What are the current interest rates at CoreFirst Bank & Trust?

Current rates for CoreFirst Bank & Trust include: 12-Month CD: 0.15%, 18-Month CD: 0.15%, 24-Month CD: 0.15%, 36-Month CD: 0.25%, 48-Month CD: 0.50%, 60-Month CD: 0.60%, MMA: 3.82%

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CoreFirst Bank & Trust

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CoreFirst Bank & Trust Rates & Review October 2026

Q: How many branches does CoreFirst Bank & Trust operate?

CoreFirst Bank & Trust currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CoreFirst Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CoreFirst Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

CoreFirst Bank & Trust's top rates as of October 7, 2026 are 3.90% APY on its 17-Months 17-Month CD, 3.82% APY on money market accounts, and 4.44% APY on checking, according to rates verified by MonitorBankRates. Other CoreFirst Bank & Trust CD rates include 11-Months 11-Month CD at 3.75%, 8-Months 8-Month CD at 3.65%, and 6-Months 6-Month CD at 3.29%. MonitorBankRates evaluates the financial stability of CoreFirst Bank & Trust with a 4.1 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 2.49%. Rates last updated and verified on 10/07/2026.

CoreFirst Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CoreFirst Bank & Trust? Share your experience about CoreFirst Bank & Trust by leaving a review below, or read customer reviews before you decide to use CoreFirst Bank & Trust.

Overall Health & Safety Grade

B+

Good Health Score: 90/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

2.49%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

CoreFirst Bank & Trust

3035 Sw Topeka Blvd
Topeka, KS 66611

https://www.cbtks.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

CoreFirst Bank & Trust CD Rates

Product	Rate	APY	Term
17 month CD	3.83%	3.90%	17 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
11 month CD	3.68%	3.75%	11 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
8 month CD	3.59%	3.65%	8 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
6 month CD	3.25%	3.29%	6 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.29% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
30 month CD	3.11%	3.15%	30 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
3 month CD	0.70%	0.70%	3 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
60 month CD	0.60%	0.60%	60 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
48 month CD	0.50%	0.50%	48 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
36 month CD	0.25%	0.25%	36 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
32 month option CD	0.20%	0.20%	32 month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
12 month CD	0.15%	0.15%	12 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
18 month CD	0.15%	0.15%	18 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
24 month CD	0.15%	0.15%	24 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
9 month CD	0.10%	0.10%	9 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
1 month CD	0.05%	0.05%	1 month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
2 month CD	0.05%	0.05%	2 months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%

CoreFirst Bank & Trust Money Market Rates

Product	Rate	APY
Summit Money Market	-	3.82%
Min Balance $1,000,000 Details Balance: Paid on balances $1,000,000.00 to $2,999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	-	3.82%
Min Balance $3,000,000 Details Balance: Paid on balances $3,000,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	-	3.30%
Min Balance $250,000 Details Balance: Paid on balances of $250,000 to $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99. Annual Percentage Yield (APY) is valid as of 10/06/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov This link will trigger a popup message. to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Money Market Preferred Plus	-	2.53%
Min Balance $750,000 Details Balance: Paid on all balances over $750,000.00 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	2.25%	2.27%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99. Annual Percentage Yield (APY) is valid as of 10/06/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov This link will trigger a popup message. to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Money Market Preferred Plus	-	2.02%
Min Balance $250,000 Details Balance: Paid on all balances of $250,000 to $749,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Money Market Preferred Plus	-	1.00%
Min Balance $100,000 Details Balance: Paid on all balances of $100,000 to $249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99. Annual Percentage Yield (APY) is valid as of 10/06/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov This link will trigger a popup message. to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%
Summit Money Market	0.30%	0.30%
Min Balance $0 Details Balance: $0.00 - $24,999.99. Annual Percentage Yield (APY) is valid as of 10/06/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov This link will trigger a popup message. to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%

CoreFirst Bank & Trust Checking Rates

Product	Rate	APY	View More
Rewards Checking	-	4.44%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Learn More1; Open Online Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 4.44% APY · checked 8 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%

CoreFirst Bank & Trust Other Rates

Product	Rate	Points	APY/APR	Term	View More
Earn Interest	-	-	0.05%
Details All Balances Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 4.1 Star Rating B+ Health Grade ◈ Texas Ratio: 2.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CoreFirst Bank & Trust’s Texas Ratio fell from 14.24% in Q3 2023 to 2.49% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.5 to 4.1 and its Health Grade from D to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	2.49%	4.1	B+
March 31, 2026	$1.3B	2.58%	3.7	B
December 31, 2025	$1.3B	5.22%	3.8	B
September 30, 2025	$1.3B	3.32%	3.8	B
June 30, 2025	$1.2B	3.97%	3.4	B-
March 31, 2025	$1.2B	4.40%	3.4	B-
December 31, 2024	$1.2B	5.46%	3.1	C+
September 30, 2024	$1.3B	7.67%	3.7	B-
June 30, 2024	$1.2B	10.42%	3.2	C
March 31, 2024	$1.3B	15.62%	2.7	D
December 31, 2023	$1.3B	17.75%	2.6	D
September 30, 2023	$1.2B	14.24%	2.5	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CoreFirst Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CoreFirst Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CoreFirst Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CoreFirst Bank & Trust

Bank Holding Company COMMERCE B&T HOLDING EMPLOYEE STK OWNERSHIP PLAN

Address 3035 Sw Topeka Blvd, Topeka, KS 66611 · Shawnee

Website https://www.cbtks.com

FDIC Certificate # 18100

Established 19591130

FDIC Insurance Date 19591130

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 90/100

4.1

Excellent Out of 5.0 Stars

2.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5472%

Return on Equity (ROE) 26.4200%

Non-Performing Loans (NPL) 0.15%

Total Assets $1,255,376,000

Total Deposits $1,061,678,000

Equity Capital $76,746,000

Net Income $9,973,000

Headquarters Topeka

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About CoreFirst Bank & Trust

How many branches does CoreFirst Bank & Trust operate?

CoreFirst Bank & Trust currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CoreFirst Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CoreFirst Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does CoreFirst Bank & Trust offer online and mobile banking?

Most modern institutions like CoreFirst Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbtks.com.