Person reviewing their retirement investments.

CDs & IRAs

Certificates of Deposit and Individual Retirement Accounts

Help secure your financial future with a Certificate of Deposit (CD), including Individual Retirement Account (IRA) options. Whether you're looking for short-term savings or long-term retirement planning, our competitive rates and the safety of FDIC Insurance1 make our CDs an ideal choice. Discover the benefits of stability and growth – a smart and reliable way to make your money work for you.

We offer a variety of terms ranging from 90 days to 5 years. See below for rates and terms, or visit our Deposit Rates page.
We offer fixed-rate terms ranging from 90 days to 5 years. Choose a term, or multiple terms to keep growing your savings.
 
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
$500.00 Minimum to Open (unless otherwise noted)
Term Interest Rate APY2 & 3
90 Day 0.20% 0.20%
5 Month Special
($25,000.00 Minimum to Open)
 4.25% 4.32%
6 Month 3.00% 3.03%
9 Month Special
($25,000.00 Minimum to Open)
 4.00% 4.06%
12 Month 3.25% 3.29%
18 Month 3.50% 3.55%
24 Month 3.50% 3.55%
36 Month 3.50% 3.55%
48 Month 1.25% 1.26%
60 Month 1.25% 1.26%

 

Start saving for retirement now. An IRA is a tax-advantaged retirement savings account. We offer both Roth and Traditional IRAs with CD terms ranging from 12 months to 5 years. We even offer an 18-month variable rate IRA CD that allows you to make your eligible contributions anytime during the length of the term and you only need $100 to open.

IRA Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
$500.00 Minimum to Open
Term Interest Rate APY2 & 3
12 Month 3.25% 3.29%
18 Month 3.50% 3.55%
24 Month 3.50% 
 3.55%
36 Month 3.50% 3.55%
48 Month 1.25% 1.26%
60 Month 1.25% 1.26%

IRA Certificates of Deposit - Variable Rate / Interest Compounded and Credited Quarterly
$100.00 Minimum to Open
Term Interest Rate APY2, 3 & 4
18 Month 3.50% 3.55%
Whether you are just getting started or need to rollover an existing retirement account call us at (913) 281-3165 or visit any of our Banking Centers to learn more.

1 FDIC Insurance limit is $250,000 per depositor, per insured bank, per ownership category.
2 APY - Annual Percentage Yield assumes principal and interest remain on deposit for at least one year. Withdrawals and fees will reduce earnings.
3 An early withdrawal penalty may be assessed.
4 Rate(s) are variable and may change after account opening.

Rates as advertised are accurate as of 3/26/2025 and subject to change without notice.

Security Bank of Kansas City does not offer tax or legal advice. For specific tax information and IRA eligibility requirements visit irs.gov or consult your tax advisor.