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CDs and IRAs

Certificates of Deposit (CDs)

If you don't need access to your savings right away, you can earn a higher return through our numerous certificates of deposit.*

  • A minimum of $500 opens an account.
  • Terms extend from as low as 28 days to as high as 5 years.**
  • Our competitive interest rates are based on current market conditions and are fixed for the term of your certificate.*
  • FDIC-insured.

View our current rates. (PDF)

*Interest rates are subject to change at the bank's discretion, and can be found on our website,

**Penalty for early withdrawal. Other restrictions may apply.

Individual Retirement Accounts (IRAs)

Our IRAs let you save for your retirement while reducing your tax liability. We have a wide variety of options, something to fit the needs of your age and lifestyle:

  • 1-, 2- and 3-year IRAs.
  • Traditional and Roth IRAs.
  • All IRAs are invested in CDs.
  • Competitive rates.
  • FDIC-insured.

Consult your tax adviser or your Central Bank of Kansas City representative for more details. Let us help you head into your retirement years with no financial worries.