You are viewing rates across Kansas


Kansas CD Rates

Below are the best one year CD Rates from banks in Kansas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

KS - February 12, 2016

1 Year CD National Average : 0.37% ?

Bank APY MIN MILES ?
Ks Statebank 1.15% $100,000 - Learn MoreShow Less
Beal Bank Usa 1.01% $1,000 - Learn MoreShow Less
Crossfirst Bank 1.00% $1,000 - Learn MoreShow Less
Ks Statebank 0.96% $500 - Learn MoreShow Less
Liberty Bank And Trust Company 0.87% $100,000 - Learn MoreShow Less
The First National Bank Of Hope 0.85% $50,000 - Learn MoreShow Less
Legacy Bank 0.80% $1,000 - Learn MoreShow Less
The Western State Bank 0.80% $50,000 - Learn MoreShow Less
Exchange Bank 0.80% $2,500 - Learn MoreShow Less
New Century Bank 0.80% $5,000 - Learn MoreShow Less
Bank Vi 0.80% $500 - Learn MoreShow Less
Liberty Bank And Trust Company 0.76% $1 - Learn MoreShow Less
The First State Bank Of Healy 0.76% $90,000 - Learn MoreShow Less
The First National Bank Of Hope 0.75% $10,000 - Learn MoreShow Less
Alterra Bank 0.75% $1,000 - Learn MoreShow Less
Armed Forces Bank, National Association 0.75% $500 - Learn MoreShow Less
Leonardville State Bank 0.75% $500 - Learn MoreShow Less
The Farmers State Bank Of Westmoreland 0.75% $1,000 - Learn MoreShow Less
Academy Bank, National Association 0.75% $500 - Learn MoreShow Less
The Citizens State Bank 0.74% $100,000 - Learn MoreShow Less
The State Bank Of Bern 0.70% $1,000 - Learn MoreShow Less
Community National Bank 0.70% $50,000 - Learn MoreShow Less
The Community Bank 0.70% $100,000 - Learn MoreShow Less
The Citizens State Bank Of Cheney, Kansas 0.70% $500 - Learn MoreShow Less
The Union State Bank 0.70% $100,000 - Learn MoreShow Less
The Fowler State Bank 0.70% $100,000 - Learn MoreShow Less
First National Bank Of Elkhart 0.70% $100,000 - Learn MoreShow Less
The First State Bank Of Healy 0.66% $1,000 - Learn MoreShow Less
First Federal Savings And Loan Bank 0.65% $1,000 - Learn MoreShow Less
Grant County Bank 0.65% $100,000 - Learn MoreShow Less
Bank Of Greeley 0.65% $500 - Learn MoreShow Less
The Farmers State Bank Of Bucklin, Kansas 0.65% $100 - Learn MoreShow Less
Mid-america Bank 0.65% $500 - Learn MoreShow Less
First National Bank Of Elkhart 0.65% $500 - Learn MoreShow Less
The Stock Exchange Bank, Caldwell, Kansas 0.65% $500 - Learn MoreShow Less
Impact Bank 0.65% $1,000 - Learn MoreShow Less
The First National Bank Of Spearville 0.65% $100,000 - Learn MoreShow Less
The First National Bank Of Scott City 0.65% $20,000 - Learn MoreShow Less
Garden Plain State Bank 0.62% $1,000 - Learn MoreShow Less
Bank Of Commerce And Trust Company 0.60% $50,000 - Learn MoreShow Less
The Kearny County Bank 0.60% $50,000 - Learn MoreShow Less
The Riley State Bank Of Riley, Kansas 0.60% $500 - Learn MoreShow Less
Bank 7 0.60% $1,000 - Learn MoreShow Less
Towanda State Bank 0.60% $500 - Learn MoreShow Less
The Plains State Bank 0.60% $100,000 - Learn MoreShow Less
The Bennington State Bank 0.60% $1,000 - Learn MoreShow Less
Centera Bank 0.60% $100,000 - Learn MoreShow Less
Farmers National Bank 0.60% $500 - Learn MoreShow Less
The Valley State Bank 0.60% $500 - Learn MoreShow Less
The Stockgrowers State Bank Of Ashland, Kansas 0.60% $100,000 - Learn MoreShow Less
The Community Bank 0.60% $10,000 - Learn MoreShow Less
National Bank Of Kansas City 0.60% $5,000 - Learn MoreShow Less
State Bank Of Downs 0.60% $500 - Learn MoreShow Less
Emerald Bank 0.60% $1,000 - Learn MoreShow Less
Grant County Bank 0.60% $1 - Learn MoreShow Less
Colorado East Bank & Trust 0.60% $1,000 - Learn MoreShow Less
The Farmers Bank Of Osborne 0.60% $500 - Learn MoreShow Less
Union State Bank 0.60% $1,000 - Learn MoreShow Less
Kaw Valley Bank 0.59% $100,000 - Learn MoreShow Less
The Haviland State Bank 0.55% $500 - Learn MoreShow Less
The Bendena State Bank 0.55% $500 - Learn MoreShow Less
The First National Bank Of Scott City 0.55% $250 - Learn MoreShow Less
Bank Of Commerce And Trust Company 0.55% $1,000 - Learn MoreShow Less
Peoples State Bank 0.55% $10,000 - Learn MoreShow Less
The Bank Of Protection 0.55% $500 - Learn MoreShow Less
The Farmers State Bank Of Oakley, Kansas 0.55% $50,000 - Learn MoreShow Less
Esb Financial 0.55% $500 - Learn MoreShow Less
The Fowler State Bank 0.55% $500 - Learn MoreShow Less
Mutual Savings Association, Fsa 0.55% $2,000 - Learn MoreShow Less
Adams Bank & Trust 0.55% $10,000 - Learn MoreShow Less
The First National Bank Of Harveyville 0.55% $500 - Learn MoreShow Less
Bank Of Denton 0.55% $1 - Learn MoreShow Less
The First State Bank, Kiowa, Kansas 0.55% $500 - Learn MoreShow Less
Kaw Valley Bank 0.54% $500 - Learn MoreShow Less
Heritage Bank 0.51% $1,000 - Learn MoreShow Less
Farmers & Merchants Bank Of Colby 0.50% $1,000 - Learn MoreShow Less
Central National Bank 0.50% $5,000 - Learn MoreShow Less
Capitol Federal Savings Bank 0.50% $1,000 - Learn MoreShow Less
The State Exchange Bank 0.50% $500 - Learn MoreShow Less
First Heritage Bank 0.50% $75,000 - Learn MoreShow Less
Centera Bank 0.50% $500 - Learn MoreShow Less
Rose Hill Bank 0.50% $1,000 - Learn MoreShow Less
Farmers And Merchants Bank Of Mound City, Kansas 0.50% $1,000 - Learn MoreShow Less
The Farmers State Bank Of Oakley, Kansas 0.50% $10,000 - Learn MoreShow Less
The First National Bank Of Spearville 0.50% $1,000 - Learn MoreShow Less
Andover State Bank 0.50% $1,000 - Learn MoreShow Less
Millennium Bank 0.50% $500 - Learn MoreShow Less
The Kearny County Bank 0.50% $10,000 - Learn MoreShow Less
The Stockgrowers State Bank Of Ashland, Kansas 0.50% $500 - Learn MoreShow Less
The First National Bank Of Girard 0.50% $100,000 - Learn MoreShow Less
The Howard State Bank, Howard, Kansas 0.50% $5,000 - Learn MoreShow Less
The Farmers And Merchants State Bank Of Argonia 0.50% $100,000 - Learn MoreShow Less
Flint Hills Bank 0.50% $10,000 - Learn MoreShow Less
The Citizens State Bank 0.50% $50,000 - Learn MoreShow Less
Community National Bank 0.50% $5,000 - Learn MoreShow Less
First National Bank And Trust 0.50% $500 - Learn MoreShow Less
Sjn Bank Of Kansas 0.50% $50 - Learn MoreShow Less
The Union State Bank 0.50% $1,000 - Learn MoreShow Less
Community National Bank & Trust 0.50% $1,000 - Learn MoreShow Less
Farmers State Bank 0.50% $500 - Learn MoreShow Less
Banccentral, National Association 0.50% $100,000 - Learn MoreShow Less
Great American Bank 0.50% $1,000 - Learn MoreShow Less
Merit Bank 0.50% $500 - Learn MoreShow Less
The Citizens State Bank 0.49% $500 - Learn MoreShow Less
Prairie Bank Of Kansas 0.48% $100,000 - Learn MoreShow Less
The Farmers State Bank 0.47% $50,000 - Learn MoreShow Less
The Alta Vista State Bank 0.46% $10,000 - Learn MoreShow Less
The Lyndon State Bank 0.45% $1,000 - Learn MoreShow Less
The Baldwin State Bank 0.45% $5,000 - Learn MoreShow Less
Enterprise Bank & Trust 0.45% $1,000 - Learn MoreShow Less
Johnson State Bank 0.45% $25,000 - Learn MoreShow Less
Community National Bank & Trust 0.45% $1,000 - Learn MoreShow Less
The First State Bank 0.45% $1,000 - Learn MoreShow Less
First National Bank In Frankfort 0.45% $500 - Learn MoreShow Less
The First National Bank In Cimarron 0.45% $10,000 - Learn MoreShow Less
The Denison State Bank 0.45% $500 - Learn MoreShow Less
Industrial State Bank 0.45% $500 - Learn MoreShow Less
The Stockton National Bank 0.45% $1,000 - Learn MoreShow Less
Security Bank Of Kansas City 0.45% $500 - Learn MoreShow Less
The First National Bank Of Girard 0.45% $500 - Learn MoreShow Less
Union State Bank 0.45% $500 - Learn MoreShow Less
The Security State Bank 0.45% $10,000 - Learn MoreShow Less
The First National Bank Of Syracuse 0.45% $50,000 - Learn MoreShow Less
The Stockgrowers State Bank 0.45% $1,000 - Learn MoreShow Less
Rcb Bank 0.45% $1,000 - Learn MoreShow Less
The Plains State Bank 0.45% $1,000 - Learn MoreShow Less
Argentine Federal Savings 0.45% $1,000 - Learn MoreShow Less
The Girard National Bank 0.41% $500 - Learn MoreShow Less
Esb Financial 0.40% $500 - Learn MoreShow Less
The Bank Of Whitewater 0.40% $500 - Learn MoreShow Less
Farmers & Drovers Bank 0.40% $500 - Learn MoreShow Less
The State Bank Of Blue Rapids 0.40% $1,000 - Learn MoreShow Less
First Neodesha Bank 0.40% $1,000 - Learn MoreShow Less
Freedom Bank 0.40% $1,000 - Learn MoreShow Less
Southwind Bank 0.40% $100 - Learn MoreShow Less
American State Bank & Trust Company 0.40% $1,000 - Learn MoreShow Less
The Union State Bank Of Everest 0.40% $1,000 - Learn MoreShow Less
Citizens State Bank 0.40% $500 - Learn MoreShow Less
Banccentral, National Association 0.40% $500 - Learn MoreShow Less
Swedish-american State Bank 0.40% $500 - Learn MoreShow Less
The Exchange State Bank Of St. Paul, Kansas 0.40% $1,000 - Learn MoreShow Less
Johnson State Bank 0.40% $1,000 - Learn MoreShow Less
Central National Bank 0.40% $50,000 - Learn MoreShow Less
The Citizens State Bank 0.40% $1,000 - Learn MoreShow Less
Arvest Bank 0.40% $95,000 - Learn MoreShow Less
Kaw Valley State Bank 0.40% $500 - Learn MoreShow Less
Community Bank Of Wichita, Inc. 0.40% $500 - Learn MoreShow Less
Prescott State Bank 0.40% $1,000 - Learn MoreShow Less
The Farmers State Bank 0.40% $500 - Learn MoreShow Less
The Bank Of Tescott 0.40% $10,000 - Learn MoreShow Less
Southwest National Bank 0.40% $500 - Learn MoreShow Less
The First State Bank Of Ransom 0.40% $2,500 - Learn MoreShow Less
Union State Bank 0.40% $500 - Learn MoreShow Less
The Western State Bank 0.40% $5,000 - Learn MoreShow Less
Marquette Farmers State Bank Of Marquette 0.40% $1,000 - Learn MoreShow Less
The State Bank Of Kansas 0.40% $1 - Learn MoreShow Less
Community National Bank & Trust 0.40% $1,000 - Learn MoreShow Less
The City State Bank 0.40% $500 - Learn MoreShow Less
The Lyon County State Bank 0.40% $500 - Learn MoreShow Less
The Olpe State Bank 0.40% $500 - Learn MoreShow Less
The First National Bank Of Sedan 0.40% $1,000 - Learn MoreShow Less
Alliance Bank 0.40% $500 - Learn MoreShow Less
First Bank Of Newton 0.40% $500 - Learn MoreShow Less
Farmers Bank & Trust 0.40% $1,000 - Learn MoreShow Less
Elk State Bank 0.40% $10,000 - Learn MoreShow Less
Vintage Bank Kansas 0.40% $75,000 - Learn MoreShow Less
Labette Bank 0.40% $10,000 - Learn MoreShow Less
The Farmers State Bank 0.40% $500 - Learn MoreShow Less
Kanza Bank 0.40% $1,000 - Learn MoreShow Less
First Heritage Bank 0.40% $2,500 - Learn MoreShow Less
Lyons Federal Bank 0.40% $15,000 - Learn MoreShow Less
The Citizens State Bank 0.40% $1,000 - Learn MoreShow Less
The Citizens State Bank And Trust Company 0.40% $1,000 - Learn MoreShow Less
Kansasland Bank 0.40% $500 - Learn MoreShow Less
The Jamestown State Bank 0.40% $500 - Learn MoreShow Less
Citizens State Bank 0.40% $1,000 - Learn MoreShow Less
First Bank Kansas 0.40% $10,000 - Learn MoreShow Less
Fidelity Bank 0.37% $500 - Learn MoreShow Less
The Farmers State Bank 0.37% $10,000 - Learn MoreShow Less
First National Bank Of Omaha 0.36% $500 - Learn MoreShow Less
Bank Of The Prairie 0.36% $500 - Learn MoreShow Less
Carson Bank 0.35% $50,000 - Learn MoreShow Less
Midwest Community Bank 0.35% $1,000 - Learn MoreShow Less
Community Bank Of The Midwest 0.35% $1,000 - Learn MoreShow Less
Commerce Bank 0.35% $10,000 - Learn MoreShow Less
Bank Of Hays 0.35% $1,000 - Learn MoreShow Less
Bank Of Commerce 0.35% $1,000 - Learn MoreShow Less
Great Southern Bank 0.35% $250 - Learn MoreShow Less
The Peoples State Bank 0.35% $1,000 - Learn MoreShow Less
Ford County State Bank 0.35% $500 - Learn MoreShow Less
The Trego-wakeeney State Bank 0.35% $500 - Learn MoreShow Less
The State Bank Of Canton, Canton, Kansas 0.35% $500 - Learn MoreShow Less
United Bank & Trust 0.35% $500 - Learn MoreShow Less
Conway Bank, National Association 0.35% $1,000 - Learn MoreShow Less
The Walton State Bank 0.35% $1,000 - Learn MoreShow Less
Almena State Bank 0.35% $500 - Learn MoreShow Less
The University National Bank Of Lawrence 0.35% $500 - Learn MoreShow Less
Prairie Bank Of Kansas 0.35% $1,000 - Learn MoreShow Less
Community National Bank & Trust 0.35% $1,000 - Learn MoreShow Less
Gardner Bank 0.35% $250 - Learn MoreShow Less
Lyons Federal Bank 0.35% $5,000 - Learn MoreShow Less
Community First Bank 0.35% $100,000 - Learn MoreShow Less
The St. Marys State Bank 0.35% $500 - Learn MoreShow Less
The Wilson State Bank 0.35% $100 - Learn MoreShow Less
Citizens Savings And Loan Association, Fsb 0.35% $5,000 - Learn MoreShow Less
The First National Bank Of Syracuse 0.35% $500 - Learn MoreShow Less
Roxbury Bank 0.35% $10,000 - Learn MoreShow Less
Citizens State Bank And Trust Company 0.35% $1,000 - Learn MoreShow Less
Central National Bank 0.35% $10,000 - Learn MoreShow Less
Exchange Bank 0.35% $2,500 - Learn MoreShow Less
Farmers And Drovers Bank 0.35% $500 - Learn MoreShow Less
Cornerstone Bank 0.33% $1,000 - Learn MoreShow Less
Central Bank And Trust Co. 0.31% $100,000 - Learn MoreShow Less
Carson Bank 0.30% $500 - Learn MoreShow Less
Peoples Bank And Trust Company 0.30% $1,000 - Learn MoreShow Less
Citizens State Bank And Trust Co., Ellsworth, Kansas 0.30% $500 - Learn MoreShow Less
The Tampa State Bank 0.30% $100,000 - Learn MoreShow Less
The Valley State Bank 0.30% $500 - Learn MoreShow Less
Intrust Bank, National Association 0.30% $500 - Learn MoreShow Less
Exchange National Bank & Trust Co. 0.30% $1,000 - Learn MoreShow Less
Capital City Bank 0.30% $500 - Learn MoreShow Less
The First National Bank Of Dighton 0.30% $2,500 - Learn MoreShow Less
The Farmers State Bank Of Blue Mound 0.30% $1,000 - Learn MoreShow Less
Goppert State Service Bank 0.30% $1,000 - Learn MoreShow Less
Bank Snb 0.30% $1,000 - Learn MoreShow Less
Umb Bank, National Association 0.30% $500 - Learn MoreShow Less
Bank Of Labor 0.30% $1,000 - Learn MoreShow Less
Visionbank 0.30% $500 - Learn MoreShow Less
Bank Of Palmer 0.30% $500 - Learn MoreShow Less
Community First Bank 0.30% $3,000 - Learn MoreShow Less
Chisholm Trail State Bank 0.30% $1,000 - Learn MoreShow Less
Arvest Bank 0.30% $10,000 - Learn MoreShow Less
First National Bank Of Kansas 0.30% $500 - Learn MoreShow Less
Nbh Bank, National Association 0.30% $500 - Learn MoreShow Less
The Kansas State Bank 0.30% $500 - Learn MoreShow Less
The Alden State Bank 0.30% $500 - Learn MoreShow Less
Golden Belt Bank, Fsa 0.30% $1,000 - Learn MoreShow Less
Valley View State Bank 0.30% $500 - Learn MoreShow Less
Citizens Bank Of Kansas 0.30% $500 - Learn MoreShow Less
American Bank Of Baxter Springs 0.30% $1,000 - Learn MoreShow Less
The First Security Bank 0.30% $1,000 - Learn MoreShow Less
Patriots Bank 0.30% $500 - Learn MoreShow Less
Fidelity Bank 0.30% $1,000 - Learn MoreShow Less
The Halstead Bank 0.30% $100,000 - Learn MoreShow Less
The Citizens State Bank 0.30% $1,000 - Learn MoreShow Less
First Bank 0.30% $500 - Learn MoreShow Less
Union Bank And Trust Company 0.30% $25,000 - Learn MoreShow Less
The City National Bank And Trust Company Of Lawton, Oklahoma 0.30% $500 - Learn MoreShow Less
Citizens Bank And Trust Company 0.30% $500 - Learn MoreShow Less
Simmons First National Bank 0.30% $1,000 - Learn MoreShow Less
First State Bank And Trust 0.30% $500 - Learn MoreShow Less
The Morrill And Janes Bank And Trust Company 0.29% $1,000 - Learn MoreShow Less
The Citizens National Bank 0.28% $5,000 - Learn MoreShow Less
The Citizens National Bank 0.27% $5,000 - Learn MoreShow Less
Central Bank And Trust Co. 0.26% $1,000 - Learn MoreShow Less
Bank Of Blue Valley 0.25% $500 - Learn MoreShow Less
First Option Bank 0.25% $1,000 - Learn MoreShow Less
Home Bank And Trust Company 0.25% $1,000 - Learn MoreShow Less
Security State Bank 0.25% $100 - Learn MoreShow Less
The Baxter State Bank 0.25% $1,000 - Learn MoreShow Less
Silver Lake Bank 0.25% $500 - Learn MoreShow Less
Commerce Bank 0.25% $10,000 - Learn MoreShow Less
Peoples Exchange Bank 0.25% $10,000 - Learn MoreShow Less
The State Bank Of Spring Hill 0.25% $500 - Learn MoreShow Less
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 - Learn MoreShow Less
Country Club Bank 0.25% $50,000 - Learn MoreShow Less
Central Bank Of The Midwest 0.25% $1,000 - Learn MoreShow Less
The Citizens National Bank 0.25% $5,000 - Learn MoreShow Less
The Farmers State Bank 0.25% $1,000 - Learn MoreShow Less
The Farmers And Merchants State Bank Of Argonia 0.25% $10,000 - Learn MoreShow Less
The Midland National Bank Of Newton 0.25% $500 - Learn MoreShow Less
Great Western Bank 0.25% $25,000 - Learn MoreShow Less
Vintage Bank Kansas 0.25% $500 - Learn MoreShow Less
Cornerbank 0.25% $100 - Learn MoreShow Less
Umb Bank, National Association 0.25% $500 - Learn MoreShow Less
Firstoak Bank 0.25% $1,000 - Learn MoreShow Less
Community National Bank & Trust 0.25% $1,000 - Learn MoreShow Less
Bokf, National Association 0.25% $100,001 - Learn MoreShow Less
Pony Express Community Bank 0.24% $100,000 - Learn MoreShow Less
The First National Bank Of Hutchinson 0.22% $25,000 - Learn MoreShow Less
Country Club Bank 0.20% $10,000 - Learn MoreShow Less
The Peabody State Bank 0.20% $1 - Learn MoreShow Less
Bank Of The West 0.20% $10,000 - Learn MoreShow Less
Landmark National Bank 0.20% $500 - Learn MoreShow Less
The Farmers State Bank 0.20% $1,000 - Learn MoreShow Less
Pony Express Community Bank 0.20% $5,000 - Learn MoreShow Less
Commerce Bank 0.20% $10,000 - Learn MoreShow Less
The Lyons State Bank 0.20% $500 - Learn MoreShow Less
The First National Bank Of Washington 0.20% $10,000 - Learn MoreShow Less
The Gorham State Bank 0.20% $10,000 - Learn MoreShow Less
The First National Bank Of Louisburg 0.20% $500 - Learn MoreShow Less
The Halstead Bank 0.20% $1,000 - Learn MoreShow Less
Hillsboro State Bank 0.20% $1,000 - Learn MoreShow Less
Bokf, National Association 0.20% $1,000 - Learn MoreShow Less
Union Bank And Trust Company 0.20% $1,000 - Learn MoreShow Less
Anb Bank 0.20% $10,000 - Learn MoreShow Less
Bmo Harris Bank National Association 0.20% $100,000 - Learn MoreShow Less
Community National Bank & Trust 0.19% $1,000 - Learn MoreShow Less
Farmers Bank & Trust 0.18% $100,000 - Learn MoreShow Less
New Century Bank 0.17% $5,000 - Learn MoreShow Less
The Nekoma State Bank 0.17% $500 - Learn MoreShow Less
Community Bank 0.15% $1,000 - Learn MoreShow Less
Great Western Bank 0.15% $10,000 - Learn MoreShow Less
Astra Bank 0.15% $500 - Learn MoreShow Less
Emprise Bank 0.15% $1,000 - Learn MoreShow Less
Corefirst Bank & Trust 0.15% $1,000 - Learn MoreShow Less
Bmo Harris Bank National Association 0.15% $5,000 - Learn MoreShow Less
Cottonwood Valley Bank 0.15% $1,000 - Learn MoreShow Less
Sunflower Bank, National Association 0.13% $10,000 - Learn MoreShow Less
Farmers Bank & Trust 0.12% $10,000 - Learn MoreShow Less
The First National Bank Of Hutchinson 0.12% $1,000 - Learn MoreShow Less
Fidelity State Bank And Trust Company 0.11% $500 - Learn MoreShow Less
The Tampa State Bank 0.10% $500 - Learn MoreShow Less
Equity Bank 0.10% $1,000 - Learn MoreShow Less
U.s. Bank National Association 0.10% $10,000 - Learn MoreShow Less
First National Bank 0.10% $100,000 - Learn MoreShow Less
Bankwest Of Kansas 0.10% $1 - Learn MoreShow Less
Verus Bank 0.10% $1,000 - Learn MoreShow Less
Bank Of America, National Association 0.07% $10,000 - Learn MoreShow Less
Peoples Bank 0.06% $1,000 - Learn MoreShow Less
Wells Fargo Bank, National Association 0.05% $10,000 - Learn MoreShow Less
Bank Of America, National Association 0.05% $10,000 - Learn MoreShow Less
First National Bank 0.02% $10,000 - Learn MoreShow Less

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

  • Stephen C

    August 06, 2015

    It would be nice if you would include an option for all terms e.g., up to 10 years. Also it would help if you could select all banks and credit unions. It has been my experience that some bank and CU's will change their policy of being regional to national.

  • David H. 7/10/15

    July 10, 2015

    Union Savings Bank doesn't have a one year cd for 1.15%

  • Alan Platt

    November 24, 2014

    So stupid that you cannot vote "yes". The only thing that registers is "no".

  • Darren

    September 16, 2014

    Union County Savings Bank in Cranford is offering a 1.3% Jumbo CD Rate for 1 year.

  • Alan Platt

    August 25, 2014

    Why did you stop listing information about DORAL BANK?

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Certificates of Deposit - Branch Banks

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

Advantages and Disadvantages

The advantages of a Certificate of Deposit from a branch bank are:

 · 

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.

 · 

CDs provide a predictable, set rate of return.

 · 

Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

 · 

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.

 · 

One year CDs from branch banks often pay less interest than from online banks.

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, you 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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