Security Bank of Kansas City CD Rates — October 2026
As of October 22, 2026, Security Bank of Kansas City's highest tracked CD rate is 4.06% APY on a 13-month promotional CD ($25,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 3.60% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.60% on 18 months
Security Bank of Kansas City CD rates
Fixed-rate CDs from 90 days to 60 months with a $500 minimum, including 5- and 13-month specials with a $25,000 minimum. The variable-rate IRA CD is excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | Certificate of Deposit - Fixed Rate | $500 | 0.20% | −4.09% | Verified October 22, 2026 |
| 5 months | Certificate of Deposit - 5 Month Special Promotional | $25,000 | 3.80% | −0.59% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit - Fixed Rate | $500 | 3.03% | −1.37% | Top 62% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit - Fixed Rate | $500 | 3.03% | −1.54% | Top 68% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Certificate of Deposit - 13 Month Special Promotional | $25,000 | 4.06% | −0.54% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit - Fixed Rate | $500 | 3.60% | −1.12% | Top 47% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit - Fixed Rate | $500 | 3.60% | −1.27% | Top 42% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit - Fixed Rate | $500 | 3.03% | −1.92% | Top 55% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit - Fixed Rate | $500 | 3.03% | −1.95% | Top 51% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit - Fixed Rate | $500 | 3.03% | −1.98% | Top 54% 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 4.06% APY (13 months). The standard rate for a similar term is 3.03% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $103 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 Security Bank of Kansas City's best CD rates by term?
Security Bank of Kansas City's best rate is 4.06% APY on 13 months, verified October 22, 2026.
- 90 days0.20%
- 5 mo3.80%
- 6 mo3.03%
- 12 mo3.03%
- 13 mo4.06%
- 18 mo3.60%
- 24 mo3.60%
- 36 mo3.03%
- 48 mo3.03%
- 60 mo3.03%
How much interest could a Security Bank of Kansas City 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.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 90 days | $2.460.20% APY · Certificate of Deposit - Fixed Rate · Standard | $4.930.20% APY · Certificate of Deposit - Fixed Rate · Standard | $12.320.20% APY · Certificate of Deposit - Fixed Rate · Standard | $24.640.20% APY · Certificate of Deposit - Fixed Rate · Standard |
| 5 months | Not estimated | Not estimated | $391.323.80% APY · Certificate of Deposit - 5 Month Special · Promotional | $782.633.80% APY · Certificate of Deposit - 5 Month Special · Promotional |
| 6 months | $75.393.03% APY · Certificate of Deposit - Fixed Rate · Standard | $150.783.03% APY · Certificate of Deposit - Fixed Rate · Standard | $376.963.03% APY · Certificate of Deposit - Fixed Rate · Standard | $753.923.03% APY · Certificate of Deposit - Fixed Rate · Standard |
| 12 months | $151.503.03% APY · Certificate of Deposit - Fixed Rate · Standard | $303.003.03% APY · Certificate of Deposit - Fixed Rate · Standard | $757.503.03% APY · Certificate of Deposit - Fixed Rate · Standard | $1,515.003.03% APY · Certificate of Deposit - Fixed Rate · Standard |
| 13 months | Not estimated | Not estimated | $1,100.244.06% APY · Certificate of Deposit - 13 Month Special · Promotional | $2,200.474.06% APY · Certificate of Deposit - 13 Month Special · Promotional |
| 18 months | $272.673.60% APY · Certificate of Deposit - Fixed Rate · Standard | $545.343.60% APY · Certificate of Deposit - Fixed Rate · Standard | $1,363.363.60% APY · Certificate of Deposit - Fixed Rate · Standard | $2,726.713.60% APY · Certificate of Deposit - Fixed Rate · Standard |
| 24 months | $366.483.60% APY · Certificate of Deposit - Fixed Rate · Standard | $732.963.60% APY · Certificate of Deposit - Fixed Rate · Standard | $1,832.403.60% APY · Certificate of Deposit - Fixed Rate · Standard | $3,664.803.60% APY · Certificate of Deposit - Fixed Rate · Standard |
| 36 months | $468.413.03% APY · Certificate of Deposit - Fixed Rate · Standard | $936.823.03% APY · Certificate of Deposit - Fixed Rate · Standard | $2,342.053.03% APY · Certificate of Deposit - Fixed Rate · Standard | $4,684.103.03% APY · Certificate of Deposit - Fixed Rate · Standard |
| 48 months | $634.103.03% APY · Certificate of Deposit - Fixed Rate · Standard | $1,268.213.03% APY · Certificate of Deposit - Fixed Rate · Standard | $3,170.523.03% APY · Certificate of Deposit - Fixed Rate · Standard | $6,341.033.03% APY · Certificate of Deposit - Fixed Rate · Standard |
| 60 months | $804.823.03% APY · Certificate of Deposit - Fixed Rate · Standard | $1,609.633.03% APY · Certificate of Deposit - Fixed Rate · Standard | $4,024.083.03% APY · Certificate of Deposit - Fixed Rate · Standard | $8,048.173.03% APY · Certificate of Deposit - Fixed Rate · Standard |
How Security Bank of Kansas City compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 41 of 95 tracked institutions with fresh 395-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 |
|---|---|---|---|---|---|
| Security Bank of Kansas City (this institution)Certificate of Deposit - 13 Month Special · Promotional | 13 months | $25,000 | Branches in KS, MO | 4.06% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Associated Bank13 month CD special · Promotional | 13 months | $5,000 | Branches in IA, IL, MN, MO, NE, WI | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Security Bank of Kansas City on October 22, 2026.
About Security Bank of Kansas City
- Legal name
- Security Bank of Kansas City
- Regulator ID
- FDIC 4705
- Headquarters
- Kansas City, KS
- Available in
- KS, MO
- Total assets
- $3.9 billion
- Also known as
- Website
- www.securitybankkc.com
Source: rates read from https://www.securitybankkc.com/personal/cds-and-iras. See the page text we read.
Frequently asked questions
What is the highest CD rate at Security Bank of Kansas City?
Among the rates we track, 4.06% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Security Bank of Kansas City CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $25,000.
How does Security Bank of Kansas City's best CD rate compare with Treasury yields?
4.06% APY is −0.54% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.06% a good CD rate?
It is 2.3 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 Security Bank of Kansas City CDs insured?
Security Bank of Kansas City is an FDIC-insured bank (FDIC 4705). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Security Bank of Kansas City's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Security Bank of Kansas City's website and may change at any time. Confirm terms, minimums and eligibility with Security Bank of Kansas City before opening an account. This page is not financial advice.