First National Bank of Kansas CD Early Withdrawal Penalty

First National Bank of Kansas
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

What the published disclosure says

Certificates of Deposit

First National Bank of Kansas lists a penalty of three months of interest for its 91-day, 182-day, and 12-month CDs; six months for its 18-month CD; and 12 months for its 30-, 48-, and 60-month CDs. Automatically renewed CDs have a 10-calendar-day grace period. The page otherwise says withdrawals are not allowed before maturity.

Limits to check in your own agreement

The schedule is tied to the specific listed terms, not every term between them. A disclosed penalty does not itself guarantee that an early withdrawal will be approved. Do not assign an unlisted term a fee or infer calculation conventions absent from the account agreement.

TFS assisted source review: Aug 31, 2026 · Last source check: Oct 5, 2026 · Read the official source ↗

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified First National Bank of Kansas terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.