Kansas

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Shawnee, Kansas CD Rates

You are viewing rates from banks across Shawnee

 

Below are the best one-year CD Rates from banks in Shawnee, 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.

Shawnee, KS - July 3, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 5.00% → 4.75%

Rate History: 5.10% → 4.80% → 4.30%

Rate History: 4.60% → 4.10% → 4.30% → 4.25% → 4.20%

| Apr 19, 2023

This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More

Rate History: 1.01% → 2.02% → 4.08%

Rate History: 5.00% → 5.15% → 5.10% → 4.80% → 4.00%

| Jun 21, 2022

The new rates have eclipsed shat i currently hold with this bank. Read More

Rate History: 5.25% → 5.00% → 4.00%

Rate History: 4.60% → 4.25% → 4.05% → 3.80% → 3.55%

| Oct 13, 2020

Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More

Rate History: 5.35% → 4.80% → 5.10% → 4.25% → 3.50%

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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: 2.00% → 1.50% → 3.25% → 2.00%

| 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

Rate History: 2.00% → 4.65% → 2.00% → 1.50% → 1.25%

| 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

1.01%

$100,000

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1.01%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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0.96%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$100,000

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0.90%

$10,000

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0.87%

$10,000

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| Mar 24, 2022

I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More

0.85%

$100,000

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0.85%

$10,000

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0.81%

$10,000

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0.80%

$10,000

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0.80%

$100,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$500

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$1,000

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0.75%

$100,000

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0.75%

$500

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$100,000

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0.75%

$10,000

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| Aug 3, 2023

They don’t give out loans and They don’t understand customer needs. Read More

0.75%

$100,000

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0.75%

$10,000

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0.75%

$500

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| Nov 7, 2018

now pays 1.46% Read More

0.75%

$10,000

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0.75%

$10,000

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| Nov 20, 2021

Excellent The way banking should be. Read More

0.75%

$10,000

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0.75%

$10,000

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Rate History: 3.29% → 0.70%

| 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

0.70%

$50

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0.70%

$10,000

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| Feb 9, 2019

Can I order new checks online? Read More

0.70%

$10,000

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0.70%

$10,000

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0.70%

$500

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0.69%

$100,000

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0.65%

$500

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$1,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$1,000

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0.65%

$100,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$3,000

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0.60%

$1,000

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0.60%

$50,000

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0.60%

$10,000

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0.60%

$1,000

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| Feb 9, 2019

Can I order new checks online? Read More

0.60%

$1,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

-

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.60%

$1,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.59%

$10,000

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0.59%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$50,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.53%

$10,000

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0.50%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$500

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0.50%

$10,000

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0.50%

$1,000

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0.50%

$50,000

-

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0.50%

$10,000

-

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$1

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.45%

$10,000

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0.45%

$2,500

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0.45%

$5,000

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0.45%

$50,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$1,000

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0.45%

$100,000

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0.45%

$10,000

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0.45%

$50,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$1,000

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0.40%

$500

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0.40%

$500

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0.40%

$10,000

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0.40%

$500

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0.40%

$500

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$250

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0.40%

$10,000

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0.40%

$500

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.39%

$100,000

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0.35%

$10,000

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0.35%

$1,000

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0.35%

$50,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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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

0.34%

$1

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0.31%

$10,000

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| Jun 9, 2019

They don't have this rate anymore. 5 year rate is only 3.11 Read More

0.30%

$10,000

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0.30%

$1,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.30%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$250

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| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

| 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

0.30%

$10,000

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0.26%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.23%

$5,000

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0.22%

$10,000

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0.20%

$50,000

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0.20%

$100,000

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0.20%

$500

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0.20%

$1,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$500

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| May 29, 2020

Dua Read More

0.15%

$10,000

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0.15%

$1,000

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0.15%

$10,000

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0.15%

$10,000

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0.10%

$10,000

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0.06%

$500

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0.05%

$10,000

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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

| 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 zip 10007


Branch Street City State
First Bank
Coronado Branch
201 East Avenue South Lyons KS
Fidelity Bank, National Association
Fidelity Bank Branch
100 East English Street Wichita KS
Arvest Bank
Caney Valley National Bank Branch
301 West Fourth Avenue Caney KS
Arvest Bank
Caney Valley National Bank Branch
301 West Fourth Avenue Caney KS
KS StateBank
Ks Statebank Branch
1010 Westloop Pl Manhattan KS
Argentine Federal Savings
Argentine Federal Savings Branch
3004 Strong Ave Kansas City KS
Capitol Federal Savings Bank
Capitol Federal Savings Bank Branch
700 S Kansas Ave Topeka KS
Emprise Bank
Council Grove Branch
20 South Mission Council Grove KS
RCB Bank
Rcb Bank Branch
126 South Summit Arkansas City KS
Intrust Bank, National Association
Intrust Bank, National Association Branch
105 North Main Street Wichita KS
Bank of America, National Association
Lenexa Branch
12345 West 95th Street Lenexa KS
Centera Bank
Minneola Branch
113 Main Street Minneola KS
Centera Bank
Minneola Branch
113 Main Street Minneola KS
First Federal Bank of Kansas City
Minnesota Ave Br Branch
711 Minnesota Avenue Kansas City KS
Wells Fargo Bank, National Association
Shawnee Branch
11809 Shawnee Mission Parkway Shawnee KS
BMO Bank National Association
Pittsburg Branch
417 North Broadway Street Pittsburg KS
Integrity Bank
The Fowler State Bank Branch
401 Main Street Fowler KS
The Baldwin State Bank
The Baldwin State Bank Branch
721 High Street Baldwin City KS
The State Bank of Bern
The State Bank Of Bern Branch
402 Main St Bern KS
The Bendena State Bank
The Bendena State Bank Branch
933 Friendship Road Bendena KS
The First State Bank of Healy
The First State Bank Of Healy Branch
Jayhawk Plaza On K-4 Healy KS
Ford County State Bank
Ford County State Bank Branch
322 N Main St Spearville KS
The Farmers State Bank of Bucklin, Kansas
The Farmers State Bank Of Bucklin, Kansas Branch
111 N Main St Bucklin KS
The Haviland State Bank
The Haviland State Bank Branch
209 North Main Street Haviland KS
Impact Bank
Impact Bank Branch
206 East Harvey Avenue Wellington KS
Elevate Bank, National Association
The First National Bank Of Sedan Branch
101 West Main Street Sedan KS
Mid-America Bank
Mid-America Bank Branch
802 Ames Street Baldwin City KS
The Stock Exchange Bank, Caldwell, Kansas
The Stock Exchange Bank, Caldwell, Kansas Branch
103 South Main Street Caldwell KS
First Commerce Bank
Blue Rapids Branch
21 Public Square Blue Rapids KS
Integrity Bank
The Fowler State Bank Branch
401 Main Street Fowler KS
New Century Bank
New Century Bank Branch
1211 28th Street Belleville KS
The First State Bank of Healy
The First State Bank Of Healy Branch
Jayhawk Plaza On K-4 Healy KS
Flint Hills Bank
Burlingame Branch
115 South Topeka Avenue Burlingame KS
Kaw Valley State Bank
Kaw Valley State Bank Branch
737 Main Street Eudora KS
Garden Plain State Bank
Garden Plain State Bank Branch
10526 West Maple Street Wichita KS
Bank 7
Montezuma Branch
209 North Aztec Street Montezuma KS
Farmers Bank & Trust
Farmers Bank & Trust Branch
101 South 4th Street Atwood KS
The Security State Bank
The Security State Bank Branch
101 North Washington Avenue Wellington KS
Heritage Bank
Heritage Bank Branch
3024 Southwest Wanamaker Road Topeka KS
The Citizens State Bank of Cheney, Kansas
The Citizens State Bank Of Cheney, Kansas Branch
306 North Main Street Cheney KS
Community National Bank
Community National Bank Branch
210 Main Street Seneca KS
Bank of Denton
Bank Of Denton Branch
510 Main Street Denton KS
Flint Hills Bank
Burlingame Branch
115 South Topeka Avenue Burlingame KS
Patriots Bank
East Central Branch
114 East Central Avenue Richmond KS
Marquette Farmers State Bank of Marquette
Marquette Farmers State Bank Of Marq Branch
205 North Washington Marquette KS
Halstead Bank
The Halstead Bank At Bentley Branch
101 North Wichita Bentley KS
Union State Bank
Union State Bank Branch
204 Sherman St Uniontown KS
Farmers Bank & Trust
Farmers Bank & Trust Branch
101 South 4th Street Atwood KS
First National Bank of Kansas
First National Bank Of Kansas Branch
600 North Fourth Street Burlington KS
Stryv Bank
Chisholm Trail State Bank Branch
6160 North Broadway Wichita KS
NINNESCAH VALLEY BANK
The First National Bank Of Cunningha Branch
101 East First Street Cunningham KS
Farmers and Merchants Bank
Cawker City Branch
719 Wisconsin St Cawker City KS
Swedish-American State Bank
Swedish-American State Bank Branch
324 Liberty Street Courtland KS
The Farmers State Bank of Westmoreland
The Farmers State Bank Of Westmorela Branch
307 Main Street Westmoreland KS
ESB Financial
Esb Financial Branch
8th And Merchant Streets Emporia KS
The First National Bank in Cimarron
The First National Bank In Cimarron Branch
121 North Main Cimarron KS
First FarmBank
Tribune Branch
522 Broadway Avenue Tribune KS
The Bank of Protection
Coldwater Branch
145 East Main Street Coldwater KS
Peoples Bank
Peoples Bank Branch
101 East Main Street Coldwater KS
Prairie Bank of Kansas
Prairie Bank Of Kansas Branch
200 South Main Street Stafford KS
The Farmers State Bank
The Farmers State Bank Branch
624 Main Street Dwight KS
CrossFirst Bank
Crossfirst Bank Branch
4707 West 135th St Leawood KS
The State Bank of Canton, Canton, Kansas
The State Bank Of Canton, Canton, Kansas Branch
103 South Main Street Canton KS
Legacy Bank
Sedgwick Branch
514 N Commercial Avenue Sedgwick KS
The Walton State Bank
The Walton State Bank Branch
116 Main St Walton KS
Southwest National Bank
Southwest National Bank Branch
400 East Douglas Avenue Wichita KS
The Howard State Bank, Howard, Kansas
The Howard State Bank, Howard, Kansas Branch
100 South Wabash Street Howard KS
Security Bank of Kansas City
Wea St Branch
3 E Wea Street Paola KS
SJN Bank of Kansas
Sjn Bank Of Kansas Branch
116 E 3rd Avenue Saint John KS
Peoples Bank
Peoples Bank Branch
101 East Main Street Coldwater KS
Country Club Bank
Leavenworth-Delaware Branch
401 Delaware Street Leavenworth KS
Mutual Savings Association
Mutual Savings Association, Fsa Branch
100 South 4th St Leavenworth KS
ESB Financial
Esb Financial Branch
8th And Merchant Streets Emporia KS
The Lyon County State Bank
The Lyon County State Bank Branch
902 Merchant Street Emporia KS
The Citizens State Bank
The Citizens State Bank Branch
601 S. Main Street Hugoton KS
Citizens Bank
Citizens Bank A Branch Of Security B
2205 S. Main St Fort Scott KS
The Fidelity State Bank and Trust Company
The Fidelity State Bank And Trust Co Branch
510 North Second Avenue Dodge City KS
The First National Bank of Spearville
The First National Bank Of Spearvill Branch
401 North Main St Spearville KS
The Citizens State Bank
Home State Mcpherson Branch
223 North Main Street Mcpherson KS
NINNESCAH VALLEY BANK
The First National Bank Of Cunningha Branch
101 East First Street Cunningham KS
Lyons Federal Bank
Lyons Federal Bank Branch
200 East Ave South Lyons KS
The Stockgrowers State Bank of Ashland, Kansas
Meade Branch
203 North Fowler Meade KS
Security State Bank
Security State Bank Branch
506 Main Street Scott City KS
Johnson State Bank
Johnson State Bank Branch
106 North Main Street Johnson KS
Exchange Bank
Exchange Bank Branch
702 North Washington Street Junction City KS
Kaw Valley Bank
Kaw Valley Bank Branch
1110 North Kansas Avenue Topeka KS
Bank of Greeley
Bank Of Greeley Branch
118 W Brown St Greeley KS
Bank of Hays
Jetmore Farmers' State Branch
601 Main St Jetmore KS
The Western State Bank
Leoti Branch
Second And Broadway Leoti KS
Farmers and Drovers Bank
Farmers And Drovers Bank Branch
201 West Main Street Council Grove KS
The Union State Bank of Everest
Mclouth Branch
117 S Union St Mc Louth KS
Country Club Bank
Leavenworth-Delaware Branch
401 Delaware Street Leavenworth KS
SOLUTIONS NORTH BANK
Lenora Branch
105 South Main Street Lenora KS
Lyons Federal Bank
Lyons Federal Bank Branch
200 East Ave South Lyons KS
State Bank of Downs
Downs Branch
800 Morgan Avenue Downs KS
Farmers State Bank
Farmers State Bank Branch
110 W State St Phillipsburg KS
Elk State Bank
Baileyville Branch
611 North Second Street Seneca KS
Citizens Federal Savings Bank
Citizens Savings And Loan Association, Fsb Branch
5151 S 4th Street Trafficway Leavenworth KS
The Farmers State Bank
The Farmers State Bank Branch
211 St Joseph Street Wathena KS
The First State Bank
The First State Bank Branch
206 N. Pennsylvania Ave. Ness City KS
Farmers Bank & Trust
Larned Branch
102 West 6th Street Larned KS
The First State Bank of Ransom
The First State Bank Of Ransom Branch
306 S Vermont Ave Ransom KS
Peoples Bank and Trust Company
Peoples Bank And Trust Company Branch
101 South Main Street Mcpherson KS
The Kansas State Bank Overbrook Kansas
The Kansas State Bank Overbrook Kans Branch
400 Maple Street Overbrook KS
Labette Bank
Columbus Branch
101 East Maple Street Columbus KS
Academy Bank, National Association
Merit Bank Branch
10000 College Boulevard Overland Park KS
Bank of Commerce and Trust Company
Bank Of Commerce And Trust Company Branch
201 West Harvey Avenue Wellington KS
BancCentral, National Association
Anthony Branch
203 West Main Street Anthony KS
Home Bank and Trust Company
Home Bank And Trust Company Branch
217 North Main Street Eureka KS
Community Bank of Wichita, Inc.
Community Bank Of Wichita, Inc. Branch
11330 East 21st Street Wichita KS
The Bank of Tescott
The Bank Of Tescott Branch
104 S Main St Tescott KS
The Citizens State Bank
The Citizens State Bank Branch
601 S. Main Street Hugoton KS
The Fidelity State Bank and Trust Company
The Fidelity State Bank And Trust Co Branch
510 North Second Avenue Dodge City KS
Adams Bank & Trust
Colby Branch
370 North Franklin Avenue Colby KS
The Citizens State Bank
Community Branch
101 West North Street Hanover KS
The Denison State Bank
Meriden Branch
3675 74th Street Meriden KS
The Citizens National Bank
The Citizens National Bank Branch
417 Commercial Street Greenleaf KS
The First National Bank in Cimarron
The First National Bank In Cimarron Branch
121 North Main Cimarron KS
The Community Bank
The Community Bank Branch
2320 North Kansas Avenue Liberal KS
Andover State Bank
Andover State Bank Branch
511 North Andover Road Andover KS
The Bennington State Bank
Lucas Branch
132 South Main Lucas KS
The City State Bank
The City State Bank Branch
1012 Highway 69 Fort Scott KS
The First National Bank of Spearville
The First National Bank Of Spearvill Branch
401 North Main St Spearville KS
The Citizens State Bank
Cottonwood Falls Branch
235 Broadway Cottonwood Falls KS
Southwind Bank
Southwind Bank Branch
702 North Second Street Natoma KS
Golden Belt Bank, FSA
Golden Belt Bank, Fsa Branch
901 Washington St Ellis KS
Citizens State Bank and Trust Co., Ellsworth, Kansas
Lincoln Branch
100 West Lincoln Ave Lincoln KS
First State Bank and Trust
Perry Branch
402 Plaza Drive Perry KS
Great American Bank
De Soto Branch
33050 West 83rd Street De Soto KS
The Farmers State Bank
The Farmers State Bank Branch
209 Montana Avenue Holton KS
Kanza Bank
Anthony Citizens Branch
102 East Main Street Anthony KS
The Stockgrowers State Bank of Ashland, Kansas
Meade Branch
203 North Fowler Meade KS
The State Exchange Bank
The State Exchange Bank Branch
107 South Commercial Street Mankato KS
The Wilson State Bank
Hoisington Branch
Second And Main Streets Hoisington KS
Bank of the Plains
The Plains State Bank Branch
411 Grand Ave Plains KS
Dream First Bank, National Association
The First National Bank Of Syracuse Branch
111 South Main Street Syracuse KS
Johnson State Bank
Johnson State Bank Branch
106 North Main Street Johnson KS
The First Security Bank
The First Security Bank Branch
312 Maple Street Overbrook KS
CoreFirst Bank & Trust
Corefirst Bank & Trust Branch
3035 South Topeka Avenue Topeka KS
Kaw Valley Bank
Kaw Valley Bank Branch
1110 North Kansas Avenue Topeka KS
NBKC Bank
Nbkc Bank Branch
10700 Nall Ave Overland Park KS
Vintage Bank Kansas
Whitewater Branch
126 South Main Street Whitewater KS
BancCentral, National Association
Anthony Branch
203 West Main Street Anthony KS
Alva State Bank & Trust Company
The First State Bank Kiowa Branch
546 Main Street Kiowa KS
The City National Bank and Trust Company of Lawton, Oklahoma
Kellogg Branch
11411 E Kellogg Drive Wichita KS
GNBank, National Association
The Girard National Bank Branch
100 East Forest Avenue Girard KS
The First National Bank of Dighton
The First National Bank Of Dighton Branch
105 East Log Street Dighton KS
The Western State Bank
Leoti Branch
Second And Broadway Leoti KS
Carson Bank
Carson Bank Branch
122 West Main Street Mulvane KS
Farmers & Merchants Bank of Colby
Farmers & Merchants Bank Of Colby Branch
240 West Fourth Street Colby KS
United Bank & Trust
Clay Center Branch
502 Lincoln Ave Clay Center KS
The Citizens State Bank
Community Branch
101 West North Street Hanover KS
First Heritage Bank
First Heritage Bank Branch
620 Fourth Street Centralia KS
Community National Bank
Community National Bank Branch
210 Main Street Seneca KS
KCB Bank
The Kearny County Bank Branch
221 North Main Street Lakin KS
The Community Bank
The Community Bank Branch
2320 North Kansas Avenue Liberal KS
The Lyndon State Bank
The Lyndon State Bank Branch
817 Topeka Avenue Lyndon KS
Goppert State Service Bank
Hepler Branch
101 North Prarie Avenue Hepler KS
Community National Bank & Trust
Arma Branch
401 East South Street Arma KS
The Riley State Bank of Riley, Kansas
Fmsb-Riley Branch
711 Elm Street Wakefield KS
Carson Bank
Carson Bank Branch
122 West Main Street Mulvane KS
Union State Bank
Union State Bank Branch
701 5th Street Clay Center KS
The Kansas State Bank
The Kansas State Bank Branch
236 North Main Street Ottawa KS
The Farmers State Bank
The Farmers State Bank Branch
209 Montana Avenue Holton KS
Farmers National Bank
Farmers National Bank Branch
759 State Street Phillipsburg KS
First National Bank and Trust
West Main Branch
201 West Main Logan KS
Elk State Bank
Baileyville Branch
611 North Second Street Seneca KS
Union State Bank
Union State Bank Branch
204 E Hwy 16 Olsburg KS
The First National Bank of Scott City
The First National Bank Of Scott Cit Branch
501 Main Street Scott City KS
Dream First Bank, National Association
The First National Bank Of Syracuse Branch
111 South Main Street Syracuse KS
The First National Bank of Louisburg
The First National Bank Of Louisburg Branch
1201 West Amity Street Louisburg KS
Prescott State Bank
Prescott State Bank Branch
283 East Main St Prescott KS
Alva State Bank & Trust Company
The First State Bank Kiowa Branch
546 Main Street Kiowa KS
The Exchange State Bank of St. Paul, Kansas
The Exchange State Bank Of St. Paul, Kansas Branch
408 5th Street Saint Paul KS
Grant County Bank
Grant County Bank Branch
201 South Main Street Ulysses KS
Vintage Bank Kansas
Whitewater Branch
126 South Main Street Whitewater KS
Farmers and Merchants Bank of Mound City, Kansas
Farmers And Merchants Bank Of Mound City, Kansas Branch
103 S. 5th St. Mound City KS
The Farmers State Bank of Oakley, Kansas
The Farmers State Bank Of Oakley, Kansas Branch
100 Center Avenue Oakley KS
The First National Bank of Hope
The First National Bank Of Hope Branch
112 North Main Street Hope KS
The Citizens National Bank
The Citizens National Bank Branch
417 Commercial Street Greenleaf KS
FNB Washington
Fnb Washington Branch
101 C Street Washington KS
First Heritage Bank
First Heritage Bank Branch
620 Fourth Street Centralia KS
First Bank Kansas
Lindsborg Branch
118 North Main Street Lindsborg KS
KCB Bank
The Kearny County Bank Branch
221 North Main Street Lakin KS
Kendall Bank
The State Bank Of Spring Hill Branch
201 South Webster Street Spring Hill KS
TriCentury Bank
Tricentury Bank Branch
33485 Lexington Avenue De Soto KS
Grant County Bank
Grant County Bank Branch
201 South Main Street Ulysses KS
Liberty Bank and Trust Company
1314 North 5th Street Branch
1314 North 5th Street Kansas City KS
Outdoor Bank
Peoples St Bk Br Branch
304 Rawlins Avenue Mc Donald KS
New Century Bank
New Century Bank Branch
1211 28th Street Belleville KS
American Bank of Baxter Springs
American Bank Of Baxter Springs Branch
1201 Military Avenue Baxter Springs KS
The Farmers State Bank
The Farmers State Bank Branch
2074 East Kansas Avenue Mcpherson KS
Landmark National Bank
Osage City Branch
102 South Sixth Street Osage City KS
The Farmers State Bank of Oakley, Kansas
The Farmers State Bank Of Oakley, Kansas Branch
100 Center Avenue Oakley KS
UMB Bank, National Association
Abilene Branch
400 North Broadway Abilene KS
The First National Bank of Hope
The First National Bank Of Hope Branch
112 North Main Street Hope KS
Armed Forces Bank, National Association
Armed Forces Bank, National Association Branch
320 Kansas Avenue Fort Leavenworth KS
The Farmers State Bank of Blue Mound
Pleasanton Branch
901 Main Street Pleasanton KS
The Citizens National Bank
The Citizens National Bank Branch
417 Commercial Street Greenleaf KS
The Farmers State Bank
The Farmers State Bank Branch
412 West Commercial Street Fairview KS
NBH Bank
Lenexa Branch Br # 21
15040 West 87th Street Lenexa KS
Great Southern Bank
Osawatomie Branch
519 South Sixth Street Osawatomie KS
Enterprise Bank & Trust
Overland Park Branch
12695 Metcalf Avenue Overland Park KS
Bank of Labor
Bank Of Labor Branch
756 Minnesota Avenue Kansas City KS
FirstOak Bank
Firstoak Bank Branch
113 North Penn Avenue Independence KS
Cornerstone Bank
Cornerstone Bank Branch
9120 W. 135th Street Overland Park KS
Equity Bank
Equity Ellis Branch
916 Washington Street Ellis KS
Conway Bank
Conway Bank Branch
124 West Spring Avenue Conway Springs KS
Silver Lake Bank
Silver Lake Bank Branch
201 Nw U.S. Highway 24 Topeka KS
The Valley State Bank
The Valley State Bank Branch
502 North Merchant Street Belle Plaine KS
Bank of Commerce
Thayer Branch
115 Neosh0 St Thayer KS
The Baxter State Bank
The Baxter State Bank Branch
1401 Military Avenue Baxter Springs KS
The First National Bank of Hutchinson
The First National Bank Of Hutchinso Branch
1 North Main Street Hutchinson KS
Bank of Prairie Village
Bank Of Prairie Village Branch
3515 W. 75th Street Prairie Village KS
Central National Bank
201 South Fourth Street Branch
201 South Fourth Street Burlington KS
FNB Bank
First National Bank Branch
202 East Eleventh Street Goodland KS
Astra Bank
Belleville Branch
1205 18th Street Belleville KS
Citizens State Bank and Trust Company
Citizens State Bank And Trust Compan Branch
610 Oregon Street Hiawatha KS
The Peoples State Bank
The Peoples State Bank Branch
200 West Main Street Cherryvale KS
ANB Bank
Lenexa Premier Branch
15301 W 87th Street Parkway Lenexa KS
Citizens Bank of Kansas
Citizens Bank Of Kansas Branch
300 North Main Street Kingman KS
BOKF, National Association
Topeka Office Branch
900 South Kansas Avenue, Suite 100 Topeka KS
Central National Bank
201 South Fourth Street Branch
201 South Fourth Street Burlington KS
Fidelity State Bank and Trust Company
Fidelity State Bank And Trust Compan Branch
600 Kansas Avenue Topeka KS
Community Bank
Community Bank Branch
5431 Southwest 29th Street Topeka KS
The Tampa State Bank
The Tampa State Bank Branch
326 North Main Street Tampa KS
Commerce Bank
Manhattan Main Branch
727 Poyntz Ave Manhattan KS
First National Bank of Omaha
Overland Park Branch
9700 Metcalf Overland Park KS
FNB Bank
First National Bank Branch
202 East Eleventh Street Goodland KS
U.S. Bank National Association
Crosby Place Branch
719 South Kansas Avenue Topeka 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

Certificates of Deposit - Branch Banks 2025

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. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

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. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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