Best 3 Year CD Rates in Overland Park, Kansas, Kansas

You are viewing rates from banks across Overland Park

Below are three-year CD Rates from banks in Overland Park, Kansas. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

Overland Park, KS - December 22, 2024

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
First Bank	4.32%	$500	-	Learn More Add Review
KS StateBank	3.80%	$500	-	Learn More
Rate History: 4.87% → 4.42% → 4.06% → 4.00% → 3.80%
HonestReview \| Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More Reviews (3)
Security Bank of Kansas City	3.80%	$500	-	Learn More
Rate History: 2.02% → 4.06% → 3.80%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
Emprise Bank	3.75%	$1,000	-	Learn More Add Review
First Federal Bank of Kansas City	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.02% → 3.50%
Capitol Federal Savings Bank	3.25%	$1,000	-	Learn More
Rate History: 3.50% → 4.25% → 3.50% → 3.25%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
RCB Bank	3.00%	$1,000	-	Learn More
Holly cannady \| Oct 13, 2020 Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More Reviews (1)
Intrust Bank, National Association	2.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.75% → 3.00% → 2.50%
Argentine Federal Savings	2.38%	$1,000	-	Learn More Add Review
Rate History: 1.46% → 2.48% → 2.38%
Centera Bank	2.31% 2.26%	$100,000 $500	-	Learn More Add Review
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
Rate History: 2.22% → 2.27%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
BOKF, National Association	1.55%	$100,000	-	Learn More
Rate History: 2.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
The Bendena State Bank	1.46%	$10,000	-	Learn More Add Review
New Century Bank	1.41%	$10,000	-	Learn More Add Review
ESB Financial	1.41%	$10,000	-	Learn More Add Review
The State Bank of Bern	1.40%	$10,000	-	Learn More Add Review
The Baldwin State Bank	1.37%	$10,000	-	Learn More Add Review
Swedish-American State Bank	1.36%	$10,000	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.10% → 1.35% → 4.00% → 1.35%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
NINNESCAH VALLEY BANK	1.35%	$100,000	-	Learn More Add Review
The Lyon County State Bank	1.31%	$500	-	Learn More Add Review
The Security State Bank	1.30%	$10,000	-	Learn More Add Review
Citizens Bank	1.26%	$500	-	Learn More Add Review
Farmers and Merchants Bank	1.26%	$500	-	Learn More Add Review
Farmers Bank & Trust	1.25%	$100,000	-	Learn More Add Review
NINNESCAH VALLEY BANK	1.25%	$10,000	-	Learn More Add Review
The First State Bank of Healy	1.25%	$100,000	-	Learn More Add Review
Flint Hills Bank	1.25%	$100,000	-	Learn More Add Review
Mid-America Bank	1.25%	$10,000	-	Learn More Add Review
Fidelity Bank, National Association	1.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 1.25%
Patriots Bank	1.21%	$500	-	Learn More Add Review
Heritage Bank	1.21%	$10,000	-	Learn More Add Review
The Stock Exchange Bank, Caldwell, Kansas	1.21%	$10,000	-	Learn More Add Review
Impact Bank	1.20%	$10,000	-	Learn More Add Review
The Farmers State Bank of Bucklin, Kansas	1.20%	$10,000	-	Learn More Add Review
Kaw Valley State Bank	1.20%	$10,000	-	Learn More Add Review
Union State Bank	1.20%	$10,000	-	Learn More Add Review
ESB Financial	1.16%	$10,000	-	Learn More Add Review
Great American Bank	1.15%	$1,000	-	Learn More Add Review
Farmers Bank & Trust	1.15%	$10,000	-	Learn More Add Review
The Farmers State Bank of Westmoreland	1.15%	$10,000	-	Learn More Add Review
Mutual Savings Association	1.15%	$10,000	-	Learn More Add Review
The First State Bank of Healy	1.15%	$10,000	-	Learn More Add Review
Ford County State Bank	1.15%	$10,000	-	Learn More Add Review
Flint Hills Bank	1.15%	$10,000	-	Learn More Add Review
Marquette Farmers State Bank of Marquette	1.15%	$10,000	-	Learn More Add Review
Southwest National Bank	1.15%	$10,000	-	Learn More Add Review
The Lyndon State Bank	1.12%	$10,000	-	Learn More Add Review
Garden Plain State Bank	1.12%	$10,000	-	Learn More Add Review
The Kansas State Bank Overbrook Kansas	1.11%	$10,000	-	Learn More Add Review
Kaw Valley Bank	1.11%	$100,000	-	Learn More Add Review
Bank 7	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Astra Bank	1.10%	$500	-	Learn More Add Review
Chisholm Trail State Bank	1.10%	$1,000	-	Learn More Add Review
Farmers State Bank	1.10%	$10,000	-	Learn More Add Review
The Farmers State Bank	1.10%	$500	-	Learn More Add Review
Exchange Bank	1.10%	$10,000	-	Learn More Add Review
The Halstead Bank	1.10%	$10,000	-	Learn More Add Review
Legacy Bank	1.10%	$10,000	-	Learn More Add Review
Home Bank and Trust Company	1.10%	$10,000	-	Learn More Add Review
Citizens Federal Savings Bank	1.05%	$10,000	-	Learn More Add Review
Country Club Bank	1.05%	$50,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
The Walton State Bank	1.05%	$10,000	-	Learn More
Wrayfab-1 \| Nov 20, 2021 Excellent The way banking should be. Read More Reviews (1)
Bank of Greeley	1.05%	$3,000	-	Learn More Add Review
The First National Bank of Sedan	1.05%	$10,000	-	Learn More Add Review
The Howard State Bank, Howard, Kansas	1.05%	$10,000	-	Learn More Add Review
First Commerce Bank	1.01%	$10,000	-	Learn More Add Review
The Fowler State Bank	1.01%	$100,000	-	Learn More Add Review
Carson Bank	1.00%	$500	-	Learn More Add Review
Southwind Bank	1.00%	$500	-	Learn More Add Review
The State Exchange Bank	1.00%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	1.00%	$10,000	-	Learn More Add Review
The Denison State Bank	1.00%	$10,000	-	Learn More Add Review
Country Club Bank	1.00%	$10,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
First FarmBank	1.00%	$10,000	-	Learn More Add Review
Alliance Bank	1.00%	$10,000	-	Learn More Add Review
The Citizens State Bank	1.00%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of Mound City, Kansas	1.00%	$1,000	-	Learn More Add Review
Bank of Commerce and Trust Company	1.00%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.95%	$500	-	Learn More Add Review
Elk State Bank	0.95%	$100,000	-	Learn More Add Review
Community National Bank	0.95%	$100,000	-	Learn More Add Review
The Citizens National Bank	0.95%	$10,000	-	Learn More Add Review
The First National Bank in Cimarron	0.95%	$100,000	-	Learn More Add Review
The Bank of Protection	0.95%	$10,000	-	Learn More
local man \| Aug 3, 2023 They don’t give out loans and They don’t understand customer needs. Read More Reviews (1)
The Citizens State Bank	0.95%	$1,000	-	Learn More Add Review
BancCentral, National Association	0.95%	$100,000	-	Learn More Add Review
Andover State Bank	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Spearville	0.91%	$100,000	-	Learn More Add Review
SJN Bank of Kansas	0.90%	$50	-	Learn More Add Review
Lyons Federal Bank	0.90%	$100,000	-	Learn More Add Review
State Bank of Downs	0.90%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.90%	$50,000	-	Learn More Add Review
The Farmers State Bank	0.90%	$10,000	-	Learn More Add Review
The Community Bank	0.90%	$100,000	-	Learn More Add Review
Farmers and Drovers Bank	0.90%	$10,000	-	Learn More Add Review
Kaw Valley Bank	0.90%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
Bank of Hays	0.85%	$1,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Lyons Federal Bank	0.85%	$10,000	-	Learn More Add Review
Farmers National Bank	0.85%	$10,000	-	Learn More Add Review
First National Bank and Trust	0.85%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.85%	$1,000	-	Learn More Add Review
Johnson State Bank	0.85%	$100,000	-	Learn More Add Review
Farmers Bank & Trust	0.85%	$10,000	-	Learn More Add Review
Peoples Bank	0.85%	$10,000	-	Learn More Add Review
Prairie Bank of Kansas	0.85%	$10,000	-	Learn More Add Review
Peoples Bank and Trust Company	0.85%	$10,000	-	Learn More Add Review
Prescott State Bank	0.85%	$10,000	-	Learn More Add Review
Kanza Bank	0.85%	$10,000	-	Learn More Add Review
BancCentral, National Association	0.85%	$10,000	-	Learn More Add Review
Community Bank of Wichita, Inc.	0.85%	$10,000	-	Learn More Add Review
Community National Bank & Trust	0.85%	$1,000	-	Learn More Add Review
The Western State Bank	0.80%	$50,000	-	Learn More Add Review
Labette Bank	0.80%	$10,000	-	Learn More Add Review
SOLUTIONS NORTH BANK	0.80%	$1,000	-	Learn More Add Review
First Heritage Bank	0.80%	$100,000	-	Learn More Add Review
The Community Bank	0.80%	$10,000	-	Learn More Add Review
The First Security Bank	0.80%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust	0.80%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
The Bank of Tescott	0.76%	$10,000	-	Learn More Add Review
GNBank, National Association	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Spearville	0.75%	$1,000	-	Learn More Add Review
Security State Bank	0.75%	$1,000	-	Learn More Add Review
Citizens State Bank and Trust Co., Ellsworth, Kansas	0.75%	$500	-	Learn More Add Review
The City State Bank	0.75%	$10,000	-	Learn More Add Review
New Century Bank	0.75%	$10,000	-	Learn More Add Review
Elk State Bank	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank of Blue Mound	0.75%	$10,000	-	Learn More Add Review
The First National Bank in Cimarron	0.75%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.75%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
TriCentury Bank	0.75%	$10,000	-	Learn More
Jjjohnston7 \| Jun 25, 2021 TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More Reviews (2)
CrossFirst Bank	0.75%	$10,000	-	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
Farmers & Merchants Bank of Colby	0.70%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.70%	$10,000	-	Learn More Add Review
United Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Union State Bank	0.70%	$10,000	-	Learn More Add Review
First Heritage Bank	0.70%	$10,000	-	Learn More Add Review
First State Bank and Trust	0.70%	$10,000	-	Learn More Add Review
Johnson State Bank	0.70%	$10,000	-	Learn More Add Review
NBH Bank	0.70%	$10,000	-	Learn More Add Review
Goppert State Service Bank	0.70%	$10,000	-	Learn More Add Review
The State Bank of Spring Hill	0.70%	$10,000	-	Learn More Add Review
The Exchange State Bank of St. Paul, Kansas	0.70%	$10,000	-	Learn More Add Review
The Bennington State Bank	0.69%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.67%	$10,000	-	Learn More Add Review
Grant County Bank	0.66%	$100,000	-	Learn More Add Review
American Bank of Baxter Springs	0.65%	$1,000	-	Learn More Add Review
The Western State Bank	0.65%	$5,000	-	Learn More Add Review
The Wilson State Bank	0.65%	$1,000	-	Learn More Add Review
The Citizens National Bank	0.65%	$10,000	-	Learn More Add Review
FNB Washington	0.65%	$10,000	-	Learn More Add Review
The Plains State Bank	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Syracuse	0.65%	$10,000	-	Learn More Add Review
Enterprise Bank & Trust	0.65%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
Vintage Bank Kansas	0.65%	$100,000	-	Learn More Add Review
Bank of Commerce	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Hutchinson	0.63%	$5,000	-	Learn More Add Review
Grant County Bank	0.61%	$1	-	Learn More Add Review
The Riley State Bank of Riley, Kansas	0.60%	$500	-	Learn More Add Review
The Union State Bank of Everest	0.60%	$1,000	-	Learn More Add Review
The Kearny County Bank	0.60%	$50,000	-	Learn More Add Review
FNB Bank	0.60%	$100,000	-	Learn More Add Review
The Stockgrowers State Bank of Ashland, Kansas	0.60%	$10,000	-	Learn More Add Review
The Citizens National Bank	0.60%	$10,000	-	Learn More Add Review
Community National Bank	0.60%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.60%	$10,000	-	Learn More Add Review
Silver Lake Bank	0.60%	$10,000	-	Learn More Add Review
The City National Bank and Trust Company of Lawton, Oklahoma	0.60%	$10,000	-	Learn More Add Review
The Kansas State Bank	0.55%	$500	-	Learn More Add Review
First Bank Kansas	0.55%	$10,000	-	Learn More Add Review
Community Bank	0.55%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Louisburg	0.50%	$500	-	Learn More Add Review
Conway Bank	0.50%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.50%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Union State Bank	0.50%	$10,000	-	Learn More Add Review
The Kearny County Bank	0.50%	$10,000	-	Learn More Add Review
Great Southern Bank	0.50%	$250	-	Learn More Add Review
NBKC Bank	0.50%	$1	-	Learn More Add Review
Vintage Bank Kansas	0.50%	$10,000	-	Learn More Add Review
FirstOak Bank	0.50%	$10,000	-	Learn More Add Review
The Peoples State Bank	0.45%	$10,000	-	Learn More Add Review
BANKWEST OF KANSAS	0.45%	$0	-	Learn More Add Review
Landmark National Bank	0.45%	$10,000	-	Learn More Add Review
The Tampa State Bank	0.45%	$10,000	-	Learn More Add Review
Bank of Prairie Village	0.42%	$10,000	-	Learn More Add Review
Cornerstone Bank	0.41%	$10,000	-	Learn More Add Review
The First National Bank of Hope	0.40%	$100,000	-	Learn More Add Review
Bank of Labor	0.40%	$10,000	-	Learn More
ksucat \| Nov 9, 2018 The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More Reviews (1)
The Valley State Bank	0.40%	$10,000	-	Learn More Add Review
Peoples State Bank	0.37%	$10,000	-	Learn More
kccode1 \| Jun 9, 2019 They don't have this rate anymore. 5 year rate is only 3.11 Read More Reviews (2)
The First National Bank of Hope	0.35%	$10,000	-	Learn More Add Review
ANB Bank	0.35%	$10,000	-	Learn More Add Review
Fidelity State Bank and Trust Company	0.30%	$1,000	-	Learn More Add Review
Central National Bank	0.27%	$50,000	-	Learn More Add Review
Equity Bank	0.25%	$1,000	-	Learn More Add Review
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The Baxter State Bank	0.25%	$10,000	-	Learn More Add Review
Commerce Bank	0.20%	$10,000	-	Learn More Add Review
Central National Bank	0.17%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First National Bank of Omaha	0.10%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
FNB Bank	0.05%	$10,000	-	Learn More Add Review
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Overland Park, Kansas CD Rates – 3-Year

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2024

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