National Bank of Kansas City has one of the best certificate of deposit (CD) rates for three year terms. A CD with a term of 36 to 47 months has an annual percentage yield (APY) of 2.45%. Other CD rates, which are effective as of Jan. 29, include:
- 0.5% APY for 3 to 5 months
- 0.75% APY for 6 to 11 months
- 1.5% APY for 12 to 23 months
- 1.85% APY for 24 to 35 months
- 3.03% APY for 48 to 59 months
- 3.22% APY for 60 months
You can open a CD online. A switch kit can also be downloaded from the bank’s website that allows you to fax the application for a CD. The bank also offers CDs for IRAs. To open a business account, call or visit a bank branch. Other qualifications to get the best CD rates offered at National Bank of Kansas City include:
- $5,000 minimum opening deposit for a personal or business CD
- $4,000 minimum opening deposit for an IRA CD
- Minimum daily balance of $1
- Penalty for early withdrawal
- CD rates are subject to change at any time
If you’re holding out for the best CD rates going forward, sign up for the bank’s rate watcher service. The bank notifies you when CD rates reach your desired level.
National Bank of Kansas City is based in Overland Park, KS and has been in business since 1999.

