Bird City, Kansas CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bird City, Kansas CD rates include Kansas Blue Cross Blue Shield Credit UnionKansas Blue Cross Blue Shield Credit UnionA+5.0 ★Texas Ratio: 2.24%Real return: +2.19%APY minus CPI (February 2026) offering Share Certificate 12 Month at 4.99% APY, The Valley State BankThe Valley State BankA+5.0 ★Texas Ratio: 3.63%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month CD at 4.22% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 24 Month CD at 4.16% APY, Omb BankOmb BankA+5.0 ★Texas Ratio: 4.97%Real return: +1.25%APY minus CPI (February 2026) offering 3 Month CD at 4.05% APY, and Mid-America BankMid-America BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.24%APY minus CPI (February 2026) offering 1 Year CD or IRA at 4.04% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Bird City is a smaller community with no bank or credit union branches currently in our database. 612 institutions serving the Kansas area are available to Bird City residents, with CD rates as high as 4.99% APY from Kansas Blue Cross Blue Shield Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Bird City, Kansas & the Surrounding Area
Bird City 3 Month CD Rates
Renewal rate based on 3-month board rate at maturity. Penalty for early withdrawal. Rates subject to change.
Interest Compounding Frequency: ; Interest Availability: Maturity
Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest
Compounded: At Maturity
Compounding Frequency: Quarterly
Early withdrawal penalties may apply.
$0 - $9,999.99
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Bird City 6 Month CD Rates
Annual Percentage Yield as of 05/13/2026. For a limited time. Penalty for early withdrawal. Member FDIC
Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest
APY = Annual Percentage Yield
Interest Compounded: Quarterly
Early withdrawal penalties may apply.
Monthly Service Fee: $0 ($10 if balance falls below $1,000)
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Limited time offer; available for personal and business accounts.
Monthly Service Fee: $0 ($10 if balance falls below $1,000)
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
$0 - $9,999.99
Compounded: At Maturity
Bird City 12 Month CD Rates
Penalty for early withdrawal
Jumbo
Annual Percentage Yield as of 05/13/2026. For a limited time. Penalty for early withdrawal. Member FDIC
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Balance top Obtain APY: $1,000
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
Compounding Frequency: SEMI ANNUALLY
Interest Compounded: Quarterly
Early withdrawal penalties may apply.
also available as an add-on CD
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Minimum balance to earn APY: $100,000
Bird City 18 Month CD Rates
Jumbo
Minimum balance to earn APY: $100,000
Limited time offer. New money only. Alero Financial membership required.
Variable Rate
rates adjusted quarterly
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Early withdrawal penalties may apply.
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Penalty for early withdrawal: 9 months interest
Compounded: Semi-Annual
$0 - $9,999.99
Interest Compounded: Quarterly
Bird City 24 Month CD Rates
Penalty for early withdrawal
Jumbo
Balance top Obtain APY: $1,000
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Interest Compounded: Quarterly
Early withdrawal penalties may apply.
Minimum balance to earn APY: $100,000
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Compounded: Semi-Annual
$0 - $9,999.99
Bird City 36 Month CD Rates
Jumbo
Minimum balance to earn APY: $100,000
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Balance top Obtain APY: $1,000
Early withdrawal penalties may apply.
Minimum balance to earn APY: $100,000
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
Interest Compounded: Quarterly
$0 - $9,999.99
Compounding Frequency: Semi-Annually
Interest Compounded: Quarterly
Bird City 48 Month CD Rates
Jumbo
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Balance top Obtain APY: $1,000
Minimum balance to earn APY: $100,000
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
APY is accurate as of 09/19/2024 and may change without notice. Early withdrawal penalty applies. Fees and withdrawals may reduce earnings. CDs renew automatically into the same Term CD.
Interest Compounded: Quarterly
$0 - $9,999.99
Compounded: Semi-Annual
Compounding Frequency: Semi-Annually
Bird City 60 Month CD Rates
Jumbo
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Balance top Obtain APY: $1,000
Early withdrawal penalties may apply. Member has the option to increase rate once during the CD term. The new rate is determined by the current Meritrust deposit rate for the same term CD.
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Minimum balance to earn APY: $100,000
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
Interest Compounded: Quarterly
5-year minimum deposit = $5,000
Compounded: Semi-Annual
$0 - $9,999.99
Annual Percentage Yield
Compounding Frequency: Semi-Annually
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bird City, KS CD Rate Trends
Compare local Bird City, KS CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kansas 12-month CD rates fell 0.041 points over the past 7 days to 2.843% APY.
Kansas 6-month CD rates rose 0.036 points over the past 7 days to 2.707% APY.
KS CD Rate Forecast — Next 12 Months
Where are Kansas CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at KS CD Rates Today
Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.
| CD Term | KS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.757% | $87.83 | $175.66 | $439.15 | $878.30 |
| 6-Month CD | 2.707% | $135.33 | $270.66 | $676.65 | $1,353.30 |
| 12-Month CD | 2.843% | $142.14 | $284.28 | $710.70 | $1,421.40 |
| 18-Month CD | 2.818% | $140.88 | $281.76 | $704.40 | $1,408.80 |
| 24-Month CD | 2.819% | $140.94 | $281.87 | $704.68 | $1,409.35 |
| 36-Month CD | 2.805% | $140.27 | $280.53 | $701.33 | $1,402.65 |
| 48-Month CD | 2.811% | $140.54 | $281.07 | $702.68 | $1,405.35 |
| 60-Month CD | 2.906% | $145.32 | $290.64 | $726.60 | $1,453.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Bird City, Kansas Savers
$25,000 split equally across 5 terms using today’s Kansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KS Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.757% | $87.83 |
| 2 | 6-Month CD | $5,000 | 2.707% | $135.33 |
| 3 | 12-Month CD | $5,000 | 2.843% | $142.14 |
| 4 | 24-Month CD | $5,000 | 2.819% | $140.94 |
| 5 | 36-Month CD | $5,000 | 2.805% | $140.27 |
| Total ($25,000 invested) | $25,000 | 2.586% blended | $646.51/yr | |
Ladder example uses equal $5,000 rungs and Kansas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Bird City, Kansas
About Our Bird City, Kansas CD Rate Database
MonitorBankRates tracks 557 CD rates from 56 banks and 31 credit unions with locations in Bird City, Kansas, plus national online institutions available to Kansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Kansas Blue Cross Blue Shield Credit Union offers a CD at 4.99% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bird City, Kansas.
How to Find the Best CD Rates in Bird City, Kansas
What to compare when shopping for a CD in Bird City, Kansas
To find the best APYs in Bird City, Kansas, start with credit unions and online-only banks — Bird City, Kansas has 31 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Bird City, Kansas
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Bird City, Kansas — 87 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bird City, Kansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bird City, Kansas money market rates
Kansas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 2.843%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Bird City, Kansas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Bird City, Kansas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Bird City, Kansas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Bird City, Kansas as everywhere in the U.S.
Choosing a CD Term in Bird City, Kansas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Bird City, Kansas savers easier access to their funds. For example, Community Bank Topeka, KS is offering its 6 Month Certificate of Deposit at 4.01% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, The Valley State Bank is offering its 60 Month CD at 4.22% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Bird City, Kansas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Bird City, Kansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Bird City, Kansas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Bird City, Kansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Bird City, Kansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bird City, Kansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Bird City, Kansas
Are CD rates in Bird City, Kansas FDIC insured?
Do I have to pay state taxes on CD interest in Bird City, Kansas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Bird City, Kansas?
- Kansas Blue Cross Blue Shield Credit Union: 4.99% APY (Share Certificate 12 Month)
- The Valley State Bank: 4.22% APY (60 Month CD)
- Farmers and Merchants Bank Milligan, NE: 4.16% APY (24 Month CD)
- Omb Bank: 4.05% APY (3 Month CD)
- Mid-America Bank: 4.04% APY (1 Year CD or IRA)
- Community Bank Topeka, KS: 4.01% APY (12 Month Certificate of Deposit)
- TriCentury Bank: 4.00% APY (12 Month Special)
- Argentine Federal Savings: 4.00% APY (3 Month CD)
- Farmers and Drovers Bank: 4.00% APY (12 Month Special)
- Mazuma Credit Union: 4.00% APY (Classic CD 4 Years)
CD Calculators for Bird City, Kansas
At today’s KS top rate of 4.99% APY, a $10,000 deposit earns $499 in the first year. Enter your amount to see your exact return.
Bird City, Kansas CD LadderKS CD rates currently range from 1.757% (3-month) to 2.805% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bird City, Kansas CD at 4.99% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKansas’s average 12-month CD is 2.843% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bird City, Kansas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bird City, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Bird City, Kansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
