Best CD Rates in Kansas City, MO & KS
Compare today's best cd rates from 44 local Kansas City banks and credit unions across Missouri and Kansas — with rates up to 4.65% APY. Updated daily and ranked by APY, never by advertising.
Whether you're comparing cd rates in Johnson County, Jackson County, or anywhere across the KC metro, KCBanks.com tracks FDIC- and NCUA-insured institutions so you can find the highest local yield in one place — free.
The best cd rate in Kansas City right now is 4.65% APY from OMB Bank. KCBanks.com compares 44 local banks and credit unions across Missouri and Kansas, updated daily and ranked by APY — never by advertising.
Kansas City CD rates by term
The single best verified APY we track for each common term, across every KC bank and credit union.
| Term | Best APY | Institution |
|---|---|---|
| 6-month | 4.19% | Midwest Heritage Bank, FSBBank |
| 1-year | 4.40% | Academy BankBank |
| 18-month | 4.56% | OMB BankBank |
| 2-year | 4.50% | Midwest Heritage Bank, FSBBank |
| 3-year | 4.30% | Mid-America BankBank |
| 4-year | 4.30% | Core BankBank |
| 5-year | 4.50% | TriCentury BankBank |
On 12-month CDs, Kansas City credit unions currently average 4.02% APY versus 3.17% at banks — credit unions lead by 0.86 points. Rates are verified daily from each institution's published rate sheet; see the monthly KC Rate Report for trends.
Frequently Asked Questions — CD Rates in Kansas City
- What is the best cd rate in Kansas City right now?
- The top cd rates rate in Kansas City today is 4.65% APY from OMB Bank. KCBanks.com compares 44 local banks and credit unions across the KC metro (MO & KS) and updates rates daily.
- Do credit unions or banks have better cd rates in Kansas City?
- It varies by institution, but Kansas City credit unions like CommunityAmerica and Mazuma often post higher APYs than national banks. KCBanks.com lets you compare both side by side and filter to banks or credit unions only.
- How often are Kansas City cd rates updated?
- Daily. We track published rates from 140+ FDIC- and NCUA-insured KC-area institutions and show a freshness indicator on every listing so you know when each rate was last verified.
- How does KCBanks.com rank cd rates?
- Organic rankings are based solely on APY, fees, accessibility, and data freshness — never on advertising. Paid placements are always clearly labeled.
- Are these Kansas City cd rates FDIC or NCUA insured?
- Yes. Every institution we list is federally insured — banks by the FDIC and credit unions by the NCUA — protecting your deposits up to $250,000 per depositor, per institution.
- Is KCBanks.com free to use?
- Completely free for consumers. You can compare cd rates, filter by county, and use our tools at no cost. We're funded by clearly-labeled advertising that never affects our organic rankings.
- How do I get the best cd rate in Kansas City?
- Compare APY (not just the interest rate) across local institutions, check minimum balance and fee requirements, and confirm the rate is freshly verified. Local credit unions and online banks usually offer the highest KC rates.