Best CD rates and certificates

Requirements

Product: Rates subject to change at any time. A penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open. Interest is paid monthly on the daily balance from the date of issue. Automatically renews at maturity.

Offer: Certificate Special. Fixed rate type. 13 month certificate will mature to a 12 month certificate. Early withdrawal penalty may apply.

Requirements

Product: Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's.

Offer: Online only. Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's. Minimum deposit of $1,000.00 is required to obtain APY. Maximum amount to open CD is $90,000.

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.

Requirements

Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.

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.

Requirements

Product: Rates effective August 19, 2026. A penalty may be imposed for early withdrawal. Annual percentage yield assumes interest remains on deposit until maturity. Specials terms are not available in IRAs.

Offer: Special rate; not available in IRAs.

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.

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.

Requirements

Product: Compounded and credited quarterly. Daily balance method used to calculate interest paid. Automatic renewals. Penalty of forfeited interest paid may be imposed for early withdrawal.

Offer: Interest compounded and credited quarterly.

Requirements

Product: Must be new money. Unlimited deposits allowed for the duration.

Offer: Requires new money; $500 minimum opening deposit; unlimited deposits allowed for the duration.

Requirements

Product: Personal accounts only. Minimum balance to open and obtain APY is $1,000.00. A penalty may be imposed for early withdrawal.