Missouri

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Liberty, Missouri CD Rates

You are viewing rates from banks across Liberty

 

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

Liberty, MO - July 5, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 5.10% → 4.80% → 4.30%

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: 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% → 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

| Jun 12, 2024

I entrusted my Life Savings to this bank and they closed my accounts because I asked an honest question about an overcharge I noticed in my statement records. I mistakenly believed I could ask a simple ... Read More

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

| Feb 9, 2019

Can I order new checks online? Read More

| Feb 9, 2019

Can I order new checks online? Read More

0.60%

$500

19.43

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.60%

$10,000

19.49

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0.50%

$1,000

15.85

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| Mar 29, 2022

Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More

0.50%

$10,000

1.43

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0.50%

$10,000

11.20

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0.50%

$1

19.66

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0.50%

$10,000

16.30

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| Jul 23, 2022

Is American Trust Letter this bank's service platform or scammers' website? I was charged by first 150 USD, then 10% to withdraw money there. Website is www.americantrustletter.com Read More

0.50%

$10,000

17.39

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0.45%

$10,000

13.77

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0.40%

$1

14.47

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0.40%

$10,000

20.52

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| Mar 29, 2022

Avoid working with this bank. You will have hard times, getting your money. We spent 3k to open an account, we deposited and fighting for 3 months to get them back after we hired a lawyer. Read More

0.40%

$10,000

23.47

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0.40%

$10,000

11.20

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0.35%

$10,000

17.53

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0.35%

$10,000

7.66

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0.31%

$10,000

16.36

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0.30%

$10,000

12.08

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0.30%

$10,000

12.36

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.30%

$10,000

12.57

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| May 29, 2018

First this is a centurion bank. It’s done something right for over 100 yrs. Through the Great Depression & Recent Recessions which says a lot. They stick to what they know and do best Ag lending. They ar... Read More

0.30%

$250

22.65

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0.30%

$10,000

18.98

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| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.20%

$100,000

5.48

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| May 29, 2020

Dua Read More

0.14%

$10,000

5.48

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0.10%

$10,000

14.51

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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

| Apr 5, 2023

horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More

| Apr 5, 2023

horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... 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 Liberty, MO - July 5, 2025


Branch Street City State
Arvest Bank
Gregory Branch
222 West Gregory Kansas City MO
Arvest Bank
Gregory Branch
222 West Gregory Kansas City MO
Capitol Federal Savings Bank
Embassy Plaza Branch
5821 Nw Barry Rd Kansas City MO
Bank of America, National Association
Barry Road At Zona Rosa Branch
8351 Nw Prairie View Road Kansas City MO
First Federal Bank of Kansas City
8308 N.W. Prairie View Rd Branch
8308 N.W. Prairie Road Kansas City MO
BMO Bank National Association
Plaza Branch
800 West 47th Street Kansas City MO
Oakstar Bank
Oakstar Branch
Two Brush Creek, Ste 425 Kansas City MO
Security Bank of Kansas City
Tiffany Springs Parkway Branch
9800 Nw Polo Avenue Kansas City MO
Country Club Bank
Drive-In Facility Branch
4343 Belleview Avenue Kansas City MO
Country Club Bank
Drive-In Facility Branch
4343 Belleview Avenue Kansas City MO
State Bank of Missouri
Grain Valley Branch
1301 Sw Eagles Parkway Grain Valley MO
Academy Bank, National Association
Barry Road Wal-Mart Branch 67
8551 N. Boardwalk Kansas City MO
Bank 21
Bank 21 Branch
3301 Sw Highway Seven Blue Springs MO
Great American Bank
Kansas City Branch
3901 Main Street Kansas City MO
The Hamilton Bank
Lathroup Facility Branch
214 North Street Lathrop MO
Pony Express Bank
Liberty Branch
215 North 291 Highway Liberty MO
Verimore Bank
North Kansas City Branch
1925 Burlington Street North Kansas City MO
NBKC Bank
Platte City Branch
2443 Northwest Prairie View Road Platte City MO
The Bank of Grain Valley
40 Highway Banking Center Branch
14801 East 40 Highway Kansas City MO
Blue Ridge Bank and Trust Co.
Raytown Branch
6202 Raytown Trafficway Raytown MO
America's Community Bank
America's Community Bank Branch
1100 West Main Street Blue Springs MO
Goppert Financial Bank
Holt Drive-In Facility Branch
140 Missouri 33 Holt MO
Bank of Weston
Bank Of Weston Branch
8800 Northwest 112th Street Kansas City MO
Connections Bank
Platte City Branch
1098 Branch Street Platte City MO
The Hamilton Bank
Lathroup Facility Branch
214 North Street Lathrop MO
Preferred Bank
Melody Lane Branch
601 S.E. Melody Lane Lee's Summit MO
Verimore Bank
North Kansas City Branch
1925 Burlington Street North Kansas City MO
First Security Bank
Trimble Branch
202 North Highway 169 Trimble MO
Kearney Trust Company
Kearney Trust Company Branch
310 West 92 Highway Kearney MO
Liberty Bank and Trust Company
Troost Avenue Office Branch
4701 Troost Avenue Kansas City MO
Central Bank of Kansas City
Central Bank Of Kansas City Branch
2301 Independence Boulevard Kansas City MO
NBH Bank
Picture Hills Branch #3
6430 North Cosby Avenue Kansas City MO
UMB Bank, National Association
Prarie View Branch
8300 N.W. Prairie View Road Kansas City MO
Community Bank of Missouri
Community Bank Of Missouri Branch
1400 Hospital Drive Excelsior Springs MO
TBO Bank
The Bank Of Orrick Branch
113 E. South Front St. Orrick MO
Great Southern Bank
Great Southern Bank - Lee's Summit B Branch
300 S.W. Ward Rd Lees Summit MO
Lead Bank
Lead Bank - Chapman Farms Branch
9019 S 7 Hwy Lees Summit MO
Enterprise Bank & Trust
Enterprise Bank & Trust Branch
4717 Grand Avenue Kansas City MO
Equity Bank
Nkc-Tuileries Branch 55 Branch
6200 Nw 63rd Street Kansas City MO
Clay County Savings Bank
North Brighton Avenue Branch
8140 North Brighton Avenue Kansas City MO
BOKF, National Association
Lee's Summit Branch
1710 Ne Douglas St Lees Summit MO
Clay County Savings Bank
North Brighton Avenue Branch
8140 North Brighton Avenue Kansas City MO
Commerce Bank
Parkville Branch
9155 Nw 45 Hwy Parkville MO
U.S. Bank National Association
Barry Road Branch
6161 Barry Road Kansas City MO
Hawthorn Bank
Lee's Summit Branch
300 Sw Longview Boulevard Lees Summit MO
Hawthorn Bank
Lee's Summit Branch
300 Sw Longview Boulevard Lees Summit MO
First-Citizens Bank & Trust Company
Kansas City Branch
2 Emanuel Cleaver Ii Boulevard Kansas City MO


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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

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