# Security Bank of Kansas City CD rates

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.

Canonical page: https://apyledger.com/cd-rates/security-bank-of-kansas-city
Institution: Security Bank of Kansas City (FDIC 4705)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:46.000Z (October 22, 2026)
Official source: https://www.securitybankkc.com/personal/cds-and-iras
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit - Fixed Rate | standard | 90 days | $500 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - 5 Month Special | promotional | 5 months | $25,000 | 3.80% | Not ZIP-priced | −0.59% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 6 months | $500 | 3.03% | Not ZIP-priced | −1.37% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 12 months | $500 | 3.03% | Not ZIP-priced | −1.54% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - 13 Month Special | promotional | 13 months | $25,000 | 4.06% | Not ZIP-priced | −0.54% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 18 months | $500 | 3.60% | Not ZIP-priced | −1.12% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 24 months | $500 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 36 months | $500 | 3.03% | Not ZIP-priced | −1.92% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 48 months | $500 | 3.03% | Not ZIP-priced | −1.95% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |
| Certificate of Deposit - Fixed Rate | standard | 60 months | $500 | 3.03% | Not ZIP-priced | −1.98% | 2026-10-23T03:02:46.000Z | [Snapshot 933](https://apyledger.com/snapshots/933) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.