You can lock in higher yielding returns with a certificate of deposit. We offer flexible terms. You may select any term between 3 months and 60 months and only $500 is needed to open an account. Penalties apply for early withdrawal.

 $500 Minimum$25,000 Minimum
TermInterest RateAnnual Percentage Yield (APY)Interest RateAnnual Percentage Yield (APY)
3- 5 Months0.15%0.15%0.20%0.20%
6-11 Months0.40%0.41%0.45%0.46%
12-17 Months0.40%0.41%0.50%0.51%
15-Month CD Special--1.25%1.26%
18-23 Months0.60%0.61%0.70%0.71%
24-29 Months0.60%0.61%0.75%0.76%
30-35 Months0.70%0.71%0.80%0.81%
36-47 Months0.80%0.81%1.00%1.01%
48-59 Months0.90%0.91%1.10%1.11%
60 Months1.00%1.01%1.20%1.21%
Interest rates and annual percentage yields quoted above are as of November 28, 2022, and are subject to change without notice. Please call Clay County Savings Bank's rate line, (816) 407-4099, for current interest rates on deposits.

Annual Percentage Yield (APY) based on a factor of 365 days/360 days and assumes interest remains on deposit through the entire term. Withdrawal of interest will reduce earnings. Substantial penalty for early withdrawal.