Lees Summit, Missouri Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Lees Summit, Missouri CD rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Lees Summit, Missouri CD rates include North American Savings Bank (NASB)North American Savings Bank (NASB)646 Ne 291 Hwy, LeeS Summit, MO 64086A+5.0 ★Texas Ratio: 4.31%Real return: +1.00%APY minus CPIRate verified Nov 11, 2026 offering 12-Month Jumbo CD Special at 4.70% APY, Academy BankAcademy Bank1000 Ne Sam Walton Ln, Lees Summit, MO 64086A+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, Mazuma Credit UnionMazuma Credit Union1155 NE Douglas St, Lees Summit, MO 64086 4603A5.0 ★Texas Ratio: 8.70%Real return: +0.65%APY minus CPIRate verified Nov 8, 2026 offering 1 Year Premier CD at 4.35% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City1255 Se Oldham Pkwy, Lees Summit, MO 64081A+5.0 ★Texas Ratio: 3.50%Real return: +0.45%APY minus CPIRate verified Nov 6, 2026 offering 36-Month CD at 4.15% APY, and CommunityAmerica Credit UnionCommunityAmerica Credit Union1720 SE Blue Parkway, Lees Summit, MO 64063Real return: +0.40%APY minus CPIRate verified Nov 9, 2026 offering 24 Month Business Share Certificate at 4.10% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Lees Summit has 194 local institutions in our database, with CD rates as high as 4.70% APY from North American Savings Bank (NASB) at 646 Ne 291 Hwy, LeeS Summit, MO 64086. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Missouri 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 Lees Summit, Missouri & the Surrounding Area
Lees Summit 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
Interest payment options available; early withdrawal penalty applies; Open Online or Open In Person
Rate Code E
Not eligible for IRAs; Penalty for early withdrawal
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Balance: $100,000 or more
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $1,000.00 and above
Lees Summit 6 Month CD Rates
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Rates effective as of 10/19/2026
Not eligible for IRAs; Penalty for early withdrawal
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Interest payment options available; early withdrawal penalty applies; Open Online or Open In Person
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Rates effective August 27, 2025; rates subject to change daily; early withdrawal penalty may apply
Individual Retirement Account; IRA minimum opening balance $500 unless specified; Rates as of 08/27/2025; may be subject to substantial penalty for early withdrawal
Rate Code E
Balance: $100,000 or more
Lees Summit 12 Month CD Rates
Online only; Interest rate 4.59%, APY 4.70%
- Nov 3, 20264.35%▲ from 3.70%
- Oct 9, 20263.70%▼ from 3.80%
- Sep 18, 20263.80%first recorded
- 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
Rates effective as of 10/19/2026
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Rate Code E
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Lees Summit 18 Month CD Rates
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
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
Interest Compounded and Credited Quarterly; Rates are variable and may change after account opening; An early withdrawal penalty may be assessed
Rates effective as of 10/19/2026
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
- Nov 3, 20263.40%▼ from 3.85%
- Oct 9, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Rate Code E
Lees Summit 24 Month CD Rates
Rates effective as of 10/19/2026
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
- Oct 2, 20263.51%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
- 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
Two opportunities to add up to 50% of the current balance while preserving rate
- Nov 3, 20263.15%▼ from 3.40%
- Oct 26, 20263.40%first recorded
Rate Code E
Lees Summit 36 Month CD Rates
Special rate; Open account
Rates effective as of 10/19/2026
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
- Nov 3, 20263.25%▼ from 3.35%
- Oct 9, 20263.35%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
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
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Lees Summit 48 Month CD Rates
Rates effective as of 10/19/2026
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 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
Rates effective August 27, 2025; rates subject to change daily; early withdrawal penalty may apply
- Oct 13, 20261.81%▼ from 2.68%
- Sep 14, 20262.68%first recorded
Balance: $100,000 or more
CD rates are fixed for the term of the CD.
Lees Summit 60 Month CD Rates
Rates effective as of 10/19/2026
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Balance: $10,000+; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
- Nov 3, 20263.10%▼ from 3.25%
- Oct 9, 20263.25%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Balance: $500 - $9,999; Interest paid quarterly; Rates subject to change weekly; Certificates effective Jul 28, 2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Rates effective August 27, 2025; rates subject to change daily; early withdrawal penalty may apply
- Oct 13, 20261.86%▼ from 2.02%
- Sep 14, 20262.02%first recorded
Balance: $100,000 or more
CD rates are fixed for the term of the CD.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Lees Summit, MO CD Rate Trends
Compare local Lees Summit, MO 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.
Missouri 12-month CD rates rose 0.008 points over the past 7 days to 3.141% APY.
Missouri 6-month CD rates fell 0.001 points over the past 7 days to 2.909% APY.
MO CD Rate Forecast, Next 12 Months
Where are Missouri 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 MO CD Rates Today
Annual interest earnings at today’s Missouri average APYs. State average used where available; national average as fallback.
| CD Term | MO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.914% | $95.71 | $191.42 | $478.55 | $957.10 |
| 6-Month CD | 2.909% | $145.46 | $290.92 | $727.30 | $1,454.60 |
| 12-Month CD | 3.141% | $157.05 | $314.11 | $785.27 | $1,570.55 |
| 18-Month CD | 2.901% | $145.05 | $290.10 | $725.25 | $1,450.50 |
| 24-Month CD | 2.968% | $148.39 | $296.77 | $741.93 | $1,483.85 |
| 36-Month CD | 2.771% | $138.54 | $277.07 | $692.68 | $1,385.35 |
| 48-Month CD | 2.803% | $140.15 | $280.29 | $700.73 | $1,401.45 |
| 60-Month CD | 2.885% | $144.23 | $288.45 | $721.13 | $1,442.25 |
| 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 Lees Summit, Missouri Savers
$25,000 split equally across 5 terms using today’s Missouri average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.914% | $95.71 |
| 2 | 6-Month CD | $5,000 | 2.909% | $145.46 |
| 3 | 12-Month CD | $5,000 | 3.141% | $157.05 |
| 4 | 24-Month CD | $5,000 | 2.968% | $148.39 |
| 5 | 36-Month CD | $5,000 | 2.771% | $138.54 |
| Total ($25,000 invested) | $25,000 | 2.741% blended | $685.15/yr | |
Ladder example uses equal $5,000 rungs and Missouri average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Lees Summit, Missouri
About Our Lees Summit, Missouri CD Rate Database
MonitorBankRates tracks 1,542 CD rates from 86 banks and 54 credit unions with locations in Lees Summit, Missouri, plus national online institutions available to Missouri 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: North American Savings Bank (NASB) offers a CD at 4.70% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Lees Summit, Missouri.
How to Find the Best CD Rates in Lees Summit, Missouri
What to compare when shopping for a CD in Lees Summit, Missouri
To find the best APYs in Lees Summit, Missouri, start with credit unions and online-only banks: Lees Summit, Missouri has 54 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 Lees Summit, Missouri
- 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 Lees Summit, Missouri: 140 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lees Summit, Missouri 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 Lees Summit, Missouri money market rates
Missouri 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)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO 12-month CD average of 3.141%, saving 10% of the local median salary ($4,277/year) and putting it in a CD would earn an additional $134 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 Lees Summit, Missouri
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 Lees Summit, Missouri 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 Lees Summit, Missouri 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 Lees Summit, Missouri savers easier access to their funds. For example, Simmons Bank is offering its 6-month CD at 3.65% 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 Lees Summit, Missouri 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 Lees Summit, Missouri 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 Lees Summit, Missouri 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 Lees Summit, Missouri
What are CD rates in Lees Summit, Missouri today?
Are CD rates in Lees Summit, Missouri FDIC insured?
Do I have to pay state taxes on CD interest in Lees Summit, Missouri?
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 Lees Summit, Missouri?
- North American Savings Bank (NASB): 4.70% APY (12-Month Jumbo CD Special)
- Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
- Mazuma Credit Union: 4.35% APY (1 Year Premier CD)
- First Federal Bank of Kansas City: 4.15% APY (36-Month CD)
- CommunityAmerica Credit Union: 4.10% APY (24 Month Business Share Certificate)
- Brilliant Bank: 4.00% APY (3-Month CD)
- UMB Bank: 3.85% APY (3-Month Time Deposit Account)
- Simmons Bank: 3.65% APY (6-month CD)
- Missouri Central Credit Union: 3.65% APY (Share Certificate - 12 month)
- Security Bank of Kansas City: 3.60% APY (18 Month Certificate of Deposit)
Lees Summit, Missouri 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 Lees Summit, Missouri 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 Lees Summit, Missouri
At today’s MO top rate of 4.70% APY, a $10,000 deposit earns $470 in the first year. Enter your amount to see your exact return.
Lees Summit, Missouri CD LadderMO CD rates currently range from 1.914% (3-month) to 2.771% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lees Summit, Missouri CD at 4.70% 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 SavingsMissouri’s average 12-month CD is 3.141% 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 Lees Summit, Missouri 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 Lees Summit, Missouri 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 Lees Summit, Missouri. 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 MO.
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.
Lees Summit, Missouri Rates & Resources
