Overland Park, Kansas Best CD Rates November 2026
Brian McKay
Brian McKay
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Overland Park, Kansas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Overland Park, Kansas CD rates include Midwest Heritage BankMidwest Heritage Bank8900 W 135th St, Overland Park, KS 66221A5.0 ★Texas Ratio: 9.76%Real return: +0.80%APY minus CPIRate verified Nov 11, 2026 offering Certificate of Deposit 24 Months at 4.50% APY, Academy BankAcademy Bank10000 College Blvd, Overland Park, KS 66210A+5.0 ★Texas Ratio: 5.08%Real return: +0.70%APY minus CPIRate verified Nov 11, 2026 offering 18 Month Certificate of Deposit at 4.40% APY, Argentine Federal SavingsArgentine Federal Savings12501 Antioch Rd, Overland Park, KS 66213A5.0 ★Texas Ratio: 12.38%Real return: +0.70%APY minus CPIRate verified Nov 11, 2026 offering 12 Month CD at 4.40% APY, Mazuma Credit UnionMazuma Credit Union7260 W 135th St, Overland Park, KS 66223A5.0 ★Texas Ratio: 8.70%Real return: +0.65%APY minus CPIRate verified Nov 8, 2026 offering 1 Year Premier CD at 4.35% APY, and Capitol Federal Savings BankCapitol Federal Savings Bank9500 Nall Ave, Overland Park, KS 66207A+5.0 ★Texas Ratio: 5.21%Real return: +0.60%APY minus CPIRate verified Nov 11, 2026 offering 48-Month CD at 4.30% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Overland Park has 338 local institutions in our database, with CD rates as high as 4.50% APY from Midwest Heritage Bank at 8900 W 135th St, Overland Park, KS 66221. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Kansas area. Rates are continually updated, so 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: November 12, 2026
Compare Best CD Rates in Overland Park, Kansas & the Surrounding Area
Overland Park 3 Month CD Rates
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
Rates effective as of 10/19/2026
IRA
- Oct 3, 20263.54%▼ from 3.60%
- Sep 19, 20263.60%first recorded
- Oct 3, 20263.50%▼ from 3.60%
- Sep 19, 20263.60%first recorded
Minimum balance to obtain APY: $1,000.00; interest compounded and credited at maturity; early withdrawal penalty may be imposed
Interest payment options available; early withdrawal penalty applies; Open Online or Open In Person
High-Yield CDs/IRAs; APY accurate as of 11/11/2026; $1,000.00 minimum balance required to open and obtain APY; IRA CDs must be opened in-branch
Not eligible for IRAs; Penalty for early withdrawal
Rewards APY
Rewards APY
Regular APY
Regular APY
- Nov 5, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Overland Park 6 Month CD Rates
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rates effective as of 11/10/2026; Open Online
Minimum of $1,000 to open your account
- Nov 5, 20263.65%▼ from 4.15%
- Sep 19, 20264.15%first recorded
IRA
- Nov 5, 20263.65%▼ from 4.15%
- Sep 19, 20264.15%first recorded
Rates effective as of 10/19/2026
Not eligible for IRAs; Penalty for early withdrawal
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
Minimum balance to obtain APY: $1,000.00; interest compounded and credited monthly; early withdrawal penalty may be imposed
Interest payment options available; early withdrawal penalty applies; Open Online or Open In Person
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Overland Park 12 Month CD Rates
- Nov 5, 20264.40%▲ from 4.25%
- Oct 3, 20264.25%▲ from 3.95%
- Sep 19, 20263.95%first recorded
IRA
- Nov 5, 20264.40%▲ from 4.25%
- Oct 3, 20264.25%▲ from 3.95%
- Sep 19, 20263.95%first recorded
- Nov 3, 20264.35%▲ from 3.70%
- Oct 9, 20263.70%▼ from 3.80%
- Sep 18, 20263.80%first recorded
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Online Only; minimum deposit of $1,000.00 required to obtain APY; maximum amount to open CD is $90,000; consumer customers only, no institutional or public funds; not available for IRAs; APY stated accurate as of 10/2/2026; substantial penalty for early withdrawals
Online Only; Minimum deposit of $1,000.00 required to obtain APY; Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds eligible; Not available for IRAs; Substantial penalty for early withdrawals; APY stated accurate as of 10/2/2026
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Save up for a special event or purchase; regular, required deposits of $25 or more to reach set target amount
- Nov 3, 20264.15%▲ from 3.50%
- Oct 13, 20263.50%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
Rates effective as of 10/19/2026
Overland Park 18 Month CD Rates
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
CD Specials
CD Specials
Regular APY
Rewards APY
Regular APY
Rewards APY
Rewards APY
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
IRA CD Specials
IRA CD Specials
Rewards APY
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Overland Park 24 Month CD Rates
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rates effective as of 10/19/2026
Rates effective as of 09/30/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
- Oct 2, 20263.60%▲ from 3.03%
- Sep 18, 20263.03%first recorded
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
- Oct 2, 20263.51%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
- Nov 3, 20263.35%▼ from 3.60%
- Oct 9, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Two opportunities to jump up rate during CD term; new rate equals the 2 or 3 year certificate rate offered at the time (based on original term), with maximum increase of 1% per jump
- Nov 3, 20263.15%▼ from 3.40%
- Oct 13, 20263.40%first recorded
Overland Park 36 Month CD Rates
Rates effective as of 10/19/2026
Rates effective as of 09/30/2026
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
- Nov 3, 20263.25%▼ from 3.35%
- Oct 9, 20263.35%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Two opportunities to jump up rate during CD term; new rate equals the 2 or 3 year certificate rate offered at the time (based on original term), with maximum increase of 1% per jump
- Nov 3, 20263.05%▼ from 3.15%
- Oct 13, 20263.15%first recorded
For Members under 18; $100 minimum deposit - $5,000 maximum; regular deposits of $25 or more up to the $5,000 maximum
- Nov 3, 20263.05%▼ from 3.15%
- Oct 9, 20263.15%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Two opportunities to add up to 50% of the current balance while preserving rate
- Nov 3, 20263.05%▼ from 3.15%
- Oct 26, 20263.15%first recorded
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Overland Park 48 Month CD Rates
Open online or at any CapFed branch; $1,000 minimum balance to open and earn APY; interest compounded daily and paid quarterly
Rates effective as of 10/19/2026
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
Rates effective as of 09/30/2026
- Nov 3, 20263.20%▼ from 3.30%
- Oct 9, 20263.30%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Rewards APY
Rewards APY column; Dividend Rate 2.86%
Rewards APY
Overland Park 60 Month CD Rates
Rates effective as of 10/19/2026
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Certificate rates effective 7/10/2026; rates apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship
Rates effective as of 09/30/2026
- Nov 3, 20263.10%▼ from 3.25%
- Oct 9, 20263.25%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Rewards APY
Rewards APY column; Dividend Rate 3.06%
Rewards APY
Rewards APY
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Overland Park, KS CD Rate Trends
Compare local Overland Park, 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 rose 0.005 points over the past 7 days to 3.060% APY.
Kansas 6-month CD rates fell 0.004 points over the past 7 days to 2.687% APY.
KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through November 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 | 1.926% | $96.28 | $192.55 | $481.38 | $962.75 |
| 6-Month CD | 2.687% | $134.35 | $268.70 | $671.75 | $1,343.50 |
| 12-Month CD | 3.060% | $153.01 | $306.02 | $765.05 | $1,530.10 |
| 18-Month CD | 2.761% | $138.07 | $276.14 | $690.35 | $1,380.70 |
| 24-Month CD | 2.841% | $142.04 | $284.07 | $710.18 | $1,420.35 |
| 36-Month CD | 2.819% | $140.95 | $281.89 | $704.73 | $1,409.45 |
| 48-Month CD | 2.744% | $137.18 | $274.36 | $685.90 | $1,371.80 |
| 60-Month CD | 2.866% | $143.32 | $286.64 | $716.60 | $1,433.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for Overland Park, 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 | 1.926% | $96.28 |
| 2 | 6-Month CD | $5,000 | 2.687% | $134.35 |
| 3 | 12-Month CD | $5,000 | 3.060% | $153.01 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.04 |
| 5 | 36-Month CD | $5,000 | 2.819% | $140.95 |
| Total ($25,000 invested) | $25,000 | 2.667% blended | $666.63/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 Overland Park, Kansas
About Our Overland Park, Kansas CD Rate Database
MonitorBankRates tracks 1,333 CD rates from 78 banks and 42 credit unions with locations in Overland Park, 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 to 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: Midwest Heritage Bank offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Overland Park, Kansas.
How to Find the Best CD Rates in Overland Park, Kansas
What to compare when shopping for a CD in Overland Park, Kansas
To find the best APYs in Overland Park, Kansas, start with credit unions and online-only banks: Overland Park, Kansas has 42 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 Overland Park, 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 Overland Park, Kansas: 120 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Overland Park, Kansas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Overland Park, Kansas money market rates
Overland Park, Kansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
16.5% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s KS 12-month CD average of 3.060%, saving 10% of the local median salary ($5,959/year) and putting it in a CD would earn an additional $182 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 Overland Park, 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 to 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 |
CD Product Information
How CDs Work
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 Overland Park, 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 Overland Park, Kansas as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Overland Park, Kansas savers easier access to their funds. For example, Midwest Heritage Bank is offering its Certificate of Deposit 6 Months at 4.19% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CommunityAmerica Credit Union is offering its 60 Month Business Share Certificate at 3.95% 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
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 Overland Park, 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
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 Overland Park, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Overland Park, 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 Overland Park, Kansas
What are CD rates in Overland Park, Kansas today?
Are CD rates in Overland Park, Kansas FDIC insured?
Do I have to pay state taxes on CD interest in Overland Park, 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 Overland Park, Kansas?
- Midwest Heritage Bank: 4.50% APY (Certificate of Deposit 24 Months)
- Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
- Argentine Federal Savings: 4.40% APY (12 Month CD)
- Mazuma Credit Union: 4.35% APY (1 Year Premier CD)
- Capitol Federal Savings Bank: 4.30% APY (48-Month CD)
- Community National Bank Seneca, KS: 4.27% APY (12 Month CD Special (Online Only))
- Alero Financial Credit Union: 4.27% APY (18-Month Promotional Share Certificate)
- First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
- First Federal Bank of Kansas City: 4.15% APY (36-Month CD)
- CommunityAmerica Credit Union: 4.10% APY (24 Month Business Share Certificate)
Overland Park, Kansas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Overland Park, Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Overland Park, Kansas
At today’s KS top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Overland Park, Kansas CD LadderKS CD rates currently range from 1.926% (3-month) to 2.819% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Overland Park, Kansas CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 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 3.060% 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 Overland Park, 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 Overland Park, 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 Overland Park, 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.
Overland Park, Kansas Rates & Resources
