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 31–45 results in Kansas City, MO-KS metro
- 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 - 4.10%APY$1,281 over 36 months on $10,000
Requirements
Product: Eligibility Requirements Apply: CAP Member (Client Appreciation Program Member in good standing) OR Non-CAP Member with New Dollars (foreign funds/dollars from outside Mutual Savings). For maturing CDs, client must add 50% of maturing balance or $2,000, whichever is less (foreign funds outside Mutual Savings). Early withdrawal penalty applies.
Offer: 3 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies.
4.04% interest rate
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Compounded daily and paid quarterly. Subject to change daily.
Offer: Subject to change daily. 90 day penalty for early withdrawal before maturity.
4.00% interest rate · Compounded daily
Rate checked
More details - 4.06%APY$475 over 14 months on $10,000
Effective May 28, 2026
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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 - First State Bank of St. CharlesCertificates of Deposit SpecialsCD · 7 months · $5,000 min
Bank · 1 branch
4.05%APY$234 over 7 months on $10,000Requirements
Product: Not available with IRAs. Assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
Offer: Not available with IRAs.
3.97% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.05%APY$474 over 14 months on $10,000with conditions
Requirements
Product: Interest on CD Specials is compounded monthly. A new or existing Central National Bank checking account is required for the .25% premium shown on CD specials. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO. Not available for public fund customers.
Offer: Requires new or existing active Central National Bank checking account for the 0.25% premium. Limited time offer. 14-MONTH BIRTHDAY SPECIAL.
Qualified rate · 3.98% interest rate · Compounded monthly · Effective Oct 13, 2026
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More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Offer valid for new money only (funds not currently held at F&C Bank). Penalty for early withdrawal. Interest rate subject to change at any time.
Offer: Offer valid for new money only (funds not currently held at F&C Bank). Minimum $2,500 to open. Penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Jul 1, 2026
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More details - 4.03%APY$200 over 6 months on $10,000
Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.95% interest rate · Effective Jan 1, 2026
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More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min
Credit union · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.
Promotional rate · 3.93% interest rate
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
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More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Rates may vary by bank location. In most cases, CDs automatically renew with a 10-day grace period. Early withdrawal penalty is 3 months interest for terms <= 12 months, 6 months interest for terms > 12 months. $500 minimum opening deposit with automatic renewal, or $2,500 minimum opening deposit without automatic renewal for 3-, 6-, and 9-month terms.
Offer: Featured Rate. $500 minimum opening deposit with automatic renewal; $2,500 minimum opening deposit without automatic renewal.
Rate checked
More details - Farmers Insurance Federal Credit UnionNo Penalty 9-Month CertificateCD · 9 months · $1,000 min
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.
Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.
Promotional rate · 3.93% interest rate
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - Kansas City Credit UnionShare Certificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 3 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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