements
Product: 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.
Offer: Term is 6 months (182 days). Balance of $500 required to obtain APY.
4.11% interest rate
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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
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More details - 4.15%APY$847 over 24 months on $10,000intro rate
Requirements
Product: Term Share Accounts pay dividends quarterly. Early withdrawal penalties may apply and reduce earnings. Membership eligibility required.
Offer: Current Term Share Account Special. Requires new money. Automatically renews at then current 6-month terms unless specified. Dividends paid quarterly.
Promotional rate · 4.09% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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More details - First Federal Bank of Kansas CityCertificates of DepositCD · 36 months · $1,000 min
Bank · 9 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
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More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Penalty for early withdrawal. $500 minimum deposit to open. Rates subject to change at any time.
Offer: At maturity, this will auto-renew at the then current 12-month rate/APY.
4.04% interest rate
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More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% 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
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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-KS metro
773 CDs at 80 banks and credit unions · checked Oct 16–22
- Typical
- 2.78%
- Top 10% from
- 4.05%
- Banks, typical
- 2.01%
- Credit unions, typical
- 3.41%
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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