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 1–15 results in Kansas City, MO-KS metro
- 5.09%APY$2,818 over 60 months on $10,000
Effective Oct 2, 2026
Rate checked
More details - 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 - 4.65%APY$153 over 4 months on $10,000intro rate
- 4.65%APY$828 over 21 months on $10,000intro rate
Requirements
Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
Offer: 21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity.
Promotional rate · 4.57% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.58%APY$1,395 over 35 months on $10,000intro rate
Requirements
Product: Early withdrawal on share certificates may affect dividends earned.
Offer: 35 Month *Special*
Promotional rate · 4.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.50%APY$1,454 over 37 months on $10,000with conditions
Requirements
Product: Members can use new or current MACU funds. Penalty for early withdrawal may apply. Fees could reduce earnings. Dividends calculated daily and paid monthly. Not offered on CESA certificates.
Offer: Minimum deposit: $1,000. Maximum deposit: $1,000,000. Renews as a regular 36-month certificate. Not offered on CESA certificates or Youth certificates.
Qualified rate · Balance cap $1,000,000 · Effective Oct 5, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000intro rate
Requirements
Product: Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawal. Rates Subject to Change Without Notice.
Offer: Compounded Quarterly.
Promotional rate · 4.43% interest rate · Compounded quarterly · Effective Oct 5, 2026
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More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal.
4.33% interest rate · Effective Oct 9, 2026
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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 - 4.40%APY$899 over 24 months on $10,000intro rate
Requirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Personal accounts only; business and corporate accounts do not qualify. Early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Compounds semi-annually.
4.30% interest rate
Rate checked
More details - Central Missouri Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
4.33%APY$214 over 6 months on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - Mid-America BankCertificate of Deposit (CD)CD · 12 months · $500 min · 4.30%–4.55% by balance
Bank · 1 branch
4.30%APY$430 over 1 year on $10,000Requirements
Product: Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
Offer: Standard rate; 1 Year CD
4.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Any balanceYour amount 4.30% $250,000 and up 4.55% Rate checked
More details - 4.27%APY$427 over 1 year on $10,000intro rate
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.
Promotional rate · Balance cap $90,000 · Effective Oct 2, 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-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