InTrust Bank’s Certificate of Deposit (CD) rates play a pivotal role in the financial landscape as they significantly impact both the institution and its customers. The importance lies in the fact that CD rates serve as a key component in attracting and retaining depositors, influencing the bank’s overall funding costs.

Les uncovered the details below;

InTrust Bank CD Rates Offers

Most Prevalent CD offers are;

12-Month CD Term

  • Duration: 12 months.
  • Minimum Deposit: $500.
  • APY: 4.80%


  • This CD offers a relatively short-term commitment, making it suitable for individuals seeking a quick turnaround on their investment.

Pros & Cons

High Short-Term YieldLimited Investment Duration
Low Minimum DepositLower Interest Rates Than Longer Terms
Quick Liquidity After 12 MonthsPenalty for Early Withdrawal

18-23 Months CD Term

  • Duration: 18-23 months.
  • Minimum Deposit: $500.
  • APY: 4.25%


  • The interest rates offer stability over a slightly longer period compared to the 12-month term.

Pros & Cons

Moderate-Term GrowthLonger Lock-In Period
Competitive Interest RatesLower Liquidity Than 12-Month Term
Flexibility in DurationPotential Rate Changes in 18-23 Months

36-47 Months CD Term

  • Duration: 36-47 months.
  • Minimum Deposit: $500.
  • APY: 3.75%


  • While sacrificing some liquidity, investors are rewarded with slightly higher interest rates compared to shorter-term CDs.

Pros & Cons

Sustained Long-Term GrowthExtended Lock-In Period
Higher Interest RatesReduced Liquidity Compared to Short Terms

60-Month CD Term

  • Duration: 60 months.
  • Minimum Deposit: $500.
  • APY: 3.50%


  • Investors should be aware of the longer lock-in period, as early withdrawals may result in penalties. This term is best suited for those comfortable with a more extended commitment.

Pros & Cons

Extended Growth PotentialLong Lock-In Period
Higher Interest RatesLimited Liquidity for 5 Years
Stable Returns Over TimePotential for Rate Changes in 60 Months

Are InTrust Bank CD Rates Competitive?

InTrust Bank demonstrates a competitive edge in the realm of Certificate of Deposit (CD) rates, offering attractive options across various terms. The 12-month CD term stands out with a notably high-interest rate of 4.80%, providing a compelling option for investors seeking short-term gains. Moreover, the bank maintains competitiveness with its 18-23 months, 36-47 months, and 60-month CD terms, each offering interest rates between 3.50% and 4.25%.

The flexibility in terms of deposit amounts, with a reasonable minimum of $500, ensures accessibility for a broad range of investors. InTrust Bank’s commitment to providing competitive rates on CDs positions it favorably in the market, attracting both short-term and long-term investors with the promise of favorable returns.

How do InTrust Bank CD Rates Compare?

When comparing InTrust Bank’s CD rates across various terms, it becomes evident that the institution offers a balanced spectrum catering to diverse investor preferences.

The 12-month term shines with its high interest rates, making it an appealing choice for those prioritizing short-term liquidity and growth.

The 18-23 months, 36-47 months, and 60-month terms provide investors with options for medium to long-term commitments, each with competitive interest rates that align with industry standards. While the longer-term CDs may come with the trade-off of reduced liquidity and extended lock-in periods, the stable and predictable interest rates offered by InTrust Bank contribute to the overall attractiveness of these investment products.

Overview InTrust Bank 

InTrust Bank enjoys helping in our communities in Kansas and Oklahoma. Among our partners for community development is the United Way. In 2018 alone, InTrust Bank helped the United Way raise more than $340,000 to go toward helping people and families in our community navigate tough times.

InTrust also helps sponsor and run the United Way of the Plains Read to Succeed program. This volunteer service aims to improve reading abilities among 3rd graders. Volunteers commit to becoming a reading coach who reads and listens to students read. These students learn an average of an extra 1.5 words per week.

We also pay our employees to volunteer work hours for programs like the United Way and other local organizations that help people in need.

One of the most important parts of our entire business is educating people about finances. We hope to help our customers learn about how our products fit their lives now and in the future. 

We offer personal bankers as well as many products and services from checking and savings to retirement and wealth management accounts. Small businesses love our flexible bankers and programs that help them get cash or loans when needed. These small businesses are the backbone of our loyal economy with the same goal as ours – to better our community and the people within it. We take our role in community development seriously and are committed to serving people with financing and education.


InTrust Bank only requires you to become a member of our bank and open a checking or savings account to be eligible to open a certificate of deposit. A checking or savings account is needed to transfer your earnings into an account besides your CD.

Locations InTrust Bank 

InTrust Bank offers about 40 branches between Kansas and Oklahoma with many drive-thru ATMs located between the two states.

Frequently Asked Questions

Are there penalties for early withdrawal from InTrust Bank CDs?

Yes, there may be penalties for withdrawing funds from a CD before the maturity date. The penalty amount is often a percentage of the interest earned or a specified number of months’ interest.

Can I use my CD as collateral for a loan?

Generally, CDs can be used as collateral for loans. Contact the bank to inquire about their specific policies.

Can I add more money to my CD after it has been opened?

In general, CDs do not allow additional deposits after the account is opened. However, you can open a new CD account.

Are InTrust Bank CDs FDIC insured?

Yes, InTrust Bank CDs are FDIC-insured up to the maximum allowed by law, providing a level of security for deposited funds.

Is the interest earned on CDs taxable?

Yes, the interest earned on CDs is generally subject to income tax. Consult with a tax professional for personalized advice.