First National Bank of Hutchinson CD Rates — October 2026
As of October 22, 2026, First National Bank of Hutchinson's highest tracked CD rate is 4.15% APY on a 16-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.51% to 2.77% APY.
Tracking began .
First National Bank of Hutchinson CD rates
CD specials (7-month add-on, 13 and 16 months, and a 10-month Perks+ add-on) and standard CDs from 3 months to 5 years with a $1,000 minimum. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 month CD | $1,000 | 1.51% | −2.79% | Top 69% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 month CD | $1,000 | 1.76% | −2.64% | Top 82% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 month Add-On CD Promotional | $500 | 3.80% | −0.63% | Verified October 22, 2026 |
| 10 months | Perks+ 10 month Add-On CD Relationship | $1,000 | 3.85% | −0.66% | Verified October 22, 2026 |
| 12 months | 1 year CD | $1,000 | 2.65% | −1.92% | Top 77% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 month CD Promotional | $1,000 | 4.00% | −0.60% | Verified October 22, 2026 |
| 16 months | 16 month CD Promotional | $1,000 | 4.15% | −0.52% | Verified October 22, 2026 |
| 24 months | 2 year CD | $1,000 | 2.77% | −2.10% | Top 67% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3 year CD | $1,000 | 2.77% | −2.18% | Top 65% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 year CD | $1,000 | 2.77% | −2.21% | Top 59% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 year CD | $1,000 | 2.77% | −2.24% | Top 63% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.15% APY (16 months). The standard rate for a similar term is 2.65% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $150 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are First National Bank of Hutchinson's best CD rates by term?
First National Bank of Hutchinson's best rate is 4.15% APY on 16 months, verified October 22, 2026.
- 3 mo1.51%
- 6 mo1.76%
- 7 mo3.80%
- 10 mo3.85%
- 12 mo2.65%
- 13 mo4.00%
- 16 mo4.15%
- 24 mo2.77%
- 36 mo2.77%
- 48 mo2.77%
- 60 mo2.77%
How much interest could a First National Bank of Hutchinson CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$557.52 interest · $10,557.52 at maturity on $10,000.00.
4.15% APY · 16 months · 16 month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $18.721.51% APY · 3 month CD · Standard | $37.441.51% APY · 3 month CD · Standard | $93.591.51% APY · 3 month CD · Standard | $187.181.51% APY · 3 month CD · Standard |
| 6 months | $43.931.76% APY · 6 month CD · Standard | $87.861.76% APY · 6 month CD · Standard | $219.641.76% APY · 6 month CD · Standard | $439.291.76% APY · 6 month CD · Standard |
| 7 months | $110.013.80% APY · 7 month Add-On CD · Promotional | $220.033.80% APY · 7 month Add-On CD · Promotional | $550.073.80% APY · 7 month Add-On CD · Promotional | $1,100.153.80% APY · 7 month Add-On CD · Promotional |
| 10 months | $159.823.85% APY · Perks+ 10 month Add-On CD · Relationship | $319.643.85% APY · Perks+ 10 month Add-On CD · Relationship | $799.103.85% APY · Perks+ 10 month Add-On CD · Relationship | $1,598.213.85% APY · Perks+ 10 month Add-On CD · Relationship |
| 12 months | $132.502.65% APY · 1 year CD · Standard | $265.002.65% APY · 1 year CD · Standard | $662.502.65% APY · 1 year CD · Standard | $1,325.002.65% APY · 1 year CD · Standard |
| 13 months | $216.794.00% APY · 13 month CD · Promotional | $433.584.00% APY · 13 month CD · Promotional | $1,083.954.00% APY · 13 month CD · Promotional | $2,167.904.00% APY · 13 month CD · Promotional |
| 16 months | $278.764.15% APY · 16 month CD · Promotional | $557.524.15% APY · 16 month CD · Promotional | $1,393.794.15% APY · 16 month CD · Promotional | $2,787.594.15% APY · 16 month CD · Promotional |
| 24 months | $280.842.77% APY · 2 year CD · Standard | $561.672.77% APY · 2 year CD · Standard | $1,404.182.77% APY · 2 year CD · Standard | $2,808.362.77% APY · 2 year CD · Standard |
| 36 months | $427.122.77% APY · 3 year CD · Standard | $854.232.77% APY · 3 year CD · Standard | $2,135.582.77% APY · 3 year CD · Standard | $4,271.162.77% APY · 3 year CD · Standard |
| 48 months | $577.452.77% APY · 4 year CD · Standard | $1,154.892.77% APY · 4 year CD · Standard | $2,887.232.77% APY · 4 year CD · Standard | $5,774.472.77% APY · 4 year CD · Standard |
| 60 months | $731.942.77% APY · 5 year CD · Standard | $1,463.882.77% APY · 5 year CD · Standard | $3,659.712.77% APY · 5 year CD · Standard | $7,319.422.77% APY · 5 year CD · Standard |
How First National Bank of Hutchinson compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 487-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 12 tracked institutions with fresh 487-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First National Bank of Hutchinson (this institution)16 month CD · Promotional | 16 months | $1,000 | Branches in KS | 4.15% | October 22, 2026 |
| Synchrony BankCD · Standard | 16 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Summit Credit Union (highest tracked APY for this term)Certificate - Special · Promotional | 16 months | $5,000 | Membership required · branches in WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 16 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.67% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First National Bank of Hutchinson on October 22, 2026.
About First National Bank of Hutchinson
- Legal name
- The First National Bank of Hutchinson
- Regulator ID
- FDIC 4697
- Headquarters
- Hutchinson, KS
- Available in
- KS
- Total assets
- $1.2 billion
- Also known as
- Website
- www.fnbhutch.bank
Source: rates read from https://www.fnbhutch.bank/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at First National Bank of Hutchinson?
Among the rates we track, 4.15% APY on a 16-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a First National Bank of Hutchinson CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does First National Bank of Hutchinson's best CD rate compare with Treasury yields?
4.15% APY is −0.52% versus the 16-month Treasury yield of 4.67% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First National Bank of Hutchinson CDs insured?
First National Bank of Hutchinson is an FDIC-insured bank (FDIC 4697). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First National Bank of Hutchinson's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First National Bank of Hutchinson's website and may change at any time. Confirm terms, minimums and eligibility with First National Bank of Hutchinson before opening an account. This page is not financial advice.