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You are viewing rates from banks across Gardner
Below are 5-year CD Rates from banks that are located in Gardner, { Kansas}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.
Gardner, KS - August 2, 2025
5 Year CD National Average : 0.92% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 730 days interest. |
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Neil | 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 |
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4.00% |
$25,000 |
- |
Learn More
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Rate History: 3.05% → 3.50% → 4.11% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.95% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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3.80% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 3.85% → 3.75% → 3.80% |
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HAL1975 | 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 |
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3.55% |
$500 |
16.93 |
Learn More
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Rate History: 1.26% → 2.02% → 3.55% |
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ccass | 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 |
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3.00% |
$1,000 |
14.06 |
Learn More
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Rate History: 1.67% → 2.69% → 2.59% → 3.00% |
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3.00% |
$1,000 |
16.87 |
Learn More
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Rate History: 2.02% → 3.50% → 3.00% |
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2.75% |
$500 |
- |
Learn More
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.50% |
$1,000 |
19.33 |
Learn More
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Rate History: 3.50% → 2.50% → 3.50% → 2.50% |
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JtAlmond | Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More |
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2.32% |
$1,000 |
16.95 |
Learn More
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Rate History: 2.27% → 2.32% |
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rick | Nov 3, 2023 site does not update at all, totally wrong rates listed Read More |
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2.00% |
$500 |
21.44 |
Learn More
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Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00% |
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1.55% |
$100,000 |
13.57 |
Learn More
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Aku | May 29, 2020 Dua Read More |
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1.50% |
$1,000 |
20.80 |
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1.41% |
$50,000 |
14.31 |
Learn More
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Watson1895 | Feb 9, 2019 Can I order new checks online? Read More |
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1.35% |
$10,000 |
12.87 |
Learn More
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1.35% |
$10,000 |
14.08 |
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1.31% |
$10,000 |
14.31 |
Learn More
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Watson1895 | Feb 9, 2019 Can I order new checks online? Read More |
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1.30% |
$10,000 |
20.91 |
Learn More
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1.30% |
$10,000 |
12.92 |
Learn More
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1.10% |
$100,000 |
22.41 |
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1.05% |
$100,000 |
14.53 |
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1.05% |
$10,000 |
5.49 |
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1.00% |
$1,000 |
14.21 |
Learn More
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Rate History: 0.25% → 1.35% → 4.00% → 1.35% → 1.00% |
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Beenthere | 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 |
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1.00% |
$10,000 |
16.92 |
Learn More
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1.00% |
$10,000 |
9.70 |
Learn More
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1.00% |
$500 |
14.22 |
Learn More
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1.00% |
$10,000 |
11.24 |
Learn More
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Jjjohnston7 | 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 |
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0.95% |
$10,000 |
14.53 |
Learn More
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0.80% |
$10,000 |
22.06 |
Learn More
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0.80% |
$10,000 |
23.68 |
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0.80% |
$10,000 |
18.97 |
Learn More
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.75% |
$10,000 |
22.41 |
Learn More
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0.75% |
$500 |
23.53 |
Learn More
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0.70% |
$10,000 |
21.78 |
Learn More
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0.65% |
$250 |
24.09 |
Learn More
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0.65% |
$500 |
18.32 |
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0.60% |
$10,000 |
19.53 |
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0.56% |
$10,000 |
20.17 |
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0.55% |
$10,000 |
9.87 |
Learn More
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ksucat | 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 |
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0.53% |
$10,000 |
13.30 |
Learn More
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0.50% |
$1,000 |
- |
Learn More
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RTN1949 | 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 |
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0.50% |
$10,000 |
13.86 |
Learn More
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0.50% |
$1 |
16.90 |
Learn More
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0.40% 0.25% |
$1,000 $500 |
21.74 |
Learn More
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Ugg | 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 |
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0.35% |
$10,000 |
14.12 |
Learn More
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.30% |
$50,000 |
19.28 |
Learn More
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0.30% |
$10,000 |
21.30 |
Learn More
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0.25% |
$1,000 |
12.89 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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UtahJazz1 | 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 |
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0.20% |
$1,000 |
- |
Learn More
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$10,000 |
19.28 |
Learn More
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0.15% |
$500 |
15.40 |
Learn More
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MrBond | 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 |
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0.12% |
$500 |
10.05 |
Learn More
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0.03% |
$100,000 |
19.74 |
Learn More
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Treasure | 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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.
Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.
The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.
While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.
On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.
Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.
Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.
With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates