Kansas

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Kansas City, Kansas CD Rates – 18-Month

You are viewing rates from banks across Kansas City





Below are eighteen-month Certificates of Deposit (CD) rates from banks in Kansas City, Kansas . Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Kansas City, KS - August 2, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 5.00% → 4.30%

| Sep 19, 2019

No Specials are being offered. These rates are wrong. Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 4.20%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

| Sep 18, 2023

I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Rate History: 2.02% → 4.47% → 4.06%

| Sep 13, 2021

On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%

| Jun 26, 2020

Rate not current Read More

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

Rate History: 4.25% → 3.75% → 3.25% → 2.75%

Rate History: 0.20% → 2.55% → 2.45% → 2.30% → 2.05%

| May 29, 2020

Dua Read More

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 1.70% → 4.65% → 1.70% → 1.20% → 1.00%

| Jan 29, 2024

Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More

Rate History: 1.16% → 2.18% → 2.07% → 0.95%

0.80%

$100,000

16.92

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0.70%

$10,000

21.70

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0.70%

$10,000

16.82

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.60%

$1,000

20.57

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0.60%

$10,000

20.72

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0.55%

$10,000

16.63

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0.50%

$100,000

15.73

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| Jun 25, 2021

TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More

0.45%

$10,000

20.72

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0.45%

$10,000

16.92

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0.43%

$10,000

0.23

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0.40%

$10,000

15.73

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| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.35%

$250

21.68

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.35%

$10,000

10.56

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0.35%

$10,000

20.72

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0.31%

$10,000

8.63

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0.30%

$10,000

13.81

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0.30%

$10,000

16.57

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| Nov 9, 2018

The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More

| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

0.10%

$10,000

20.95

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0.08%

$500

17.74

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| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

Rate History: 0.10% → 0.02% → 0.10% → 0.02%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Kansas City, KS - August 2, 2025


Branch Street City State
Simmons Bank
15670 West 135th Branch
15670 W. 135th Olathe KS
Security Bank of Kansas City
Shawnee Branch
5450 Roberts Street Shawnee KS
Wells Fargo Bank, National Association
Olathe Branch
2137 East Santa Fe Drive Olathe KS
Intrust Bank, National Association
Olathe Branch
18225 West 106th Street Olathe KS
BOKF, National Association
Overland Park Office Branch
11225 College Blvd Overland Park KS
First Federal Bank of Kansas City
132 Oak St Branch
132 Oak Street Bonner Springs KS
Union Bank and Trust Company
Commercial State Bk. Of Bonner Sprin Branch
309 Oak Street Bonner Springs KS
Fidelity Bank, National Association
Metcalf Branch
14435 Metcalf Avenue Overland Park KS
BMO Bank National Association
Monticello Branch
21900 Shawnee Mission Parkway Shawnee KS
Argentine Federal Savings
Overland Park Branch
12501 Antioch Rd Overland Park KS
Community National Bank
Basehor Branch
15718 Pinehurst Drive Basehor KS
Farmers Bank & Trust
Cedar Lake Village Branch
15325 South Lone Elm Road Olathe KS
CoreFirst Bank & Trust
Corefirst Bank & Trust Branch
11875 South Ridgeview Road Olathe KS
Academy Bank, National Association
Bonner Springs Wal-Mart Branch # 58
12801 Kansas Avenue Bonner Springs KS
Great American Bank
De Soto Branch
33050 West 83rd Street De Soto KS
The Citizens National Bank
Leavenworth Branch
601 Delaware Leavenworth KS
First State Bank and Trust
Basehor Branch
15506 Pinehurst Drive Basehor KS
First Heritage Bank
First Heritage Bank Commercial Divis Branch
7450 West 130th Street, Suite 100 Overland Park KS
TriCentury Bank
Tricentury Bank Branch
33485 Lexington Avenue De Soto KS
The Citizens National Bank
Leavenworth Branch
601 Delaware Leavenworth KS
Community National Bank
Basehor Branch
15718 Pinehurst Drive Basehor KS
Liberty Bank and Trust Company
1314 North 5th Street Branch
1314 North 5th Street Kansas City KS
First Heritage Bank
First Heritage Bank Commercial Divis Branch
7450 West 130th Street, Suite 100 Overland Park KS
Enterprise Bank & Trust
East Branch
110 North Clairborne Olathe KS
Great Southern Bank
Desoto Branch
34102 Commerce Drive De Soto KS
Armed Forces Bank, National Association
Armed Forces Bank, National Association Branch
330 Kansas Avenue Fort Leavenworth KS
Landmark National Bank
Lenexa Branch
7900 Quivira Lenexa KS
The Citizens National Bank
Leavenworth Branch
601 Delaware Leavenworth KS
Bank of Prairie Village
Bank Of Prairie Village Branch
3515 W. 75th Street Prairie Village KS
NBH Bank
K-7 Midland Drive Branch # 33
22120 Midland Drive Shawnee KS
Cornerstone Bank
Cornerstone Bank Branch
9120 W. 135th Street Overland Park KS
Bank of Labor
Olathe Branch
17900 West 119th Street Olathe KS
UMB Bank, National Association
Shawnee Branch
22320 W 66th Street Shawnee KS
Commerce Bank
Commerce Bank Branch
200 N Broadway Leavenworth KS
First National Bank of Omaha
Olathe Branch
13518 South Alden Street Olathe KS
U.S. Bank National Association
Bonner Springs Branch
13020 Canaan Drive Bonner Springs KS
Bank of America, National Association
Shawnee Crossing Branch
22425 W. 66th Street Shawnee KS
First-Citizens Bank & Trust Company
Overland Park Branch
7850 College Blvd Overland Park KS


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

  • A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 18 month period.
  • FDIC insurance.
  • Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for 18 months. Removing it early results in significant penalties.
  • Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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